36 providing credit cards; online banking services accessible by means of downloadable mobile applications and web sites; banking services; checking account services; banking and related financial services, namely, checking, savings, money market, individual retirement, certificate of deposit account and automated teller machine services; savings account services; auto loan brokerage services; financial loan consultation; financing loans for automobiles, aircraft, boats, RVs, houses, education, and personal finances; providing student loans; providing temporary loans; providing personal loans and lines of credit; real estate lending services; mortgage banking; mortgage brokerage; mortgage lending; mortgage refinancing; home equity loans; providing home equity lines of credit (HELOC); on-line banking services featuring electronic remote check deposit services, online bill pay and mobile banking services; banking services provided by mobile telephone connections; credit and debit card services; issuing credit cards, debit cards, prepaid credit cards, and gift cards; credit card payment processing services; credit card transaction processing services; business banking services; financial services, namely, banking, maintaining depository accounts; lockbox services, namely, lockbox processing and electronic lockbox services that enable acceptance of online payments via web-based portal; on-line banking services featuring an online portal allowing customers to see checks that have been processed and selectively approve or reject the checks for payment; financial services, namely, providing controlled disbursement services featuring notification of account information to allow user to determine their cash position and make timely funding and investment decisions; financial services, namely, electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; financial services, namely, providing short term loans; financial services, namely, providing real estate loans for income producing property, residential development and construction, and owner operated property; financial services, namely, providing an on-line information center for small business to get advice on loans, business formation, business advice, and financial advice; providing working capital loans and lines of credit to businesses; real estate loan brokerage services; providing business loans and business lines of credit; providing small business administration (SBA) loans; payroll processing services; payroll tax debiting services; payroll card services, namely, providing a prepaid debit card to enable a user to access funds deposited into a card account by an employer or other benefits provider via direct deposit; equipment financing services; franchise financing services; investment banking services in the field of employee stock ownership plans (ESOP); providing employee stock ownership plan (ESOP) loans; bond financing services; leasing services, namely, providing non-tax-oriented leases, tax-oriented leases, operating leases, municipal leases; providing acquisition financing; international banking services, namely, foreign exchange services, foreign check processing, and documentary collection services; currency exchange services; check processing; export financing services; providing working capital financing to small businesses and small business owners; mobile payment processing services; providing financial risk management services for credit card transactions via a global computer network; financial services, namely, credit agencies featuring financial reporting services; providing electronic processing of electronic payments via a global computer network; automated accounts payable debiting services; processing the electronic payments by others of invoices through a credit card network; providing cash and other rebates for credit card use as part of a customer loyalty program; merchant services, namely, payment transaction processing services; credit card and debit card processing services; check processing services; online and telephone check processing services; investment banking services; individual retirement account (IRA) services; investment services for corporations, financial institutions, and municipalities; municipal debt management services; investment management; investment services; private banking services; financial advisory and consultancy services; financial information and advisory services; trust services, namely, investment and trust company services; investment brokerage; private equity fund investment services; bond trustee and paying agent services; escrow agent services; brokerage services for capital investments; brokerage services for stocks, bonds, mutual funds, exchange-traded funds, U.S. treasuries, brokered CDs, and unit investment trusts; annuities investment services; cash management accounts; margin accounts; brokerage services in the field of securities and commodities investing; providing brokerage and investment accounts, retirement and tax-deferred accounts, and education savings accounts; insurance services, namely, underwriting, issuing and administration of life insurance; insurance services, namely, underwriting multi-benefit insurance, long-term care insurance, disability insurance; credit risk management; financial risk management; investment consulting services; financial services, namely, wealth management services, financial administration of retirement plans