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Financial services, namely, banking services, credit card services, debit card services, loan services and financial planning services; trust and asset management services; mortgage banking and lending services; payment of third party bills on telephone authorization of account holder; insurance underwriting in the field of life, health, auto, home, property and casualty insurance; annuity underwriting services; financial brokerage services in the fields of securities and insurance; mutual fund investment services; investment advisory services; discount investment brokerage services for independent investors and investment services offered online; providing investors with the ability to obtain personal investment account information and/or to obtain securities price quotes and/or to make securities transactions, all by telephone