Consumer education services, namely, workshops, seminars, classes and webinars in the areas of managing debt, establishing, managing and rebuilding credit, personal budget and expense management, financial management, financial planning, debt management and settlement programs, insolvency counseling, money management, and personal budgeting, savings and expense guidance

Debt counseling services and financial counseling services, namely, helping others build a better working relationship with their money; providing information in the field of debt and financial counseling