36 financial and insurance services, namely banking services including savings account services, mortgage and lending services, consumer's credit and debit card services, credit card services, foreign money exchange services, electronic cashier (ATM) services, electronic management services, negotiation of valuable titles, credit letter services, maturity bond services, automatic debit services, deposit services, bank transfers, payments to third parties, automatic bill payment services, money transfer services and national deposit services; life insurance underwriting