HAPPY MONEY, INC.

FINANCIAL TOOLS AND SERVICES FOR HUMAN HAPPINESS

Downloadable software enabling users to view personal financial information and evaluations; downloadable software featuring personal lifestyle performance assessments and skill enhancement programs based on principles of emotional intelligence, by means of performance tracking, reward and incentive programs; Downloadable software for personal financial management; Downloadable software for forecasting and analysis of financial data; Downloadable software for financial data aggregation; Downloadable software for personal financial management that guides users via artificial intelligence in the form of virtual coaches; Downloadable software providing personalized strategies to achieve financial independence; Downloadable software for online banking, financial transaction management, financial planning, financial management, bill tracking and management, expense tracking and management, and accounting; Downloadable software for providing banking, financial and bill payment alerts; Downloadable software for enabling users to retrieve financial account balances and financial transaction information using mobile phones, smart phones, tablets, and mobile telecommunication networks; Downloadable software for use in processing electronic payments and transferring funds to and from the banking accounts of others; Downloadable software for use in transferring funds between financial accounts; Downloadable software for personal financial management, namely, customized management of non-investment personal financial accounts, daily monitoring of transactions and account balances, and budget and spending reporting and analysis through a global computer network;Conducting on-line personal lifestyle performance assessments and skill enhancement programs based on principles of emotional intelligence, by means of performance tracking, reward and incentive programs;Software as a service (SAAS) services featuring software that enables users to view financial information and evaluations; Software as a service (SAAS) services featuring software for providing online personal lifestyle performance assessments and skill enhancement programs based on principles of emotional intelligence, by means of performance tracking, reward and incentive programs; Software as a service (SAAS) services featuring software for personal financial management; Software as a service (SAAS) services featuring software for online banking, financial transaction management, financial planning, financial management, bill tracking and management, expense tracking and management, and accounting; Software as a service (SAAS) services featuring software for forecasting and analysis of financial data; Software as a service (SAAS) services featuring software for providing banking, financial and bill payment alerts; Software as a service (SAAS) services featuring software for enabling users to wirelessly view personal financial data and databases; Software as a service (SAAS) services featuring software for enabling users to retrieve financial account balances and financial transaction information using mobile phones, smart phones, tablets, and mobile telecommunication networks; Software as a service (SAAS) services featuring software for use in processing electronic payments and transferring funds to and from the bank accounts of others; Software as a service (SAAS) services featuring software for use in transferring funds between financial accounts; Software as a service (SAAS) services featuring software for personal financial management, namely, customized management of non-investment personal financial accounts, daily monitoring of transactions and account balances, and budget and spending reporting and analysis through a global computer network; software as a service (SAAS) services featuring software that guides users via artificial intelligence in the form of virtual coaches in the field of personal financial management ; software as a service (SAAS) services featuring software for providing personalized strategies to achieve financial independence;

FINANCIAL TOOLS AND SERVICES FOR HUMAN HAPPINESS

Financial information and evaluations; Financial services, namely, money lending; Savings account services, namely, provision of savings accounts services; personal financial management services, namely, financial management services in the field of personal finance; online banking; financial transaction services, namely, budget planning in the nature of income and expense transaction tracking; financial planning; financial management; financial analysis; financial management services, namely, tracking of expenses for the purpose of budget planning; financial forecasting and analysis of financial data; financial services for financial data aggregation, namely, electronically collecting financial data from multiple accounts into a single location for financial review analysis; financial administration and management services for the management of credit and debit cards, loans, mortgages, investments and financial accounts; providing information, news, opinions and advice in the fields of banking, financial management, saving and financial planning and retirement financial planning via computer and communication networks, the internet, and social media; providing financial information, news, opinion and advice in the fields of personal budgeting and household budgeting via computer and communication networks, the internet, and social media; providing financial information, news, opinions and advice in the field of consumer spending via computer and communication networks, the internet, and social media; Processing electronic payments and transferring funds to and from the bank accounts of others; electronic transfer of funds between financial accounts; Personal financial management services, namely, customized management of non-investment personal financial accounts, daily monitoring of transactions and account balances, and budget and spending reporting and analysis through a global computer network; personal financial management that guides users via artificial intelligence in the form of virtual coaches, namely, financial advice; Financial planning, namely, the creation of personalized strategies to achieve financial independence; Financial counseling services, namely, helping others build a better working relationship with their money;

FIND JOY

Providing financial information via a web site;

GOODBYE CREDIT CARD DEBT

Conducting on-line personal lifestyle performance assessments and skill enhancement programs based on principles of emotional intelligence, by means of performance tracking, reward and incentive programs;Software as a service providing online personal lifestyle performance assessments and skill enhancement programs based on principles of emotional intelligence, by means of performance tracking, reward and incentive programs; software as a service for providing banking, financial and bill payment alerts; software as a service for enabling users to wirelessly view personal financial data and databases; software as a service for enabling users to retrieve financial account balances and financial transaction information using mobile phones, smart phones, tablets, and mobile telecommunication networks;

GOODBYE CREDIT CARD DEBT.

Downloadable software for providing banking, financial and bill payment alerts; downloadable software for enabling users to retrieve financial account balances and financial transaction information using mobile phones, smart phones, tablets, and mobile telecommunication networks;

HAPPY CHECKING

CHECKING;Software as a service (SAAS), featuring software for use by others for online bank account management, namely, accessing online banking services; providing temporary use of non-downloadable software, in the nature of an electronic financial platform, namely, for processing financial transactions, accessible on a smart phone, a personal digital assistant, personal computer, or integrated mobile phone via a web-based portal;

HAPPY MONEY

Financial planning, namely, the creation of personalized strategies to achieve financial independence;Psychological counseling in the field of financial health and wellness;

HAPPY MONEY

MONEY;Providing an online non-downloadable financial technology platform to consumers, namely, for, managing credit card debt, generating customized credit scores, credit counseling, financial recommendations, and financial planning;

HAPPY MONEY

Downloadable software for managing credit card debt; Downloadable software for financial planning; Downloadable software for credit counseling and financial recommendations; Downloadable software, namely, an electronic financial platform for financial planning and managing credit card debt using a smart phone, an integrated mobile phone, a personal digital assistant, or a web-based environment;MONEY;

HAPPY MONEY MOVEMENT

Downloadable software providing online personal lifestyle performance assessments and skill enhancement programs based on principles of emotional intelligence, by means of performance tracking, reward and incentive programs; Downloadable software for financial planning, financial management, bill tracking, expense management, and accounting; Downloadable software for personal financial management that guides users via artificial intelligence in the form of virtual coaches; Downloadable software providing personalized strategies to achieve financial independence;Conducting on-line personal lifestyle performance assessments and skill enhancement programs based on principles of emotional intelligence, by means of performance tracking, reward and incentive programs;Psychological counseling in the field of wellness;MOVEMENT;Software as a service (SaaS) services featuring software for providing online personal lifestyle performance assessments and skill enhancement programs based on principles of emotional intelligence, by means of performance tracking, reward and incentive programs; software as a service (SaaS) services featuring software for financial planning, financial management, bill tracking and management, expense tracking and management, and accounting; software as a service (SaaS) services featuring software for personal financial management that guides users via artificial intelligence in the form of virtual coaches; software as a service (SaaS) services featuring software for providing personalized strategies to achieve financial independence;

HAPPY MONEY SCORE

Downloadable software for financial planning, financial management, bill tracking, expense management, and accounting; and Downloadable software providing personalized strategies to achieve financial independence;SCORE;

HAPPY MONEY SCORE

In the statement, Class 36 is deleted. In the statement, class 42, Software as a service featuring software that enables users to view financial information and evaluations; Software as a service for personal financial management; and Artificial intelligence for financial management. is deleted.;[Financial information and evaluations; financial transaction services, namely, budget planning in the nature of income and expense transaction tracking; financial planning; financial management; financial analysis; financial management services, namely, tracking of expenses; financial data aggregation, namely, electronically collecting financial data from multiple accounts into a single location for financial review analysis; providing information, news, opinions and advice in the fields of financial management, financial planning, and personal budgeting; personal financial management that guides users via artificial intelligence in the form of virtual coaches; financial planning, namely, the creation of personalized strategies to achieve financial independence; and financial counseling services, namely, helping others build a better working relationship with their money];Conducting on-line personal lifestyle performance assessments and skill enhancement programs based on principles of emotional intelligence, by means of performance tracking, reward and incentive programs;SCORE;[Software as a service featuring software that enables users to view financial information and evaluations;] Software as a service providing online personal lifestyle performance assessments and skill enhancement programs based on principles of emotional intelligence, by means of performance tracking, reward and incentive programs; [Software as a service for personal financial management;] Software as a service for financial planning, financial management, bill tracking and management, expense tracking and management, and accounting; Software as a service for personal financial management that guides users via artificial intelligence in the form of virtual coaches; [Artificial intelligence for financial management;] and Software as a service providing personalized strategies to achieve financial independence;

HAPPY MONEY. A HAPPIER FUTURE.

Downloadable software providing online personal lifestyle performance assessments and skill enhancement programs based on principles of emotional intelligence, by means of performance tracking, reward and incentive programs; Downloadable software for financial planning, financial management, bill tracking, expense management, and accounting; Downloadable software for personal financial management that guides users via artificial intelligence in the form of virtual coaches; Downloadable software providing personalized strategies to achieve financial independence;Conducting on-line personal lifestyle performance assessments and skill enhancement programs based on principles of emotional intelligence, by means of performance tracking, reward and incentive programs;Psychological counseling in the field of wellness;Software as a service (SaaS) services featuring software for providing online personal lifestyle performance assessments and skill enhancement programs based on principles of emotional intelligence, by means of performance tracking, reward and incentive programs; software as a service (SaaS) services featuring software for financial planning, financial management, bill tracking and management, expense tracking and management, and accounting; software as a service (SaaS) services featuring software for personal financial management that guides users via artificial intelligence in the form of virtual coaches; software as a service (SaaS) services featuring software for providing personalized strategies to achieve financial independence;

HAPPY MONEY. HAPPIER LIFE.

Financial planning, namely, the creation of personalized strategies to achieve financial independence via a mobile application;

HAPPY MONEY. HAPPIER LIFE.

software as a service for personal financial management that guides users via artificial intelligence in the form of virtual coaches; software as a service providing personalized strategies to achieve financial independence;

HAPPY PAY

Downloadable software enabling users to view personal financial information and evaluations; downloadable software providing online personal lifestyle performance assessments and skill enhancement programs based on principles of emotional intelligence, by means of performance tracking, reward, and incentive programs; downloadable software for personal financial management; downloadable software for online banking, financial transaction management, financial planning, financial management, bill tracking and management, expense tracking and management, and accounting; downloadable software for forecasting and analysis of financial data; downloadable software for financial data aggregation; downloadable software for providing banking, financial, and bill payment alerts; downloadable software for enabling users to retrieve financial account balances and financial transaction information using mobile phones, smart phones, tablets, and mobile telecommunication networks; downloadable software for use in processing electronic payments and transferring funds to and from the banking accounts of others; downloadable software for use in transferring funds between financial accounts; downloadable software for personal financial management, namely, customized management of non-investment personal financial accounts, daily monitoring of transactions and account balances, and budget and spending reporting and analysis through a global computer network; downloadable software for personal financial management that guides users via artificial intelligence in the form of virtual coaches; downloadable software providing personalized strategies to achieve financial independence;Financial information and evaluations; financial services, namely, money lending; savings account services, namely, provision of savings accounts; personal financial management services; online banking; financial advice, namely, budget planning in the nature of income and expense transaction tracking; financial planning; financial management; financial analysis; financial management services, namely, tracking of expenses; financial data analysis, namely, forecasting and analysis of financial data; financial data analysis, namely, electronically collecting financial data from multiple accounts to aggregate the financial data into a single location for financial review analysis; financial administration and management services for the management of credit and debit cards, loans, mortgages, investments, and financial accounts; providing information, news, opinions, and advice in the fields of banking, financial management, saving, and financial planning and retirement financial planning via computer and communication networks, the internet, and social media; providing financial information, news, opinion, and advice in the fields of personal budgeting and household budgeting via computer and communication networks, the internet, and social media; providing financial information, news, opinions, and advice in the field of consumer spending via computer and communication networks, the internet, and social media; processing electronic payments of ACH, debit card, and electronic check and electronic transferring funds to and from the banking accounts of others; electronic transfer of funds between financial accounts; personal financial management services, namely, customized management of non-investment personal financial accounts, daily monitoring of transactions and account balances, and budget and spending reporting and analysis through a global computer network; personal financial management that guides users via artificial intelligence in the form of virtual coaches; financial planning, namely, the creation of personalized strategies to achieve financial independence; financial counseling services, namely, helping others build a better working relationship with their money;Conducting online personal lifestyle performance assessments and skill enhancement programs based on principles of emotional intelligence, by means of performance tracking, reward and incentive programs;PAY;

HAPPY SAVE

SAVE;Software as a service (SAAS), featuring software for use by others for online bank account management, namely, accessing online banking services; providing temporary use of non-downloadable software, in the nature of an electronic financial platform, namely, for processing financial transactions, accessible on a smart phone, a personal digital assistant, personal computer, or integrated mobile phone via a web-based portal;

HAPPY SAVINGS CARD

Computer readable cards for financial transactions, namely, magnetically encoded credit cards, magnetically encoded debit cards, microchip credit cards, and microchip debit cards; downloadable software for processing financial transactions associated with computer readable debit and credit cards;Application service provider featuring software for use as a payment gateway that authorizes processing of financial transactions associated with a computer readable card;

HAPPY SCORE

Downloadable software enabling users to view personal financial information and evaluations; downloadable software providing online personal lifestyle performance assessments and skill enhancement programs based on principles of emotional intelligence, by means of performance tracking, reward and incentive programs; Downloadable software for personal financial management; Downloadable software for online banking, financial transaction management, financial planning, financial management, bill tracking and management, expense tracking and management, and accounting; Downloadable software for forecasting and analysis of financial data; Downloadable software for financial data aggregation; Downloadable software for providing banking, financial and bill payment alerts; Downloadable software for enabling users to retrieve financial account balances and financial transaction information using mobile phones, smart phones, tablets, and mobile telecommunication networks; Downloadable software for use in processing electronic payments and transferring funds to and from the banking accounts of others; Downloadable software for use in transferring funds between financial accounts; Downloadable software for personal financial management, namely, customized management of non-investment personal financial accounts, daily monitoring of transactions and account balances, and budget and spending reporting and analysis through a global computer network; Downloadable software for personal financial management that guides users via artificial intelligence in the form of virtual coaches; Downloadable software providing personalized strategies to achieve financial independence;Financial information and evaluations; Financial services, namely, money lending; Savings account services, namely, provision of savings accounts; Personal financial management services; online banking; financial transaction services, namely, budget planning in the nature of income and expense transaction tracking; financial planning; financial management; financial analysis; financial management services, namely, tracking of expenses; forecasting and analysis of financial data; financial services for financial data aggregation, namely, electronically collecting financial data from multiple accounts into a single location for financial review analysis; financial administration and management services for the management of credit and debit cards, loans, mortgages, investments and financial accounts; providing information, news, opinions and advice in the fields of banking, financial management, saving and financial planning and retirement financial planning via computer and communication networks, the internet, and social media; providing financial information, news, opinion and advice in the fields of personal budgeting and household budgeting via computer and communication networks, the internet, and social media; providing financial information, news, opinions and advice in the field of consumer spending via computer and communication networks, the internet, and social media; Processing electronic payments and transferring funds to and from the bank accounts of others; electronic transfer of funds between financial accounts; Personal financial management services, namely, customized management of non-investment personal financial accounts, daily monitoring of transactions and account balances, and budget and spending reporting and analysis through a global computer network; personal financial management that guides users via artificial intelligence in the form of virtual coaches; Financial planning, namely, the creation of personalized strategies to achieve financial independence; Financial counseling services, namely, helping others build a better working relationship with their money;Software as a service (SAAS) services featuring software that enables users to view financial information and evaluations; Software as a service (SAAS) services featuring software for providing online personal lifestyle performance assessments and skill enhancement programs based on principles of emotional intelligence, by means of performance tracking, reward and incentive programs; Software as a service (SAAS) services featuring software for personal financial management; Software as a service (SAAS) services featuring software for online banking, financial transaction management, financial planning, financial management, bill tracking and management, expense tracking and management, and accounting; Software as a service (SAAS) services featuring software for forecasting and analysis of financial data; Software as a service (SAAS) services featuring software for providing banking, financial and bill payment alerts; Software as a service (SAAS) services featuring software for enabling users to wirelessly view personal financial data and databases; Software as a service (SAAS) services featuring software for enabling users to retrieve financial account balances and financial transaction information using mobile phones, smart phones, tablets, and mobile telecommunication networks; Software as a service (SAAS) services featuring software for use in processing electronic payments and transferring funds to and from the bank accounts of others; Software as a service (SAAS) services featuring software for use in transferring funds between financial accounts; Software as a service (SAAS) services featuring software for personal financial management, namely, customized management of non-investment personal financial accounts, daily monitoring of transactions and account balances, and budget and spending reporting and analysis through a global computer network; software as a service (SAAS) services featuring software for personal financial management that guides users via artificial intelligence in the form of virtual coaches; software as a service (SAAS) services featuring software for providing personalized strategies to achieve financial independence;

HAPPY SPEND

Downloadable software for personal financial management; Downloadable software for expense tracking and management; Downloadable software for enabling users to retrieve financial transaction information using mobile phones, smart phones, tablets, and mobile telecommunication networks; Downloadable software for personal financial management, namely, spending reporting and analysis through a global computer network;Software as a service featuring software that enables users to view financial information and evaluations; Software as a service providing online personal lifestyle performance assessments and skill enhancement programs based on principles of emotional intelligence, by means of performance tracking, reward and incentive programs; Software as a service for personal financial management; Software as a service for financial transaction management, financial planning, financial management, bill tracking and management, expense tracking and management, and accounting; Software as a service for analysis of financial data; Software as a service for providing financial and bill payment alerts; Software as a service for enabling users to wirelessly view personal financial data and databases; Software as a service for enabling users to retrieve financial account balances and financial transaction information using mobile phones, smart phones, tablets, and mobile telecommunication networks; Software as a service for personal financial management, namely, customized management of non-investment personal financial accounts, daily monitoring of transactions and account balances, and budget and spending reporting and analysis through a global computer network; software as a service for personal financial management that guides users via artificial intelligence in the form of virtual coaches; artificial intelligence for financial management; software as a service providing personalized strategies to achieve financial independence;

HAPPY SPEND

Financial information and evaluations; Financial services, namely, money lending; Provision of savings accounts; Personal financial management services; online banking; financial transaction services, namely, budget planning in the nature of income and expense transaction tracking; financial planning; financial management; financial analysis; financial management services, namely, tracking of expenses; forecasting and analysis of financial data; financial data aggregation, namely, electronically collecting financial data from multiple accounts into a single location for financial review analysis; financial administration and management services for the management of credit and debit cards, loans, mortgages, investments and financial accounts; providing information, news, opinions and advice in the fields of banking, financial management, saving and financial planning and retirement financial planning, including via computer and communication networks, the internet, and social media; providing financial information, news, opinion and advice in the fields of personal budgeting and household budgeting, including via computer and communication networks, the internet, and social media; providing financial information, news, opinions and advice in the field of consumer spending, including via computer and communication networks, the internet, and social media; Processing electronic payments and transferring funds to and from others; Transferring funds between financial accounts; Personal financial management services, namely, customized management of non-investment personal financial accounts, daily monitoring of transactions and account balances, and budget and spending reporting and analysis through a global computer network; personal financial management that guides users via artificial intelligence in the form of virtual coaches; Financial planning, namely, the creation of personalized strategies to achieve financial independence; Financial counseling services, namely, helping others build a better working relationship with their money;

HELPING BORROWERS BECOME SAVERS

Financial information and evaluations; Financial services, namely, money lending; Savings account services, namely, provision of savings accounts; Personal financial management services; Financial transaction services, namely, budget planning in the nature of income and expense transaction tracking; Financial planning; Financial management; Financial analysis; Financial management services, namely, tracking of expenses; Financial services for Financial data aggregation, namely, electronically compiling of financial data from multiple accounts into a single location for financial review analysis; Financial administration and management services for the management of credit and debit cards, loans, and financial accounts; Providing information, news, opinions and advice in the fields of banking, financial management, saving and financial planning and retirement financial planning via computer and communication networks, the internet, and social media; Providing financial information, news, opinions and advice in the fields of personal budgeting and household budgeting via computer and communication networks, the internet, and social media; Providing financial information, news, opinions and advice in the field of consumer spending via computer and communication networks, the internet, and social media; Personal financial management services, namely, customized management of non-investment personal financial accounts, daily monitoring of transactions and account balances, and budget and spending reporting and analysis through a global computer network; Personal financial management that guides users via artificial intelligence in the form of virtual coaches; Financial planning, namely, the creation of personalized strategies to achieve financial independence; Financial counseling services, namely, helping others build a better working relationship with their money;Software as a service (SAAS) services featuring software that enables users to view financial information and evaluations; Software as a service (SAAS) services featuring software for providing online personal lifestyle performance assessments and skill enhancement programs based on principles of emotional intelligence, by means of performance tracking, reward and incentive programs; Software as a service (SAAS) services featuring software for personal financial management; Software as a service (SAAS) services featuring software for financial transaction management, financial planning, financial management, bill tracking and management, expense tracking and management, and accounting; Software as a service (SAAS) services featuring software for forecasting and analysis of financial data; Software as a service (SAAS) services featuring software for providing financial and bill payment alerts; Software as a service (SAAS) services featuring software for enabling users to wirelessly view personal financial data and databases; Software as a service (SAAS) services featuring software for enabling users to retrieve financial account balances and financial transaction information using mobile phones, smart phones, tablets, and mobile telecommunication networks; Software as a service (SAAS) services featuring software for use in processing electronic payments; Software as a service (SAAS) services featuring software for personal financial management, namely, customized management of non-investment personal financial accounts, daily monitoring of transactions and account balances, and budget and spending reporting and analysis through a global computer network; Software as a service (SAAS) services featuring software for personal financial management that guides users via artificial intelligence in the form of virtual coaches; Software as a service (SAAS) services featuring software for providing personalized strategies to achieve financial independence;

JOY

Financial information and evaluations;Conducting on-line personal lifestyle performance assessments and skill enhancement programs based on principles of emotional intelligence, by means of performance tracking, reward and incentive programs;

LIFE IMPROVEMENT FINANCIAL TRANSFORMATION (LIFT)

[ Computer application software for computers, mobile phones and handheld computers, namely, software for finance management ];On-line financial planning services;FINANCIAL;

LOANS DESIGNED WITH YOUR BEST INTEREST IN MIND

On-line financial planning services;LOANS;

PAYOFF

Educational services, namely, training and teaching consisting of an interactive website containing cooperative and competitive examples, exercises and role playing lessons in the field of reducing debt, creating a meaningful legacy, and for bettering an individual's financial, mental, and physical well being;The drawing is amended to appear as follows: PAYOFF;PAYOFF;

PAYOFFLOAN

PAY OFF LOAN;Financial services, namely, financial information and evaluations; financial advice in the nature of budget planning; financial analysis of financial data; providing a website featuring financial planning information in the field of cash management, expense management, spending management, and credit scoring; and financial planning;

SAD MONEY

Financial information and evaluations; Financial services, namely, money lending; Savings account services, namely, provision of savings accounts; Personal financial management services; Personal financial management services; financial transaction services, namely, budget planning in the nature of expense transaction tracking; financial planning; financial management; financial analysis; financial management services, namely, tracking of expenses; financial data aggregation, namely, electronically collecting financial data from multiple accounts into a single location for financial review analysis; financial administration and management services for the management of credit and debit cards, loans, and financial accounts; providing information, news, opinions and advice in the fields of banking, financial management, saving and financial planning and retirement financial planning, including via computer and communication networks, the internet, and social media; providing financial information, news, opinion and advice in the fields of personal budgeting and household budgeting, including via computer and communication networks, the internet, and social media; providing financial information, news, opinions and advice in the field of consumer spending, including via computer and communication networks, the internet, and social media; Personal financial management services, namely, customized management of noninvestment personal financial accounts, daily monitoring of transactions and account balances, and budget and spending reporting and analysis through a global computer network; personal financial management that guides users via artificial intelligence in the form of virtual coaches; Financial planning, namely, the creation of personalized strategies to achieve financial independence; Financial counseling services, namely, helping others build a better working relationship with their money;MONEY;Software as a service featuring software that enables users to view financial information and evaluations; Software as a service providing online personal lifestyle performance assessments and skill enhancement programs based on principles of emotional intelligence, by means of performance tracking, reward and incentive programs; Software as a service for personal financial management; Software as a service for financial transaction management, financial planning, financial management, bill tracking and management, expense tracking and management, and accounting; Software as a service for forecasting and analysis of financial data; Software as a service for providing financial and bill payment alerts; Software as a service for enabling users to wirelessly view personal financial data and databases; Software as a service for enabling users to retrieve financial account balances and financial transaction information using mobile phones, smart phones, tablets, and mobile telecommunication networks; Software as a service for use in processing electronic payments and transferring funds to and from others; Software as a service for personal financial management, namely, customized management of non-investment personal financial accounts, daily monitoring of transactions and account balances, and budget and spending reporting and analysis through a global computer network; software as a service for personal financial management that guides users via artificial intelligence in the form of virtual coaches; artificial intelligence for financial management; software as a service providing personalized strategies to achieve financial independence;

SAD SPEND

Financial information and evaluations; Financial services, namely, money lending; Provision of savings accounts; Personal financial management services; financial transaction services, namely, budget planning in the nature of expense transaction tracking; financial planning; financial management; financial analysis; financial management services, namely, tracking of expenses; financial data aggregation, namely, electronically collecting financial data from multiple accounts into a single location for financial review analysis; financial administration and management services for the management of credit and debit cards, loans, and financial accounts; providing information, news, opinions and advice in the fields of banking, financial management, saving and financial planning and retirement financial planning, including via computer and communication networks, the internet, and social media; providing financial information, news, opinion and advice in the fields of personal budgeting and household budgeting, including via computer and communication networks, the internet, and social media; providing financial information, news, opinions and advice in the field of consumer spending, including via computer and communication networks, the internet, and social media; Personal financial management services, namely, customized management of non-investment personal financial accounts, daily monitoring of transactions and account balances, and budget and spending reporting and analysis through a global computer network; personal financial management that guides users via artificial intelligence in the form of virtual coaches; Financial planning, namely, the creation of personalized strategies to achieve financial independence; Financial counseling services, namely, helping others build a better working relationship with their money;Software as a service featuring software that enables users to view financial information and evaluations; Software as a service providing online personal lifestyle performance assessments and skill enhancement programs based on principles of emotional intelligence, by means of performance tracking, reward and incentive programs; Software as a service for personal financial management; Software as a service for financial transaction management, financial planning, financial management, bill tracking and management, expense tracking and management, and accounting; Software as a service for forecasting and analysis of financial data; Software as a service for providing financial and bill payment alerts; Software as a service for enabling users to wirelessly view personal financial data and databases; Software as a service for enabling users to retrieve financial account balances and financial transaction information using mobile phones, smart phones, tablets, and mobile telecommunication networks; Software as a service for use in processing electronic payments and transferring funds to and from others; Software as a service for personal financial management, namely, customized management of non-investment personal financial accounts, daily monitoring of transactions and account balances, and budget and spending reporting and analysis through a global computer network; software as a service for personal financial management that guides users via artificial intelligence in the form of virtual coaches; providing online non-downloadable artificial intelligence for financial management of personal loans; software as a service providing personalized strategies to achieve financial independence;

SPENDING DIARIES

Providing a website featuring non-downloadable, sharable articles and stories in the field of budget planning, and financial planning;SPENDING;