11.   Both companies provide Internet banking services to small banks.

12.   A key issue is whether retail banking services -- or indeed retailing in general -- will remain primarily domestic.

13.   By taking control, Nova Scotia can expand retail and commercial banking services by investing fresh capital, said Banco Quilmes officials.

14.   Citicorp said it will eliminate all fees for using its automated teller machines and other electronic banking services to encourage customers to use tellers less.

15.   Citibank has introduced a telephone with a computer screen and a smart card reader for identification in its home banking service.

16.   Citibank said it will offer customers in the New York metropolitan area a free link to its personal computer banking service through Prodigy Services Co.

17.   Chemical Trust Bank is a subsidiary of Chase Manhattan Corp. that offers trust banking services in Japan.

18.   Community groups, government representatives and banking officials are speaking on the effect a merger would have on jobs and banking services, especially in low income neighborhoods.

19.   Consumer groups have spoken out against the merger, saying its sheer size leaves Fleet with a virtual monopoly and the power to charge higher fees for banking services.

20.   Cost growth was moderate though Argentaria is revamping its banking group to offer customers access to all Argentaria banking services at any group bank.