Banking services to individuals and businesses provided electronically via an on-line communications network, namely, management of checking and savings accounts; electronic bill payment and cash management; check processing and verification; consumer and business lending, including automobile loan services, credit card services, and mortgage lending; electronic funds transfer services; verification of banking data and availability of funds to facilitate on-line payments by checks and electronic funds transfer; electronic mail account access; on-line reporting of financial information; insurance and annuities brokerage services; real estate investment services; refinancing of loans; retirement account services; providing information regarding life and casualty insurance, annuities, financial investments and individual insurance policies; and underwriting services in the fields of life, disability, health, property, automobile, liability and casualty insurance