36 banking services, debit, credit and charge card services, retail banking services including accepting deposits, granting mortgage and other loans, travellers cheque services, foreign exchange services, safekeeping and safe deposit box services, telephone and home banking services, site drafts and money order services, saving bond services, telephone and mail transfers of money from bank accounts, personalized checking services, bill payment services, savings account services, term deposit and GIC services, retirement savings and income plans provided by a bank, bank provide insurance services