computer programs for use in use in financial applications, namely, managing, planning, organizing, and structuring personal finances, asset allocation, cash management, electronic commerce and bill presentment; for use in connecting to a global network; and for use in the personalization of services, namely, banking, insurance, brokerage, customer support and advertising

computer services, namely, providing online management, planning, organization, and structuring of user's personal finances, asset allocation, cash management, electronic commerce and bill presentment