42 Providing temporary use of on-line non-downloadable software, namely, software for personal financial management, online banking, transaction management, financial planning, financial management, bill tracking and management, expense tracking and management, accounting, taxable item tracking and management, creating reports and graphs, forecasting and analysis of data, data aggregation, providing banking alerts, providing wireless access to data and databases, enabling users to retrieve financial account balances and financial transaction information, investment management and tracking, and bill payment