CITIZENS BANK OF LAS CRUCES

Retail and commercial banking services, namely, banking consultation, banking services featuring the provision of certificates of deposit, ATM banking services, telephone banking services, electronic banking via a global computer network, merchant banking services, on-line banking services, on-line banking services accessible by means of downloadable mobile applications, checking account services, savings account services, savings bank services; checking account services, namely opening a checking or savings account on-line for others; providing customer account information for business and personal checking and savings deposit accounts via the Internet; providing existing loan account information and new loan account information via the Internet; third party bill paying services via the Internet; on-line payment services; credit card and debit card services; cash management services; safe deposit box services; mortgage banking services; money market account services; banking services, namely issuing certificates of deposit; individual retirement account services; loan services; providing personal loans; providing home equity loans; providing auto loans; arranging FHA loans; arranging VA loans; providing conventional loans; providing lines of credit; wire transfers, namely electronic funds transfers; banking financial services; financial management; financial consultation; mortgage lending services, namely providing financial mortgage calculators as mortgage lending information; money lending; financing services; mortgage lending; arranging reverse mortgages; mortgage refinance services; providing loan payment services through a single transaction from any bank in the United States; providing customer account information for checking and savings deposit accounts via the Internet; providing financial services in the nature of third party bill paying services via the Internet, namely providing remote deposit capture services capturing money orders and checks, cashier's checks and commercial checks electronically using a secure, accountable check processing system; cash management for business accounts; electronic funds transfers; banking services, namely providing stop payment services; providing electronic processing of ACH transactions; and electronic payment services in the nature of direct deposit payroll and other electronic payment services