The term 'COMMERCIAL LEAD-IN TO BANK' can be solved by the four letter word 'CITI'. Citi is a global financial services company that provides consumers, corporations, governments and institutions with a broad range of financial products and services. It is one of the largest banks in the world, with operations in more than 160 countries and jurisdictions. Citi is a leader in the banking industry, offering a wide range of products and services to meet the needs of its customers.