Financial services including banking services, including telephone banking services; payment services and fund transfer services; investment account information services; cash management account services; fixed income investment services; access to cash, and margin loans; providing access to portfolio management services and tools and/or account information; providing access by electronic communication networks to portfolio management services and tools and/or account information; securities brokerage account services including an interest bearing feature for cash between investments, access to cash, and margin loans; banking services; credit card and debit card services; check writing and bill payment services; variable annuity services; variable insurance investment services; including the provision of the foregoing services by on-line, telephone, wireless, network, broadcast or other electronic distribution and transmission means