91.   The bank now offers credit in foreign currencies, portfolio management and foreign trade services.

92.   The bank offers simple passbook savings and checking accounts.

93.   The bank offers some mergers and acquisition advice, loans and bond underwriting.

94.   The banks then will offer the bonds to the investing public.

95.   The bank also offers telephone and Internet banking systems that can perform every branch service except dispense cash.

96.   The bank does not offer an equivalent loan to undergraduates.

97.   The bank is offering several new loan plans to clients, which have increased loan activity and more than compensated for falling interest rates, the bank said.

98.   The bank will not offer checking accounts, which often are money losers.

99.   The chance, Daniel said, will better coordinate sales and allow the bank to offer derivatives and other risk management services to more clients.

100.   The bank also offers a variety of lending terms that compensate for the risk of small business ventures in poor neighborhoods by charging higher interest rates or fees.