AVANT ESSENCE

Downloadable software in the nature of a mobile application for accessing financial account information, conducting loan payments, applying for and providing loans, requesting and providing interest rate information, providing and completing loan applications, requesting and providing credit limit increases, and providing customer service, namely, providing payment alerts, providing early fraud warnings, refinancing existing loans, updating personal information and account details, verifying identity and financial information, and providing information regarding secured assets, customer referrals, transaction logs and educational content, all in the field of consumer financial services, namely, consumer lending, personal loans, credit counseling, lines of credit, money lending, loan servicing, credit card services, installment loans, revolving loans, and auto loans.

Credit card payment processing services; Credit card authorization services; Credit card transaction processing services; Issuing credit cards; Credit financing services, including administering consumer credit plans and collecting through central billing systems; Providing online information for merchants regarding guidelines and fees pertaining to credit card acceptance; Credit card verification; Financial administration of credit card accounts; Providing electronic processing of credit card transactions and electronic payments via a global computer network; Providing cash and other rebates for credit card use as part of a customer loyalty program; Loyalty program payment processing services; Credit counseling services; Financial credit scoring services; Financial services, namely, credit repair and restoration; Consumer loan services, namely, originating, financing, underwriting, servicing, and collection services for consumer loans; Point of sale consumer lending services; Consumer banking services.

Providing on-line, non-downloadable software for accessing financial account information, conducting loan payments, applying for and providing loans, requesting and providing interest rate information, providing and completing loan applications, requesting and providing credit limit increases, and providing customer service, namely, providing payment alerts, providing early fraud warnings, refinancing existing loans, updating personal information and account details, verifying identity and financial information, and providing information regarding secured assets, customer referrals, transaction logs and educational content, all in the field of consumer financial services, namely, consumer lending, personal loans, credit counseling, lines of credit, money lending, loan servicing, credit card services, installment loans, revolving loans, and auto loans.