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Computer programs, downloadable computer programs and mobile device software to automate savings and/or investing based on spending patterns, to automate transfer of funds, and/or to automate allocation of funds to investments at regular intervals

Financial services, namely, automating savings and/or investing based on spending patterns, automating transfer of funds, and/or automating allocations of funds to investments at regular intervals

Providing temporary use of non-downloadable computer software to automate savings and/or investing based on spending patterns, to automate transfer of funds, and/or to automate allocations of funds to investments at regular intervals