INCHARGE

Financial services, namely, credit counseling, bankruptcy credit counseling, budgeting, housing counseling and debt management, all of the foregoing provided to individuals; providing information to consumers regarding personal finances, debt management, bankruptcy, and home buying and mortgages; providing information to consumers regarding credit counseling, credit reporting, budgeting, personal finances, debt management, bankruptcy and home buying and mortgages via a global computer network; providing online tools to develop budgets and debt repayment plans, to calculate automobile and home loans and payoffs and credit card payoffs, and for use in personal finance planning, retirement planning, saving and investing

Educational services, namely, conducting classes, workshops and seminars regarding credit counseling, budgeting, bankruptcy, credit reporting, home buying and mortgages, and distributing course materials in connection therewith; educational services in the nature of online classes, workshops and seminars in the field of personal finance and bankruptcy, and distributing course materials in connection therewith