; or (B) any credit union that is eligible to make application to become an insured credit union under section 201 of the Federal Credit Union Act ( 12 U.S.C. 1781 ). (4) Deny The term deny means to deny or refuse to enter into or terminate an existing financial services relationship with a person. (5) Fair access to financial services The term fair access to financial services means persons engaged in activities lawful under Federal law are able to obtain financial services at banks without impediments caused by a prejudice against or dislike for a person or the business of the customer, products or services sold by the person, or favoritism for market alternatives to the business of the person. Refusing to provide or continue to provide financial services to a person because the person engaged in rude or harassing conduct toward an employee of a bank is not a violation of this section. (6) Financial service The term financial service means a financial product or service, including— (A) commercial and merchant banking; (B) lending; (C) financing; (D) leasing; (E) cash, asset and investment management and advisory services; (F) credit card services; (G) payment processing; (H) security and foreign exchange trading and brokerage services; and (I) insurance products. (7) Member bank The term member bank has the meaning given the term in the third undesignated paragraph of the first section of the Federal Reserve Act ( 12 U.S.C. 221 ). (b) Requirements (1) In general To provide fair access to financial services, a covered bank (including a subsidiary of a covered bank), except as necessary to comply with another provision of law— (A) shall make each financial service it offers available to all persons in the geographic market served by the covered bank on proportionally equal terms