UNIVERSAL DIGITAL BANK

software for use in providing access to banking and financial information; computer software for managing risk and preventing fraud in connection with end-to-end payment operations; software for conducting transactions and inquiries on transactions for use in the field of banking, computer software for conducting banking transactions and inquiries on transactions for use in the field of banking; computer software and user manuals sold therewith for data processing and accounting for use by banks, credit unions, financial institutions, and financial services organizations; book-keeping software; software for facilitating financial transactions by processing bill payments by online banking; computer software related to financial information, investment, and trading, namely, electronic securities trading software and portfolio management software; financial analytical software, financial contact management software, financial risk modeling software; software for providing electronic connectivity to financial exchanges and markets; software for use by individuals to access bank accounts and make financial transactions; computer application software for mobile phones and handheld computers, namely, software for accessing banking and financial information and completing financial transactions

data processing for banking and financial purposes; provision of business information in the field of banking and finance; accountancy services; payroll preparation in the nature of payroll preparation services; auditing services in the field of banking and finance; book-keeping; advice, information, analysis and consultancy services in the field of banking and finance; providing all the aforementioned services on the internet and via the Internet; providing compliance audit services in the nature of business audits, namely, business account auditing in the field of financial management institutions for regulatory compliance purposes

software development services; software as a service (SAAS) services featuring software for use in the field of banking and finance for conducting account transactions, securities trades, research, analysis and portfolio management, monitoring, risk-appetite assessment, and rebalancing activities, all in the fields of finance, investments, and wealth management; software as a service (SAAS) services featuring software in the field of financial compliance and auditing for conducting auditing reviews; software as a service (SAAS) services featuring software for ensuring businesses' compliance with monetary disbursement regulations relating to financial transactions and payment processing services; software as a service (SAAS) services featuring software for book-keeping; software as a service (SAAS) services featuring software for facilitating financial transactions for conducting account transactions, securities trades, research, analysis and portfolio management, monitoring, risk-appetite assessment, and rebalancing activities, all in the fields of finance, investments, and wealth management; software as a service (SAAS) services featuring software for use by individuals to access bank accounts and make financial transactions