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BANKING SERVICES, NAMELY CHECKING ACCOUNT SERVICES, OVERDRAFT CHECKING ACCOUNT SERVICES, ELECTRONIC BANKING SERVICES, ELECTRONIC BILL PAYMENT SERVICES AND ELECTRONIC TRANSFER OF FUNDS ON BEHALF OF OTHERS; INTERNET BANKING, TELEPHONE BANKING, ATM AND DEBIT CARD SERVICES, MONEY TRANSFERS IN THE NATURE OF WIRING OF FUNDS, MORTGAGE LENDING SERVICES, MORTGAGE BANKING SERVICES, SAVINGS ACCOUNT SERVICES, COMMERCIAL AND CONSUMER LENDING SERVICES, AND CREDIT CARD SERVICES