COVANTAGE

Referral services, namely, referring customers to others for the underwriting of guarantee asset protection and accidental death and disability insurance contracts relating to member loans and deposit accounts

Banking and Credit union services, namely, business and personal deposit accounts, checking, savings, money market, health savings and share certificate accounts; providing business and personal loans, real estate, car, truck, watercraft and recreational vehicle loans, debit and credit card issuance services; financial counseling in the field of personal money management and bank account management; automated teller machine services, and charitable fundraising and charitable fund distribution services, namely, funding grants to civic and community betterment organizations

On-line newsletters distributed via email and on a website for download in the field of banking, consumer and business finance; educational services provided with non-downloadable video stories viewed online, in classrooms and seminars in person and on-line in the field of banking, financial literacy, money awareness and finance