banking services, namely, business and consumer banking services, personal and business checking accounts, savings accounts, money market accounts, time deposits; automated teller machine, internet banking, check card and on-line transactions; retail and electronic banking and financial transaction services, namely, internet banking, telephone banking, ATM and debit card services, direct deposit and automated clearing house transactions, credit cards services, wiring of funds, electronic fund transfers; providing purchase and redemption of US savings bonds, issuing money orders, cashier's checks and traveler's checks, installment, commercial and real estate loans; mortgage loan services, namely, residential mortgage, home equity, personal and consumer loans; fiduciary escrow accounts; consumer financial services, namely, checking accounts, savings accounts, certificates of deposit, individual retirement accounts; qualified retirement plans; safety deposit box services; cash management services; public sector banking services for municipalities, counties, states, school systems, and other public institutions and political jurisdictions