computer software and software applications for analyzing users' financial creditworthiness; computer software and software applications for extending loans and lines of credit; computer software and software applications that enable users to obtain loans, lines of credit; computer software and software applications that enable users to perform banking transactions; computer software and software applications for aiding individuals and businesses in creating a credit and payment history and identity, for demonstrating credit worthiness and ability to pay, for verifying and validating prior payment history and future payment capabilities, and for communicating this data and information with lenders, merchants and other business to facilitate transactions; computer software and software applications for use in aiding individuals and businesses in creating a financial identity; computer software and software applications for use in educating individuals and businesses about locating and selecting financial services; computer software and software applications for use in recommending and connecting individuals and businesses with financial service providers; computer software and software applications for use in facilitating individuals' and businesses' access to financial services; computer software and software applications that enable telecommunications customers and subscribers to obtain loans, lines of credit, additional minutes, periods of service or data capabilities, and share any of the above with other customers and subscribers; computer software and software applications that enable individual and businesses, and other telecommunications customers, to manage their accounts, obtain loans and lines of credit, add, borrow and transfer funds, increase account limits, periods of service, and voice or data capabilities, obtain, loan and transfer funds and the ability to use their account to others, modify account parameters and features, and store value; computer software and software applications that provides customer access to their telecommunications account information, and usage pattern information, consumption and usage data, for purposes of account management and telecom usage management

Financial advisory services, namely, enabling individual and businesses to create a credit and payment history and identity, demonstrate credit worthiness and ability to pay, verify and validate prior payment history and future payment capabilities, and establish a financial identity or profile in order to facilitate transactions with lenders, merchants and other businesses; financial services, namely, aiding individuals and businesses in creating a financial identity; financial services, namely, recommending and connecting individuals and businesses with financial service providers; financial services, namely, facilitating individuals' and businesses' access to financial services; financial services, namely, extending loans and lines of credit to individuals and businesses; financial services, namely, providing loans and lines of credit for the purchase of consumer goods and services; financial services, namely, enabling individuals, businesses, and others to arrange and obtain loans, and lines of credit; financial services, namely, providing on-line stored value accounts that enable individuals and businesses to add, borrow and transfer funds; financial services, namely, online banking services accessible by means of downloadable mobile applications; financial services, namely, credit card services in the nature of transaction processing, payment processing, providing lines of credit for purchase transactions and cash access, and issuance of credit cards; financial services, namely, debit card services in the nature of transaction processing, payment processing, and issuance of debit cards; financial services, namely, provision and financial administration of debit electronic transactions; financial services, namely, provision and financial administration of credit accounts; financial services, namely, investment fund transfer and transaction services; electronic payment services involving electronic processing and subsequent transmission of bill payment data, and electronic transfer of money for others; financial transaction services, namely, providing secure commercial transactions; financial services, namely, providing working capital and loans to businesses; financial transaction services, providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic, mobile and online payments; financial credit scoring services; credit counseling services; insurance agency and brokerage services in the field of mobile handset insurance, life insurance, funeral insurance, microinsurance services, crop insurance; providing financial advice and consultation in the field of financial health and wellness, establishing a financial identity, and demonstrating credit worthiness and ability to pay

telecommunications services, namely, enabling individuals, businesses, and other telecommunications customers and subscribers to obtain additional minutes, modify account limits, periods of service, voice or data capabilities, and share any of the above with other customers and subscribers; telecommunication services, namely, enabling individual and businesses, and other telecommunications customers, to manage their accounts, increase account limits, periods of service, and voice or data capabilities, modify account parameters and features, and share account capabilities with other telecommunications customers

educational services, namely, providing tutoring and coaching in the field of financial health and wellness, establishing a financial identity, demonstrating credit worthiness and ability to pay, and locating and selecting financial service providers and services; educational services, namely, providing classes, seminars, and workshops the field of financial health and wellness, establishing a financial identity, and demonstrating credit worthiness and ability to pay, and locating and selecting financial service providers and services; providing online publications in the nature of articles and e-books and coaching in the field of financial health and wellness, establishing a financial identity, and demonstrating credit worthiness and ability to pay

providing temporary use of on-line non-downloadable software and applications for analyzing users' financial creditworthiness; providing temporary use of on-line non-downloadable software and applications for extending loans and lines of credit; providing temporary use of on-line non-downloadable software and applications that enable users to obtain loans and lines of credit; providing temporary use of on-line non-downloadable software and applications that enable users to perform banking transactions; providing temporary use of on-line non-downloadable software and applications for aiding individual and businesses in creating a credit and payment history and identity, for demonstrating credit worthiness and ability to pay, for verifying and validating prior payment history and future payment capabilities, and for communicating such data and information to lenders, merchants and other business; providing temporary use of on-line non-downloadable software and applications for use in aiding individuals and businesses in creating a financial identity; providing temporary use of on-line non-downloadable software and applications for use in educating individuals and businesses about financial services; providing temporary use of on-line non-downloadable software and applications for use in recommending and connecting individuals and businesses with financial service providers; providing temporary use of on-line non-downloadable software and applications for use in facilitating individuals' and businesses' access to financial services; providing temporary use of on-line non-downloadable software and applications that enable telecommunications customers and subscribers to obtain loans, lines of credit, additional minutes, periods of service or data capabilities, and share any of the above with other customers and subscribers; providing temporary use of on-line non-downloadable software and applications that enable individual and businesses, and other telecommunications customers, to manage their accounts, obtain loans and lines of credit, add, borrow and transfer funds, increase account limits, periods of service, and voice or data capabilities, obtain, loan and transfer funds and the ability to use their account to others, modify account parameters and features, and store value; providing temporary use of on-line non-downloadable software and applications that provide customer access to their telecommunications account information, and usage pattern information, consumption and usage data, for purposes of account management and telecom usage management; Electronic signature verification services using technology to authenticate user identity