Financial services, namely, a full line of commercial, personal and municipal banking services; commercial, personal and municipal savings and checking account services; automated teller machine services; banking services, namely, direct deposit services; electronic funds transfer services; telephone banking services featuring funds transfer services, checking account stop-payment services, touch-tone balance report services, providing interest rate, tax, IRA, account balance, transaction history, and other banking and financial information, and other related banking services; online banking services featuring bill payment services, funds transfer services, online banking and loan application documents, customer account balances and transaction information, and other banking and financial information; commercial, consumer, personal, overdraft, and automobile lending services; mortgage banking, brokerage and lending services; home equity loan services; residential and commercial land and construction loans; small business loan financing services; business and personal installment loans; evaluation of the credit worthiness of companies and private individuals; cash management