Educational services, namely, conducting conducting classes, seminars, conferences, workshops and testing in the field of financial counseling for moderate to low-income individuals and distribution of training material in connection therewith; Educational services, namely, providing training of credit union employees for certification in the field of financial counseling for moderate to low-income individuals.; Providing on-line training courses and testing in the field of financial counseling for moderate to low-income individuals

Providing a website featuring on-line non-downloadable software that enables users to monitor progress and results in certification training and the testing process, and to analyze use of the provided resource tools to provide a grant writer with accurate data to include in community development grants.; Providing a website featuring resources, namely, non-downloadable software for non-downloadable software for consumer calculators, budgeting materials and worksheets to assist in counseling the moderate to low-income consumer.; Providing temporary use of a web-based software application for performing calculations and budgeting to assist in counseling the moderate to low-income consumer