36 FINANCIAL, BANKING, TRUST, AND INVESTMENT SERVICES, NAMELY, MORTGAGE LENDING SERVICES, MORTGAGE BANKING SERVICES, PERSONAL, BUSINESS AND COMMERCIAL BANKING SERVICES, INDIVIDUAL RETIREMENT ACCOUNT SERVICES, CHECKING, SAVINGS, AND MONEY MARKET ACCOUNT SERVICES; CREDIT CARD AND LINE OF CREDIT SERVICES; FINANCIAL PLANNING SERVICES; ELECTRONIC TRANSFERS OF FUNDS; TRUST AND FIDUCIARY SERVICES, NAMELY, ACTING AS FIDUCIARY REPRESENTATIVES; INVESTMENT MANAGEMENT CONSULTING SERVICES; FINANCIAL AND INVESTMENT ADVISORY SERVICES; FINANCIAL CONSULTATION SERVICES IN THE FIELD OF CHARITABLE FOUNDATIONS; FAMILY BUSINESS OFFICE SERVICES, NAMELY, INVESTMENT ADVISORY SERVICES, BILL PAYMENT SERVICES, REAL ESTATE MANAGEMENT, AND CHARITABLE CONTRIBUTION MANAGEMENT; ESTATE PLANNING; INSURANCE BROKERAGE SERVICES FOR PROPERTY, CASUALTY, LIFE INSURANCE AND ANNUITIES; CONSULTING SERVICES IN THE FIELD OF FIDUCIARY REPRESENTATIVES; RETIREMENT PLANNING SERVICES; AND COMMERCIAL, CONSUMER, PERSONAL AND REAL ESTATE LENDING SERVICES