Downloadable computer application software for mobile phones and other handheld devices, namely, software for enabling consumers to access and manage their bank accounts, manage their debit and credit cards and usage, conduct bank transactions, seek investment advice, complete banking related intents and actions, provide data regarding preferences to customize their experience with the application, receive information and promotions from their bank relating to their preferences and to provide a concierge service to consumers; Downloadable computer software for creating a personalized banking experience by personalized account management, creating customized products and services based on consumer preferences and personal data and experiences that consumers share; Downloadable computer software using artificial intelligence, text recognition and natural language understanding for communicating with online banking customers; Downloadable mobile applications to facilitate interaction with customers in the digital engagement, conversational commerce, messaging, artificial intelligence, bots and automation, and customer engagement fields; Downloadable mobile applications for facilitating interaction, connections, and conversations, both via human and automated chat, between users in the digital messaging, digital chat, and customer engagement fields

Instant messaging services; Interactive online communication services, namely, providing on-line facilities for real-time interaction between businesses and their customers and potential customers

Software as a service (SaaS) services featuring software for enabling consumers to access and manage their bank accounts, manage their debit and credit cards and usage, conduct bank transactions, seek investment advice, complete banking related intents and actions, provide data regarding preferences to customize their experience with the application and receive promotions from their bank regarding their preferences and to provide a concierge service to consumers; Software as a service (SaaS) services featuring software for enabling a personalized banking experience by personalized account management, creating customized products and services based on consumer preferences and personal data and experiences that consumers share; Software as a service (SaaS) services featuring software for web-based access to applications and services for customers to manage their bank accounts, manage their debit and credit cards and usage, conduct bank transactions, seek banking and investment advice; Software as a service (SaaS) services featuring software using artificial intelligence, text recognition and natural language understanding for communicating with online banking customers; Software as a services (SAAS) services featuring software for providing interactive message services for customers; Software as a service (SAAS) services featuring software for facilitating interaction, connections, and conversations between users in the digital engagement, conversational commerce, messaging, artificial intelligence, bots and automation, and customer engagement; Software as a service (SaaS) services featuring software for online social networking; Software as a service (SaaS) services featuring software for concierge services in the nature of providing personalized and customized communications, customer support, features and offers based on consumer preferences and data collected from the user, namely, travel offers, restaurant offers, offers relating to personal services, offers for sales on third party goods and services, and offers on reservations, gifts, and experiences, as well as customer support; Software as a Service (SaaS) services featuring software for facilitating interaction, connections, and conversations, both via human and automated chat, between users in the digital messaging, digital chat, and customer engagement fields