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(10) “financial institution” means an institution subject to state or federal banking or financial regulations, including (A) a broker-dealer; (B) a commercial bank; (C) a savings bank; (D) a credit union; (E) a premium finance company; (F) a small loan company; (G) a bank holding company; (H) a financial holding company; (I) a trust company; (J) a savings and loan association; (K) a deferred deposit advance licensee; (L) an investment bank; (M) an insurance company subject to regulation by AS 21; (N) a licensee subject to regulation by AS 21; and (O) an investment adviser; (11) “incapacitated person” means a person whose ability to receive and evaluate information or to communicate decisions is impaired to the extent that the person lacks the ability to provide or arrange for the essential requirements for the person's physical health or safety without court- ordered assistance; (12) “neglect” means the intentional, knowing, or reckless failure by a caregiver to provide essential care or services or access to essential care or services or to carry out a prescribed treatment plan necessary to maintain the physical and mental health of the vulnerable adult when the vulnerable adult is unable to provide or obtain the essential care or services or to carry out the prescribed treatment plan on the vulnerable adult's own behalf; in this paragraph, “essential care or services” includes food, clothing, shelter, medical care, and supervision; (13) “person who stands in a position of trust or confidence” means a person who (A) is a relative by blood or marriage; (B) is a joint tenant or tenant in common; (C) has a legal or fiduciary relationship; or (D) is a person who has been entrusted with or has assumed responsibility for the use or management of the vulnerable adult's assets or income;