COGNI

Financial services, namely, cash management, namely, facilitating transfers of electronic cash equivalents; Digital currency exchange transaction services for transferrable electronic cash equivalent units having a specified cash value; Personal and small business financial management services; Online banking; Financial transaction services, namely, budget planning in the nature of income and expense transaction tracking; Bill payment services in the nature of scheduling and payment of bills; Financial management services, namely, tracking of personal and business 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, and financial accounts; Electronic payment services, namely, receipt, processing and payment of bills, issuance of personal payments; Providing bill payment and tax payment processing services via computer and communication networks; Money transfer services