Abstract: The subject personalized consumer advertising/ad placement system provides the ability for advertisers, ad agencies, and any other applicable organization to determine and electronically present their “ideal” consumer profile and have their advertisement/promotion placed in front of all consumers who match the profile based on the anonymous mining of the consumers actual spending across a broad base of spending categories. Additionally, customer-to-bank communication is facilitated via a social network application that permits a customer to communicate with a bank employee while being presented with highly targeted content by the bank via a third party advertisement presenter.