SMARTFED

Banking services; automated teller machine services; savings, checking and certificate of deposit account services; check card services; credit card services; debit card services; cash card services; stored value card services; deposit card services; online banking services; electronic payment services, namely electronic processing and transmission of bill payment data, mortgage lending services; home equity lending services; consumer lending services; commercial lending services; mortgage banking services; namely, origination, acquisition, servicing, specialty finance lending services, namely lending to underserved borrowers