banking and financial services, namely, providing certificates of deposit, individual retirement accounts, checking, savings and money market accounts, annuities, credit card and line of credit services; providing cash and other rewards from credit card and other purchases; mortgage banking; mortgage lending and home equity loans and loan financing; financial planning services; wire transfer of funds and automated clearinghouse transaction services; bill payment services; insurance underwriting and brokerage services in the field of credit, life, disability, credit involuntary unemployment and family leave, credit property, automobiles, homeowners, mortgage, life, health and medical, property, casualty, accident, personal liability, professional liability, commercial liability, marine, worker's compensation, business capitalization, railway, aviation, hull/cargo of ships, umbrella, surety, wedding, hobby, and pet; providing payments for accident-away-from-home expenses and for emergency room and ambulance expenses to promote home and automobile security and personal health and safety; reimbursement of insurance deductibles, towing, locksmith, road services and pharmacy expenses; consultation services for the financial industry respecting financing or selling accounts receivables and other asset-based financing; financial analyses, retirement plan consultation, and home equity credit loan services; commercial financing services, namely, real estate financing and leasing, business and capital equipment financing and accounts receivable and other business asset financing; providing automobile financing; and providing banking and financial information to consumers via a global computer network