EXPERIENCE BANKING UNDEFINED

Customer loyalty services, namely, providing reward programs for financial accounts by issuing points to consumers for using credit union services, referring family and friends and other interactions with the credit union, and processing the loyalty points for discounts on loan rates, increases on CD rates, waiving a fee, purchasing tickets, obtaining gift cards and other purchases of goods and services; promoting the goods and services of others by means of a rewards program in which financial institutions issue reward points for use of products and or services which are accumulated and redeemable for purchases of, or discounts on, various goods and services

Credit union services; safety deposit box services; internet banking services; automatic teller machine services; mortgage lending services; checking and savings account services; consumer lending services; home equity loans; credit card authorization and processing services; providing bank account information by telephone; debit card transaction processing services; electronic funds transfer; financial services, namely, financial and retirement planning, estate planning, wills and trusts planning, providing educational loans, financial management and administration of employee pension rollovers, and life and long term care insurance brokering; insurance agencies; insurance services, namely, insurance brokerage