ARRO

Financial services, namely, providing a credit card program, namely, issuing of credit cards; Financial services, namely, issuing of credit cards designed especially for individuals who would be deemed risky based on their credit scores by utilizing cash flow underwriting to assess risk; Financial services, namely, issuing of credit cards designed especially for individuals with low to no credit score or zero credit availability; Financial services, namely, issuing credit cards based on cash flow underwriting; Financial services, namely, providing cash flow underwriting for purposes of issuing lines of credit to individuals; Financial services, namely, providing cash flow underwriting for purposes of issuing lines of credit to individuals with little to no credit score or zero credit availability; Credit card services, namely, credit card authorization services, credit card factoring services, credit card payment processing services, credit card transaction processing services, issuing of credit cards, financial administration of credit card accounts, processing and transmission of bills and payments thereof

Educational services, namely, providing a credit education program in the field of banking, credit, credit scores, credit score improvement, credit consulting, money management, money saving, debt management, and budgeting; Coaching in the field of personal finance, financial coaching, financial planning, money management, investing, debt relief strategies, and budgeting; Educational services, namely, providing lessons relating to banking, credit, credit scores, credit score improvement, credit consulting, money management, money saving, debt management, and budgeting specifically directed to individuals with low to no credit score or zero credit availability