21.   Company executives acknowledged the Web banking service had some early problems, but said they had instituted procedures intended to prohibit fraudulent practices.

22.   Consumer experts also are worried about higher fees for banking services.

23.   Contributors to growth include fees and banking services, he said.

24.   Crompton, who was in charge of investment banking services, will report to Peter Dey, president of Morgan Stanley Canada.

25.   Customers that use the PC banking service do have more accounts with the bank and they keep them open longer, he said.

26.   DeValerio said Needham has agreed to provide investment banking services to Centennial to get the stock relisted on a major stock exchange.

27.   Discount brokerage firms buy and sell securities for customers at lower rates because they offer no investment advice or investment banking services such as underwriting or advising in mergers.

28.   Federal law requires banks to provide credit to all communities, and banks have long sponsored programs to offer banking services in low-income neighborhoods.

29.   First Chicago has even taken the name First Direct, much to the chagrin of its namesake in Leeds, for a nationwide telephone banking service.

30.   FreeMark president Robert Young said that his company has a marketing deal with Citibank, which will provide FreeMark e-mail as part of its home banking service.