Individual, commercial and small business banking, investment and financial services, namely, checking accounts, savings accounts, individual retirement accounts, issuing certificates of deposit, sweep accounts, providing secured and unsecured personal lines of credit, consumer loans, residential and commercial mortgage loans, home equity loans and lines of credit, credit and debit card services, providing commercial and small business loans including lines of credit, construction and land development loans, cash management services, financial clearing house services, namely, automated clearinghouse origination services, money wire transfer services, night depository services, distribution of annuities, bill payment services, trust services, namely, investment and trust company services, retirement planning and remote deposit capture services, and providing all of the foregoing services by traditional methods, by telephone, and by a global computer network, and safe deposit box rental