36 Financial services, namely, personal loan, secured loan, auto loan, line of credit, mortgage, home equity loan, credit card, and debit card services including payment and account balance services and notifications; savings account services including electronic fund transfer, bill payment, budgeting and budget balancing, savings account management, intelligent savings solutions, prize-linked savings, account balance, activity, and notifications and communications delivered via email, sms, in-app, chat, chat bot, and push notifications, and other account services; long-term savings and investment services, including retirement accounts; registered investment advisory services; financial education and credit score services; financial consulting, namely, creating personalized strategies for achieving financial independence; business to business to consumer financial services and products including lending as a service and platform as a service for consumer lending and credit product services; and other intelligent assistance, financial advising, and referral services