HERITAGE GROVE FEDERAL CREDIT UNION

Credit union and banking services; checking account services; savings account and savings certificate services, namely, regular and IRA savings certificates; credit card, charge card and debit card services; credit and loan services; online banking services; telephone banking services; electronic banking via a global computer network; mortgage lending; ATM machine banking services; individual retirement account services; consumer lending services; providing vehicle loans, student loans, home equity loans, line of credit loans and installment loans; commercial lending services; business account deposit services in the nature of checking and savings; insurance and financial information and consultancy services; insurance administration in the field of automobile, homeowners, life and long term care insurance