FREEDOM OF MARYLAND FEDERAL CREDIT UNION

Goods and Services related to financial or monetary affairs which comprise of the following specific products and services under a special Community Charter including but not limited to Share Savings; Individual Retirement Accounts; Roth IRA; Christmas Club Special Account; Home Equity Lending Programs; Internet Banking and Bill Paying; Visa Credit Cards; VA Mortgage Loans; FHA Mortgage Loans; Construction Loans; Online "CUSHopper" an online shopping discount service; 24-hour Person to Person Loans by Telephone; Night Deposit Boxes; ATM Check Cards; Automated Teller Machine Services; Direct Deposit; Payroll Deduction Service; Travelers Cheques; Money Orders; Savings Bonds; Bank Wires; Western Union Transfers; Member Elect Life Insurance; Temporary Disability Insurance; Special Accounts for Minors; Vehicle Purchase Guides and Trust Accounts