HITEL

Advice relating to investments; Automated teller machine services; Banking and financing services; Checking account services; Consumer lending services; Credit and loan services; Credit card and debit card services; Credit union services; Credit unions; Electronic banking via a global computer network; Electronic payment, namely, electronic processing and transmission of bill payment data; Financial planning and investment advisory services; Financial services, namely, issuance and management of certificates backed by loan portfolios which are subsequently managed to insure the integrity of the certificates; Financial services, namely, savings programs for youths; Financing relating to automobiles; Home equity loans; Individual retirement account services; Mortgage lending; Savings account services