36 Banking services; financial services, namely, financial analysis, consultation, planning and management, commercial and consumer lending and leasing services, mortgage lending and loan financing, credit card services, debit card services, factoring, payroll services, trust and benefit administration services, bill presentment and bill payment services, and account aggregation and consulting services; investment services, namely, providing an investment analysis, consultation, planning, management, advisory, brokerage and banking and research services with respect to financial products, real estate and other instruments of investment; and insurance services, namely, providing insurance administration and consultation services in the fields of life, property and casualty, accident, health and credit and commercial insurance services