Downloadable computer application software, namely, downloadable software for electronic messaging, video conferencing, and document collaboration between customer service representatives and customers; Downloadable computer software for use in facilitating voice over internet protocol (VOIP) calls, phone calls, video calls, text messages, and instant messages

Developing and managing application software for electronic messaging, video conferencing, and document collaboration between customer service representatives and customers; Providing technology information in the fields of banking technology, electronic messaging, video conferencing, and online document collaboration; Providing temporary use of online non-downloadable computer application software, namely, online non-downloadable software for electronic messaging, video conferencing, and document collaboration between customer service representatives and customers; Providing temporary use of online non-downloadable computer software for use in facilitating voice over internet protocol (VOIP) calls, phone calls, video calls, text messages, and instant messages