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Downloadable computer application software for mobile phones, tablets, handheld computers and mobile devices computer software for use in financial applications, namely, for use in creating and tracking income and expenses, for use in managing business finances, for use in managing books of account, for use in creating, sending and tracking invoices and payments, for use in creating, sending and tracking purchase orders, for use in creating, updating and tracking budgets, for use in managing accounts payable and accounts receivable, for use in preparing financial statements such as balance sheets, income statements, statements of cash flows and statements of changes in financial position, for use in creating and updating inventory reports, for use in calculating employee wages, salaries and entitlements, for managing payroll functions, for use in creating customized financial reports, for use in creating spreadsheets, graphs and charts displaying financial information, reports, and trends, for use in maintaining and updating contact information of employees, professional advisors and clients, and for use in accessing and performing financial transactions in connection with credit cards and debit cards for small and midsized businesses, excluding web based money transfers

Financial services, namely, acceptance of bill payments, bill payment services, bill payment services provided through a web site, credit card and debit card and payment card processing services, credit card transaction processing services, payroll tax debiting, processing of credit card payments, electronic bill payment involving electronic processing and subsequent transmission of bill payment data, financial management of reimbursement payments for others, processing of debit card payments, tax payment processing services; arranging and provision of credit products, banking products, spending cards, namely, issuing prepaid debit cards and prepaid credit cards, and financing term loans, business loans, small business loans, commercial loans, and small commercial loans; financing of loans; all of the foregoing excluding web-based money transfers