36 FINANCIAL SERVICES, NAMELY, FINANCIAL PLANNING SERVICES, INVESTMENT ADVICE, INVESTMENT MANAGEMENT, FINANCIAL PORTFOLIO MANAGEMENT, FINANCIAL ANALYSIS AND CONSULTATION, INVESTMENT BROKERAGE, AND STOCK BROKERAGE; TRUST AND ESTATE MANAGEMENT AND FIDUCIARY SERVICES; RISK MANAGEMENT AND INSURANCE SERVICES, NAMELY, INSURANCE CONSULTATION AND INSURANCE BROKERAGE; BILL PAYMENT SERVICES