Consumer credit counseling services, including budget and debt management counseling; consumer debt management services, including the creation of individualized debt management programs; providing financial information to individuals about the creation and management of budgets; providing financial information to individuals regarding personal budgeting, savings and expense guidance; providing on-line information in the field of consumer money and consumer debt management; credit report counseling; consumer credit report analysis; providing credit evaluation, analysis, and information services; financial consultation, namely, personal financial consultation in the area of budgeting and saving to individual consumers; financial consultation in the nature of consumer housing counseling, namely, counseling in the fields of mortgage delinquency and default, loss mitigation for under or non-performing mortgage loans, financing for home-buying, financial home pre-purchase planning, and reverse home equity mortgages; financial consultation, namely, bankruptcy counseling in the nature of debt counseling; financial planning

Educational services, namely, providing in-person and on-line classes, courses, seminars, workshops, personal training, and coaching in the areas of general financial literacy, debt management, consumer credit, identity theft, home ownership, pre-purchase home buyer education, mortgage foreclosure prevention, reverse home equity mortgages, bankruptcy, money management and personal finance, personal budget and expense management, and personal budgeting, savings and expense guidance, and distribution of materials in connection therewith