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Banking services; business banking services; commercial banking services; private banking services; accepting insured deposits; commercial and personal checking and savings account services; business checking account services; money market deposit account services; financial services, namely, cash management services in the nature of automated sweep account services, and merchant credit card and debit card transaction processing; credit card and debit card services; credit and lending services, namely, providing personal, home equity, installment, student, and temporary loans and mortgages and issuing letters of credit; online banking services; and online bill payment services