ZENBUSINESS PBC

JOUST

Online banking services accessible by means of downloadable mobile applications and internet webpages;Software as a service (SAAS) services featuring software for use by other users to complete purchases and for use by businesses and financial institutions for account management and reconciliation; computer security services for protecting data and information from unauthorized access, namely, data encryption services for providing security and anonymity for electronically transmitted credit card transactions and providing authentication, issuance, validation and revocation of digital certificates in the fields of banking, electronic funds transfer, credit and debit card and electronic financial transactions;

PAYARMOUR

Downloadable software in the nature of a mobile application for providing cash advances, financing of loans, credit card transaction processing, invoice cash advances, and loan financing assistance for independent contractors, freelancers, sole proprietors, and small and medium sized businesses;PAY ARMOUR;Providing credit risk rating services; underwriting services, namely, development of credit risk scores and public trust scores; invoice financing, namely, debt recovery and factoring services; loan assistance services, namely, installment loans and lending against security; all of the aforementioned services provided by means of a website and mobile application, and provided for independent contractors, freelancers, sole proprietors, and small and medium sized businesses;Platform as a service (PAAS) services featuring software for use by other users at independent contractors, freelancers, and small and medium sized businesses for accessing information relating to commercial financial transaction data, account management, data operations, financial reporting, accounting features, credit, invoice advances, loan assistance, and related reference information;