Software as a service (SAAS), namely, non-downloadable software leveraging artificial intelligence (A1) and machine learning (ML) to automate the generation and communication of letters, statements, notices, and emails to mortgage and non-mortgage loan customers; Software as a service (SAAS), namely, non-downloadable software to simplify and automate the creation of ad-hoc templates, letters, notices, and emails to support borrower communication with mortgage and non-mortgage loan customers i...