banking services; financial services, namely, financial analysis, consultation, planning and management services; commercial and consumer lease financing and management services; mortgage lending and loan financing; credit card services; debit card services; factoring agencies; payroll tax debiting services; trust and estate planning; estate settlement; financial consultation and advice regarding trust options; private trust and capital management; investment management; administration of employee benefit retirement plans; financial consultation and advice regarding corporate retirement plan options; review and analysis of employee benefits as part of employee benefit administration services, namely, review and analysis of executive compensation and wages; electronic bill presentment and bill payment services; credit card account bill consolidation and integration services and financial consultation services related thereto; investment services, namely, providing investment analysis, consultation, planning, management, advisory, brokerage, 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, casualty, accident, and health and credit and commercial insurance services