Banking services; electronic banking services; Internet banking services; on-line banking services; telephone banking services; personal and consumer banking services; business and commercial banking services; retail banking services; ATM banking services; checking account services; savings account services; money market account services; health savings account services; banking services featuring the provision of regular and jumbo certificates of deposit; safe deposit box services; home mortgage lending and loan services; home equity loan services; home improvement loans; construction loans; offering and providing personal and consumer loans and lines of credit; business and commercial mortgage lending and loan services; offering and providing business and commercial lines of credit; term financing; individual retirement account services; employee retirement account services; financial services, namely, investment account services; personalized financial planning services; automated teller machine services; automated banking services; bill payment services; financial account analysis services; money wire transfer services, namely, electronic transfer of money; electronic funds transfer services; credit and debit card services; credit card services in the nature of business travel card services; issuing of cashiers checks; money order services, namely, offering money orders; international money wire transfer services, namely, electronic transfer of money internationally; issuing import, export and standby letters of credit; automated financial clearing house services; cash management services, namely, remote deposit capture services; business cash management services; payment processing services and solutions; merchant services, namely, electronic gift card and pre-paid card services; cash management services, namely, automatic sweep account services, deposit reporting services, financial account reconciliation services and zero balance account services; providing on-line banking services via a global computer or global communication network; providing on-line cash management services via a global computer or global communication network; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; providing information and advice regarding foreign currency and rates of exchange; providing, exchanging and handling foreign currency rates, foreign and international currency, foreign and international drafts and foreign checks; and providing financial information by electronic means