Providing knowledge from experts in the nature of information in the fields of investment and trading strategies, personal finance, and financial planning for retirement via the internet, all of the foregoing excluding services in connection with any credit, debit, payment card or fund transfer services, any financial handling or payment services, and/or informational or consulting services related to any of the aforementioned excluded services

credit union services, safety deposit box services, internet banking services, automatic teller machine services, mortgage lending services, checking and savings account services, consumer lending services, home equity loans, travelers check issuance, credit card services, providing bank account information by telephone, debit transaction services, and electronic funds transfer

credit counselling, financial counselling, debt management