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Downloadable software in the nature of a mobile application for social networking, namely, software that allows users to create personal profiles containing information about themselves, write and share posts containing rich media, namely, photos, audio, video, links, advertisements and articles, search the platform in order to find and see other users' profiles, "follow" those users to receive updates about their shared rich media posts, or to find rich media posts on a subject, send direct or private messages consisting of rich media to an individual user or to a group of users, in a short message format, see subject-based areas where they can engage in discussions with other users, and optionally bookmark posts for later retrieval; downloadable software in the nature of a mobile application that allows the electronic transfer of money between users; downloadable software in the nature of a mobile application that allows users to store funds in a digital "wallet"