Arranging and conducting savings programs to bank customers to promote saving money and spending less money; financial services, namely, mortgage lending, commercial, retail and consumer loans, issuance of credit cards and debit cards; investment and fiduciary services, namely, financial trust administration, investment consultation, and stock brokerage services; insurance consultation and brokerage services; all of the foregoing excluding the application of risk quotient principles

'administr':41 'applic':59 'arrang':1 'bank':7 'brokerag':46,51 'card':30,33 'commerci':22 'conduct':3 'consult':43,49 'consum':25 'credit':29 'custom':8 'debit':32 'exclud':57 'fiduciari':36 'financi':17,39 'forego':56 'insur':48 'invest':34,42 'issuanc':27 'lend':21 'less':15 'loan':26 'money':12,16 'mortgag':20 'name':19,38 'principl':63 'program':5 'promot':10 'quotient':62 'retail':23 'risk':61 'save':4,11 'servic':18,37,47,52 'spend':14 'stock':45 'trust':40

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