Banking services for consumers, namely, checking and savings account services, safe deposit box services, automated 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, issuing letters of credit; commercial banking services, namely, commercial checking accounts, credit card services, accounts payable debiting, money wire transfer; cash disbursement, namely, cash management and electronic cash transactions; electronic direct deposit of funds into customer bank accounts; on-line business banking services, banking and financial planning consultation, and credit card transaction processing services