Personal money management services, namely, checking account services, savings account services, debit card services, credit card services, on-line banking services, safe deposit box services, automated teller machine services, certificate of deposit services, line of credit services, money market deposit account services and retirement account services; wealth management services, namely, trust company services, investment agency services for funds of others and investment management services; investment management services, namely, asset and asset allocation planning, investment policy statement development and maintenance, investment manager and fund selection, investment performance measurement, investment manager and fund retention or replacement, portfolio rebalancing and distribution planning; asset management services, namely, designing overall asset allocation, developing account-specific strategies, planning for liquidity needs and executing and monitoring investment strategies; investment management, namely, planning and execution of short-term cash investments and implementation of charitable gift strategies; estate planning services, namely, reviewing current or new estate documents, assisting in implementing of estate plans, account titles, beneficiary designations and gifts; financial trust operations, namely, administering trusts, balancing the interests of current and future beneficiaries, adhering to applicable laws regarding trust administration and investing assets; investment brokerage services; corporate and cash management services, namely, checking account services, on-line banking services, debit card services, sweep account services, zero-balance account services, lockbox facilities for customers, check processing in the nature of check imaging services, deposit reporting services, direct deposit services, merchant credit card processing services, short term loan services in the nature of payday loan advances, line of credit services and real estate mortgage lending services; automated clearing house (ACH) services, namely, federal and state tax payment processing services, ACH bill payment services and ACH debt collection services; domestic and international electronic wire transfer of funds services; bill payment services; electronic funds transfer services; commercial lending services, namely, providing lines of credit and equipment loans, issuing letters of credit, commercial real estate mortgage lending services, providing construction loans, capital market financing services, and commercial real estate lending services, namely, acquisition loans, development loans and residential homebuilding loans for builders and real estate investors; account custody services relating to financial assets, maintaining escrow accounts for investments, and tax deferred financial exchange services