36 Personal financial management services; financial transaction services, namely, budget planning in the nature of income and expense transaction tracking; financial transaction services, namely, tracking and financial management of subscriptions and bills; financial data aggregation, namely, electronically collecting financial data from multiple accounts into a single location for financial review analysis; cash advance services in the nature of processing early payments to and from others in exchange for a fee; credit reporting service provider, namely, providing consumer credit reports and credit scores maintained by others; bill negotiation services, namely, negotiating price reductions and service contract terms for others; providing financial information; savings account services; credit card services namely, issuing of credit cards, credit card transaction processing service, credit card verification services, and processing credit card transactions and payments; credit consulting services; financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale