DEBTGUARD MANAGEMENT SYSTEM

Printed educational, instructional and teaching materials used in connection with live, in-home and on-line interactive education, training, testing and certification services in the field of personal money management, use of credit, identity protection, debt management, debt reduction, investment, asset accumulation, and estate planning

Live, in-home and on-line interactive educational programs, training, and educational testing services in the field of personal money management, use of credit, identity protection, debt management, debt reduction, investment, asset accumulation, and estate planning; and issuing course completion certificates in connection therewith