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Communication hubs; Communication software for providing access to the Internet; Communications servers; Communications software for connecting computer network users into one social media; Computer communications software to allow customers to access bank account information and transact bank business; Computer software for communicating with users of hand-held computers; Computer software for the databasing, visualization, manipulation, virtual reality immersion and integration of geographic information with on-line member communities; Electronic communications systems comprised of computer hardware and software for the transmission of data between two points