ETHOS

Cellular telephones; computer communications software to allow customers to access bank account information and transact bank business; magnetically encoded debit and credit cards

Bank checks; brochures in the field of credit management, financial planning and banking services; instructional materials in the field of credit management, financial planning and banking services

Retail store services featuring cellular telephones; on-line retail store services featuring cellular telephones

Credit card services; debt counseling services; credit reporting services; banking services; bill payment services; investment services, namely asset acquisition, consultation, development and management services; accepting and administering monetary charitable contributions; telephone calling card services

Cellular telephone services; electronic data transmission; providing payment for goods and services by means of wireless telecommunications devices

Educational services, namely mentoring and tutorial sessions in the field of banking, credit and financial management