Financial services, namely, financial services pertaining to personal financial accounts, daily monitoring of financial transactions and account balances, and budget and spending loan financing, consumer lending, loan qualification and approval; providing consumers with information about loans and information that lenders and others use to make credit decisions; credit card services; credit consulting services; credit information services, namely, providing credit information relating to consumer applicants for credit; mortgage and real estate services, namely, originating, underwriting, brokering, servicing, selling and securitizing mortgage loans and reverse mortgages, real property loan closing services, real estate escrow services, real estate brokerage services, and real estate consultancy services; providing a website featuring information in the field of credit scoring and credit management; cash management, namely, facilitating transfers of electronic cash equivalents; providing webbased, automated and customized personal financial management services, namely, user-directed management reporting, each through a global computer network; providing working capital financing to small businesses; financial advice; commercial lending services; issuing letters of credit; investment consultation; financial consultation for educational financial assistance and student loan services; bill payment services; electronic processing (ACH) services; insurance and warranty services; providing underwriting warranty and extended warranty contracts; investment consultation, investment brokerage and investment management services; financial investment services in the fields of securities, mutual funds, certificates of deposit, and portfolio management