Individual banking is classified as being specific banking activities that serve individuals rather than businesses; these activities include:

1. Basic Services:

             a. Deposit Accounts.
                          1. Checking Account.
                          2. Saving Account.
                          3. Commodity Investment Account.
             b. Credit Cards.
                          1. Interest Credit Card.
                                       - Standard Credit Card.
                                       - Balance Transfer Credit Card.
                                       - Low interest Credit Card.
                          2. Secured Credit card.
                          3. Prepaid Credit Card.
                          4. Reward Credit Card.
                          5. Checking Account Debt Card.
             c. Financing:
                          1. Personal Loans.
                          2. Mortgage Loans.
                                       - Fixed Rate Mortgage.
                                       - Adjustable Rate Mortgage.
                                       - Two-Step Mortgages.(Premier Mortgage).
                          3. Automobile Loans.(Auto Financing).
                                       - Auto Equity Loans.
                                       - Auto Re-finance Loans.
                                       - Lease Buyout Loan.

2. Support Services:

             a. Safe Deposit Lockers.
             b. Traveller’s Checks.
             c. Wire Transfers.
             d. Cashier Checks.
             e. Electronic Bill Payments Services.
             f. Home Banking.
             g. Foreign Exchange Services.

3. Private Banking:

             a. Investment Advisory Services.
             b. Wealth Planning Solutions.