Banking and financial services, namely, offering deposit accounts, including checking, savings, money market, certificates of deposit, individual retirement accounts, and foreign-currency denominated accounts, offering financial transaction and payment services, namely, electronic processing of electronic funds transfer, automated clearing house (ACH), credit card, debit card, electronic check and electronic payments, and domestic and foreign wires, providing commercial loans and lines of credit, providing online information in the field of financial planning and commercial lending services, facilitating and arranging for the financing of commercial loans, and offering for sale precious metals, including gold, silver, platinum, and palladium