61.   Morgan sells a variety of banking services to institutional investors, including stock, bond and foreign exchange trading as well as investment advice.

62.   New York-based Equitable underwrites life insurance and annuities and offers investment management and investment banking services to its customers around the world.

63.   Of course, those two banks, and many smaller ones, have begun to react to First Direct and are developing telephone banking services of their own.

64.   Northern Rock added it does not intend to offer a broad range of banking services but will concentrate on traditional building society activities -- taking deposits and offering mortgages.

65.   One big source of revenues are the monthly fees for a range of banking services, from telephone calls to use of automated tellers.

66.   Ostensibly, Wall Street firms strictly separate their research analysis from their stock and bond underwriting and investment banking services.

67.   Part of the review could include deployment of automated teller machines, supermarket branches and telephone banking services.

68.   Orlando, Florida-based Phoenix International provides financial services software used for banking services including customer management, loans and deposits.

69.   PNC Bank Corp., for example, won the contract to offer banking services to the members of the American Automobile Association.

70.   Prudential has applied for a license to take deposits which would allow it to offer mortgages and direct banking services by the end of this year.