42 Developing and managing application software for electronic messaging, video conferencing, and document collaboration between customer service representatives and customers; Providing technology information in the fields of banking technology, electronic messaging, video conferencing, and online document collaboration; Providing temporary use of online non-downloadable computer application software, namely, online non-downloadable software for electronic messaging, video conferencing, and document collaboration between customer service representatives and customers; Providing temporary use of online non-downloadable computer software for use in facilitating voice over internet protocol (VOIP) calls, phone calls, video calls, text messages, and instant messages