HUDSONVALLEY FEDERAL CREDIT UNION

Credit union and banking services; financial account services, namely, checking and savings account services, certificate of deposit accounts services, money market accounts services, individual retirement accounts services, and health savings accounts services; loan financing of consumer and real estate loans; providing home equity lines of credit; issuance of travelers' checks; automated teller machines (ATM) services; financial services, namely, electronic remote check direct deposit services; financial services, namely, electronic remote check direct deposit services of payroll checks; providing electronic processing of automatic payroll deductions and electronic fund transfers, credit card, debit card, and electronic payments; pre-paid purchase card services, namely, processing electronic payments made through prepaid cards; check-cashing services; credit card payment processing services, namely, automated clearing house (ACH) transaction processing services on behalf of merchants; online banking services; bill payment services; telephone and mobile banking services, electronic banking via a global computer network; mortgage lending; providing personal loans and lines of credit; lease purchase financing; installment loans; commercial lending services; banking business account deposit services in the nature of making deposits to checking and savings, and money market accounts; banking services featuring the provision of certificates of deposit; merchant banking services; financial services, namely, vehicle purchase loans; financing of recreational loans; financing of boat loans; financing of motorcycle loans; financing of recreational vehicle loans; student loans services; insurance and financial information and consultancy services; insurance administration in the field of vehicle, homeowners, renters, business, life, personal property, casualty and veterinary insurance; financial administration of retirement plans; financial planning for retirement; mutual fund brokerage, mutual fund investment, and mutual fund distribution; investment management services; insurance agency and brokerage; estate planning services; financial trust operations