36 financial services, namely, savings accounts, mortgage lending, customer lending, debit card services, credit card services, foreign currency exchange, automated teller machine services, financial management, issuance of letters of credit, investment securities in the nature of maturity bonds, electronic debit transactions, money transfer services, bill payment services, and providing bank account and financial information via telephone; and insurance services, namely, auto insurance, household insurance, commercial equipment insurance, mortgage insurance, fire insurance, earthquake insurance, unemployment insurance, construction insurance, disability insurance, life insurance and health insurance