36 Financial services, namely, credit union services; banking services; trust services; personal and commercial banking services; merchant banking services; financial information and advisory services; credit union services and banking services, namely, providing savings accounts, checking accounts, money market deposit accounts, and individual retirement accounts; credit union services and banking services featuring the provision of certificates of deposit; ATM banking services; online banking services; full service online and digital banking services via the Internet and mobile devices; mobile banking services; Electronic funds transfer services; accounts payable debiting services; bill payment services; electronic payment services involving electronic processing and subsequent transmission of automated clearing house (ACH) payment data, electronic check payment data, electronic payments, and invoice, bill, tax, and distribution payment data; tax payment processing services; Commercial lending services; cash management services; financial services, namely, treasury management services; trust management accounts services; consumer lending services; mortgage lending services; mortgage banking services; mortgage financing services and mortgage refinancing services; mortgage foreclosure services; mortgage brokerage; wholesale mortgage lending services; financial services, namely, mortgage planning; providing online interactive financial calculators; providing online interactive financial calculators for mortgages and savings accounts; providing personal loans and lines of credit; issuing letters of credit; financing loans for inventory, machinery, vehicles and equipment; providing lease financing for inventory machinery, vehicles and equipment; indirect lending services; Financial planning services; financial services, namely, wealth management services; financial planning for retirement and estate planning; investment brokerage and investment management services; investment and securities brokerage services; financial investment management; investment advisory and consultation services; financial brokerage investment services in the fields of securities, bonds, options, commodities, futures, mutual funds, certificates of deposit, and financial portfolio management; financial research services; College and education fund planning services and funding services; providing student loans; providing savings programs for youths, young adults, and adults; Insurance services, namely, providing insurance administration, insurance brokerage, and insurance carrier services, and providing information and advice in connection therewith; insurance services, namely, underwriting, issuance and administration of life, health, accident, fire, automotive, liability, flood, renters, long term care, personal insurance, and commercial insurance; financial evaluation for insurance purposes; underwriting insurance policies for loan protection due to death, disability and involuntary unemployment; Administration of employee benefits plans concerning insurance and finance; administration of health savings accounts; Real estate brokerage services; Credit card and debit card services, namely, processing of credit cards and debit card payments; financial administration of credit card and debit card accounts; issuing credit cards and debit cards; credit card, debit card and cash card payment processing services; credit card, debit card, cash card and electronic check transaction processing services; issuing stored value cards; credit and financial consultation; financial services, namely, providing electronic processing of credit card, debit card, and electronic check payments made via contactless mobile payments at merchants in the field of retail, online retail store services and wholesale store services; Providing educational scholarships; financial administration of scholarship programs; Charitable services, namely, providing grants and financial support to charitable organizations, community organizations and educational institutions for philanthropic and academic initiatives, to encourage health and wellness in the community for development of life skills, to aid in community revitalization, and to help workforce development; Providing financial sponsorship of sporting, music, entertainment and community events; Charitable foundation services, namely, providing financial assistance for programs and services of others; charitable fundraising services; philanthropic services concerning monetary donations; charitable fundraising services and philanthropic services concerning monetary donations in support of educational and community needs; Providing financial advisory services in the field of digital currency; Providing digital currency, virtual currency, cryptocurrency and digital tokens based on blockchain technology for use by members of an on-line community via a global computer network; Financial information provided by electronic means in the field of digital banking; Banking as a Service (BaaS), namely, end-to-end processes for executing financial services in the nature of digital banking service, namely, online banking services, managing bank accounts, conducting financial transactions, and accessing financial information; Financial services, namely, research and development in the field of credit union and financial services to provide new technology, products and services for credit union members and employees; Providing information in the fields of credit unions, banking, credit card and debit card services, credit card, debit card and electronic check transaction processing services, financial management, investment brokerage, investment management, financial portfolio management, insurance, accounts payable debiting services, mortgage banking, mortgage lending, mortgage brokerage, commercial lending, consumer lending, issuing letters of credit, financial treasury management services, trust management accounts services, cash management services, online banking, bill payment services, tax payment processing services, retirement planning, personal finance, college and educational savings and funding