Banking services for consumers, namely, checking and savings account services, safe deposit box services, teller machine services, bill payment services, debit and credit card services, on-line banking services, electronic funds transfer, electronic processing and transmission of bill payment data, and credit and financial consultation; financial services, namely, brokerage of shares, stocks and other securities, investment by electronic means, issuing of traveler's checks and credit cards, financial trust operations, trust management accounts; insurance brokerage in the fields of home, accident, life and commercial lines; consumer and commercial lending services, namely, providing commercial and residential mortgages, loan refinancing, car loans, boat loans, student loans, temporary loans, home equity loans, letter of credit services; commercial banking services, namely, commercial checking accounts, credit card services, accounts payable, debiting, and processing and tracking services, wire transfer, cash disbursement, namely, cash management and electronic cash transactions, and direct deposit services, on-line business banking services, banking and financial planning consultation, and credit card transaction processing services