BANKING AND FINANCIAL SERVICES, NAMELY, BUSINESS AND PERSONAL CHECKING AND SAVINGS ACCOUNTS, CERTIFICATES OF DEPOSIT, MONEY MARKET ACCOUNTS AND RETIREMENT ACCOUNTS; ON-LINE BANKING AND TELEPHONE BANKING SERVICES; PERSONAL LOAN FINANCING; CREDIT CARD SERVICES; RESIDENTIAL MORTGAGE LENDING; COMMERCIAL LENDING SERVICES; AND TRUST SERVICES, NAMELY, INVESTMENT AND TRUST COMPANY SERVICES