UNIVERSAL DIGITAL BANK

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