The group's principal activity is to provide a wide range of commercial banking and personal banking services in the United States. The services include personal and commercial checking and savings accounts, money market accounts, certificates of deposit, individual retirement accounts and related business and individual banking services. The group lends commercial and various consumer loans to individuals including installment loans, mortgage loans, equity lines of credit and overdraft checking credit. The other services provided by the group are insurance products including annuities, life insurance, long-term care, disability insurance and medicare supplements and portfolio management services.