36 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