Banking services, namely, checking account services, savings account services, certificate of deposit account services, on-line banking services, credit card authorization, issuance, transaction processing, and payment processing services, debit card authorization, issuance, transaction processing, and payment processing services, direct deposit services; Lending services, namely, providing and arranging commercial and consumer loans and lines of credit, including mortgage loans and lines of credit; Financial asset management; Investment advisory and consulting services; Real estate lending services; Underwriting services, namely, commercial real estate loan underwriting services; Electronic credit card transaction processing, electronic debit transaction processing; Merchant banking services; Merchant services, namely, payment transaction processing services.