36 Banking; financial management; financial services, namely, lending money and banking services in the nature of offering deposit services to consumer and commercial clients; investment banking services; mortgage banking services, namely, origination, acquisition, servicing, securitization and brokerage of residential mortgage lending; commercial lending; commercial real estate lending; construction commercial lending; on-line banking services; mobile banking services; treasury management services, namely, financial management; issuance of bank negotiable instruments in the nature of bank checks, credit cards, and debit cards; wire transfer services for domestic and international transfers, namely, money transfer; providing electronic payment processing and loan origination of ACH debit and credits; issuance of access devices, namely, issuance of stored value cards; issuance of financial and commercial letters of credit