a.    Member complaints

b.    Adding/removing joint owners

c.    Close accounts

d.    Change of address

e.    Change name

f.     Checkbook balancing

g.    Respond to member emails

h.    Western Union

i.      Outgoing/Incoming wires

j.      Notary services

k.    Debit card - reissue, reset PIN, close

l.      Teller processes

m.   Collection of delinquent loans

n.    Charge-off of loans