HF HOME FEDERAL BANK

Brokerage services for bonds; safe deposit box services; financing and loan services, namely, providing personal and consumer loans and lines of credit, telephone banking services; banking services, namely, direct deposit services, electronic funds transfer services, wire transfer services, and cashier check services; financial administration of retirement plans; trust services, namely, investment and trust company services; individual retirement account services; providing commercial loans; checking account services; online banking services accessible by means of downloadable mobile applications to allow customers to access bank account information and transact bank business and bill payment services; banking services accessible by means of text messaging; mortgage banking services, namely, origination, acquisition, servicing, and brokerage of mortgage loans; providing installment loans; provide ATM banking services; electronic debit card transaction processing; online banking services; savings account services; banking services featuring the provision of certificates of deposit; administration of health savings accounts; credit card payment processing services