51.   In some cases, Cunningham said, banks may offer them at deep discounts to induce greater use of electronic banking features.

52.   Indeed, for those who have already decided that they would be better off with cash, some banks are offering tempting deals.

53.   Investment banks are offering desks, computers and phones to clients and rivals whose offices have been destroyed.

54.   Investors are waiting for the bank to offer its new short-term notes, which were supposed to be available this week, traders said.

55.   It invented the long-term mortgage by insuring single-family loans when banks only offered short-term loans with high down payments.

56.   Its size allows the bank to offer multiple products and services, analyst Cheah said.

57.   Most banks offer elementary online services to their customers over the Internet or over their own computer networks, but they have yet to lure many customers.

58.   Nationally, industry representatives say most banks offer some form of basic account.

59.   Never before, he said, had the banks offered such generous terms on such a highly leveraged deal.

60.   Nine other banks had offered to manage the debt sale.