Banking services, namely, providing checking and savings accounts, time deposits, mortgages and loans, commercial and consumer lending, cash management, safe deposit boxes, and related electronic banking services provided to individuals and businesses; trust and estate services, namely, estate trust management, estate trust planning, financial trust planning and administration, estate planning for funded and unfunded estates, fiduciary representative services, administering charitable trusts, revocable, irrevocable, and special needs trusts, and executor and trustee services; Insurance and financial information and consultancy services; insurance services, namely, underwriting, issuing and administration of all types of insurance; insurance underwriting consultation