SANDIA AREA FEDERAL CREDIT UNION

Financial services, namely, credit union services featuring installment loans, revolving loans, credit card loans, home loans, residential and commercial land and construction loans, home equity loans and lines of credit, savings account services, checking account services, business checking account services, commercial checking account services, money market deposit account services, certificate of deposit account services, individual retirement account services, credit card services, debit card services, credit union checking account, automated teller machine services, notary public services, automatic overdraft protection services, check cashing services, short-term loans, overdraft protection services, electronic direct deposit of funds into customer bank accounts, electronic statements detailing, analyzing, and providing supplemental information regarding explanation of benefits paid by health insurers, gift check services in the nature of issuing personalized gift checks akin to money orders, safe deposit box services, surety bond services in connection with signature guarantees, sale and redemption of U.S. Saving Bonds, electronic transfers of money, money order services, telephone banking, online banking, and online bill paying services