Downloadable computer software applications, namely downloadable computer software applications for managing bank accounts; downloadable cellphone software applications, namely downloadable cellphone software applications to allow customers to access bank account information and transact bank business; electronic security token in the nature of a fob-like device used by an authorized user of a computer system to facilitate authentication; computer peripheral devices; blank smart cards; face recognition equipment, namely downloadable computer software for facial recognition authentication, biometric facial scanners; punched card machines for offices; chip card readers; telephone apparatus; computer keyboards