Computer software for creating financial spreadsheets, centralizing transaction processing, check clearing, database management for enterprise wide use in banks, insurance, credit unions, and other financial institutions; computer software for use in collecting, integrating and analyzing financial data; in allowing access to banking and investment accounts and insurance policies, in conducting all types of banking and financial transactions, in accessing financial information, banking records and services over computer and communication networks, in conducting calculations to determine foreign exchange rates and for facilitating on-line business transactions, in conducting on-line banking and on-line payment of bills, in portfolio management, in audit and risk management applications, in integrating back office reporting functions, in reconciliation of banking transactions, in accounting, reporting and operational facilities management, all the above in banks and other financial institutions; computer software for performing billing and accounts receivables applications in the insurance industry, for use in the design and implementation of insurance policies; computer software for use in online securities trading and management; computer software which allows users to perform electronic commerce for banks and other financial institutions

Computer software services, namely analyzing, designing, creating, implementing and maintaining computer software systems and websites for others; computer system analysis; troubleshooting, and maintenance; customization and installation of software applications for others; integration of computer systems and networks; computer disaster recovery planning; data encryption services; database development services; developing, hosting and linking of websites on a global information network; all for use in commercial interactions over global computer networks; all the above for others, including firms, individuals and corporate bodies