DESERT FINANCIAL CREDIT UNION

Merchant services, namely, payroll preparation and processing services; treasury management services, namely, payroll management services; reconciliation of accounts on behalf of others; automobile buying services, namely, purchasing agents in the field of automobiles

Banking and credit union services; saving, checking, and money market account services; banking services featuring the provision of certificates of deposit; administration of health savings accounts and individual retirement account services; ATM and debit card transaction processing services; automated teller machine services; issuance of checks, cashier's checks and money orders; overdraft protection and courtesy pay services, namely, financial guarantee services which protect customers from penalties or returned checks resulting from overdrawn accounts; investment sweep services, namely, investment administration services whereby an amount from financial accounts is invested on behalf of account holders; mobile and online banking services; bill payments services; providing electronic processing of electronic person to person payment transaction via a global computer network; providing electronic processing of electronic transfers of funds between financial accounts; financial services, namely, electronic remote and mobile check deposit services; vault and lockbox services, namely, safe deposit box services; ACH and wire services, namely, providing electronic processing of ACH and credit card transactions and electronic payments via a global computer network; safe deposit box services; automobile loan financing; recreational vehicle, boat, watercraft and motorcycle loan financing services; signature banking services, namely, providing personal loans and lines of credit; providing warranties on vehicles manufactured by others; credit protection and guaranteed asset protection services, namely, credit risk management and credit recovery and collection; mortgage loan refinancing; credit card services payment processing services; student loan services; business and commercial lending services; real estate financing services; mortgage lending; mortgage servicing, namely, procurement for others; home equity loans and lines of credit; home buying services, namely, real estate brokerage services for home buyers; financial valuation of real estate and home warranties; investment management services in the field of annuities, stocks, bonds and mutual funds; financial planning and financial advice; investment management and consultancy services; insurance services, namely, administration and brokerage of auto, home, life and health insurance; estate planning services

Financial education and literacy services, namely, providing seminars and workshops about borrowing and saving money and estate planning

Positive pay and ACH fraud filters, namely, electronic monitoring of check payment and credit card activity to detect fraud via the internet

legal services, namely, estate document preparation services