; (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 ). (8) Person The term person — (A) means— (i) any natural person; or (ii) any partnership, corporation, or other business or legal entity; and (B) includes a customer. (b) Requirements (1) In general To provide fair access to financial services, a covered bank, including a subsidiary of a covered bank, shall, except as necessary to comply with another provision of law— (A) make each financial service the covered bank offers available to all persons in the geographic market served by the covered bank on proportionally equal terms; (B) not deny any person a financial service the covered bank offers unless the denial is justified by such quantified and documented failure of the person to meet quantitative, impartial risk-based standards established in advance by the covered bank; (C) not deny, in coordination with or at the request of others, any person a financial service the covered bank offers