HERITAGEWEST CREDIT UNION

Credit union and banking services; savings account services; checking account services; banking and credit union services featuring the provision of certificates of deposit; banking and credit union services featuring money market accounts; individual retirement account services; consumer lending services; credit card, charge card and debit card services; credit and loan services; financing of auto loans; auto dealer loan financing; mortgage lending; home equity loans and lines of credit; student loans; providing business savings and checking account services; financing business loans; financing construction loans; commercial lending services; online banking services; electronic banking via a global computer network; ATM banking services; insurance and financial information and consultancy services; investment advice; financial planning for retirement