Bank services (including, without limiting the generality of the foregoing, cheque accounts, payments under authorities, bank cheques, direct entry remitting/drawing facilities, and encashment authorities), international banking services (including, without limiting the generality of the foregoing, provision of overseas exchange rates, issue of traveller's cheques, and foreign exchange sales/purchases), investment services (including, without limiting the generality of the foregoing, nominees services, interest bearing deposits, portfolio and asset management and investment advice), lending and financing services (including, without limiting the generality of the foregoing, personal loans, personal and business overdrafts and housing loans), bank credit card services (including, without limiting the generality of the foregoing, cash advances and credit purchasing), home Insurance, night safe, safe custody and safe deposit services, self-service terminal banking services, travel services