CAREPOINT FEDERAL CREDIT UNION

Credit union services; financial services, namely, banking; depository accounts, namely, savings accounts, checking accounts, money market accounts, certificates of deposit, IRAs, deferred compensation accounts; loan programs, namely, vehicle loans, credit cards, lines of credit, computer loans, real estate loans, mortgages, home equity loans; online banking services, automated teller machine services, home banking, bill pay, electronic deposits, ATM access services; investment services, namely, investment advice services; fund transfer and transaction services; and banking services provided by telephone connections