AUTHENTIC BANKING

Credit union services and related financial services, namely, lending and deposit account services; Credit and debit card services, namely, payment processing services for purchases; ATM banking services; Bill payment services; Electronic funds transfers of balances; Credit and debit card verification services; Online and mobile banking services; Telephone banking services; Mortgage banking services, namely, origination, servicing, and refinancing of residential mortgage loans and commercial real estate loans; Credit and loan services, namely, origination, servicing, and refinancing of home equity loans, student loans, vehicle purchase loans, construction loans, business loans, and debt consolidation loans; Investment management and investment advisory services; Insurance services, namely, underwriting, issuing and administration of life, home, auto, health, long term care, disability, and accident insurance; Financial and investment services, namely, on-site financial consultations, management and brokerage in the fields of stocks, bonds, mutual funds, retirement accounts, and real estate investment trusts