MBANKING

BANKING AND FINANCIAL SERVICES THROUGH THE USE OF MOBILE AND WIRELESS PHONES, DEVICES OR EQUIPMENT, SPECIFICALLY THE FOLLOWING BANKING AND FINANCIAL SERVICES-- AUTHORIZATION AND/OR EXECUTION OF ELECTRONIC PAYMENTS, ACCOUNT TRANSFERS, LOANS, INVESTMENTS, AND OTHER DEBITS AND CREDITS, AND THE ISSUANCE AND/OR DISPLAY OF RECEIPTS OR CONFIRMATION NUMBERS, SLIPS OR REPORTS THEREFORE; LOAN ORIGINATION, DISBURSEMENT AND ADMINISTRATION SERVICES; LOAN APPLICATION AND CONFIRMATION, LOAN CONSUMMATION, DISBURSEMENT OF LOAN PROCEEDS, AND SERVICING DEBT ON A LOAN; MORTGAGE BANKING AND MORTGAGE BROKERING SERVICES; THE RETRIEVAL, DISPLAY OR COMMUNICATION OF INFORMATION OR DATA IN THE PROVISION OF THE FOLLOWING SPECIFIC BANKING AND FINANCIAL SERVICES; BALANCE SHEETS, INCOME AND CASH FLOW STATEMENTS, NET WORTH REPORTS, TRANSACTION AND ACCOUNT HISTORY, BANK STATEMENTS, RECONCILIATION REPORTS, MONEY AND ASSET MANAGEMENT AND ALLOCATION REPORTS, PORTFOLIO AND OTHER INVESTMENT REPORTS, CREDIT REPORTS, AND ANY AND ALL OTHER REPORTS, STATEMENTS, GRAPHS, CHARTS, ANALYSES AND PRESENTATIONS OF ANY AND ALL TYPES OF FINANCIAL INFORMATION, WHETHER FOR PERSONAL, BUSINESS, ORGANIZATIONAL OR OTHER PURPOSES; AND THE MARKETING, PROMOTION, DISTRIBUTION AND/OR SALE OF ANY OR ALL OF THESE SERVICES, AND THE LICENSING OR OTHER USE OF THIS TRADEMARK FOR SUCH PURPOSES OR TO REFER TO SUCH SERVICES, IN ANY AND ALL MEDIA BY ANY MEANS, INCLUDING PRINT AND BROADCAST MEDIA AND ELECTRONIC MEDIA (NAMELY WEB ADVERTISEMENT, E-MAIL, INSTANT MESSAGING, AND SHORT MESSAGING SYSTEMS); IN EACH CASE IN WHOLE OR IN PART THROUGH THE USE OF MOBILE AND WIRELESS DEVICES USED IN WIRELESS AND/OR BANKING BY ONE OF THE CUSTOMER, HIS/HER OR ITS BANK(S) OR FINANCIAL INSTITUTION(S), AND/OR A THIRD PARTY, ANY ONE OR MORE OF WHOM USE MOBILE AND WIRELESS DEVICES-- NAMELY ANALOG CELLULAR AND DIGITAL TELEPHONES, TRI-MOBILE PHONES, OTHER MOBILE TELEPHONES, PERSONAL COMMUNICATION SERVICE DEVICES, PERSONAL DIGITAL ASSISTANTS, SMALL FORM-FACTOR DEVICES, OTHER WIRELESS HANDHELD UNITS, LAPTOP, NOTEBOOK, POCKET, PALMTOP AND OTHER MICRO COMPUTERS, WIRELESS CRMS (CUSTOMER RELATIONSHIP MANAGEMENT UNITS), INSTANT MESSAGING UNITS, E-MAIL UNITS, SHORT MESSAGING SYSTEM (OR SMS) UNITS, AND EQUIPMENT UNDER DEVELOPMENT NOW OR IN THE FUTURE TO REPLACE, SUPPLEMENT OR EXPAND THESE DEVICES; TO ACCESS COMPUTER DATABASES AND SOFTWARE PROGRAMS IN WHOLE OR IN PART THROUGH RADIOWAVE SIGNALS, MICROWAVE TRANSMISSION, RADIO FREQUENCY TRANSMISSION, INFRARED LIGHT BEAMS, LASER BEAMS, OR OTHER TYPES OF WIRELESS DIGITIZED SIGNAL TRANSMISSION, WHETHER VIA SATELLITE COMMUNICATIONS, CELLULAR DIGITAL PACKET DATA OR OTHER CELLULAR TECHNOLOGY, WIRELESS APPLICATION PROTOCOL OR WAP TECHNOLOGY, THIRD GENERATION OR G3 (OR 3G) WIRELESS APPLICATION OR ACCESS TECHNOLOGY, PERSONAL COMMUNICATIONS SERVICES, THE INTERNET, THE WORLD WIDE WEB, PUBLIC OR PRIVATE COMMUNICATIONS NETWORKS, OR OTHERWISE