Downloadable software that allows users to obtain early access to earned wages; downloadable software that allows users to obtain a line of credit for early access to income; downloadable software that allows user to obtain access to cash advances.

Financial services, namely, providing on demand early access to earned wages; Providing a line of credit for early access to income; Financial services, namely, microfinance lending services; Cash advance services; Providing cash advances for online banking customers; Financial services, namely, money lending; Consumer financial services in the nature of providing access to earned wages or other income through short term cash advances or loans