The group's principal activities are to provide broad range of consumer and commercial banking services. the group provides a full range of deposit services. checking account services include regular non-interest bearing checking accounts as well as interest bearing negotiable order of withdrawal accounts. savings and certificate of deposit accounts include accounts ranging from a daily maturity to longer term certificates as authorized by regulation. the lending services offers a full range of commercial, personal and mortgage loans. the group also offers credit cards (through correspondent banking services) including mastercard (tm) and visa (tm) along with a personal checking account related line of credit.