Providing email and instant messaging services; Data communication by electronic mail; Delivery of personalized greeting cards to others via electronic mail; Electronic mail; Electronic mail and messaging services; Electronic mail services; Electronic transmission of mail and messages; Providing e-mail fax services; Providing e-mail notification alerts of rating changes that effect financial portfolios; E-mail data services; E-mail forwarding services; Providing e-mail services; Secure e-mail services; Telecommunications by e-mail; Voice mail services; Wireless voice mail services