Computerized database management; business information services; economic and statistical forecasting and analysis; business consultation; preparing business reports and management consultation; data marketing services, namely, providing statistical reports and marketing data evaluation for others by means of computer; providing statistical information for mortgage eligibility through a rating system; direct mail advertising (on behalf of others); dissemination of advertising matter; cooperative advertising and marketing; business services, namely, providing predictive modeling in the fields of marketing strategies, marketing communications and marketing campaigns; providing predictive modeling services to facilitate customer risk assessment and customer account management, business information retrieval in the field of modeling, scoring and analytics, credit risk management, risk management, marketing and solicitation, account origination, account management and customer management, portfolio management, communications management and data management, in international class 35

Credit scoring services; credit risk management services; financial analysis and consultation; financial information provided by electronic means; providing information in the fields of credit rating in the nature of modeling, scoring and analytics; risk management; financial portfolio management; providing information about credit scores and credit management; financial management; consultation on debt recovery and collection; financial and insurance risk analysis services, namely, scorecard development, computation and management; evaluating credit risks through use of algorithms; evaluation of credit risk data to determine mortgage risk; evaluating credit bureau data for credit grantors, financial and lending institutions, and insurance companies, insurance providers and insurance payors; credit bureau score updating services; small business credit risk scoring services; consultation services in the field of financial information; financial consulting services in the field of portfolio risk and profits for consumer credit lenders, namely, product planning, account acquisition, management and collections, and management information system (MIS) and organizational structure; information services in the field of credit scoring, customer credit evaluation and customer collections, providing information via an on-line newsletter namely in the fields of modelling, scoring, and analytics, financial information, risk analysis, risk management, credit scoring, credit management, and statistical information and economic forecasting and analysis, fraud, and business decision processes and management, in international class 36

Educational services in the field of risk management for consumer credit lenders, namely, conducting seminars and in-house training; education and training in the fields of modeling, scoring and analytics, marketing and solicitation, account origination, account management and customer management, risk management, credit risk management, portfolio management, communications management and data management in the nature of classes, seminars and workshops; educational services, namely conducting classes, seminars, and conferences in the nature of creation and execution of business decision processes using analytical models, data management and software for marketing, customer management and business management; educational services, namely, conducting e- mail, website, public educational forums, and conferences in the use of scoring and analytics, and credit risk management; educational services in the field of risk management for consumer credit lenders, namely, the conducting of seminars and in-house training, in international class 41

Computer programming and software design and development; computer systems analysis and consultation; web-hosting services; data mining and data warehousing services, namely, using proprietary software to evaluate, analyze and collect data for use in modeling, scoring and analytics, marketing and solicitation, account origination, account management and customer management, risk management, credit risk management, portfolio management, communications management and data management; providing temporary use of online non-downloadable software for use in accessing and searching databases in the fields of modeling, scoring and analytics, marketing and solicitation, account origination, account management and customer management, risk management, credit risk management, portfolio management, communications management and data management; providing online access to non-downloadable software for business applications for use in automation, management and maintenance of business rules and business policies; providing online access to non-downloadable software for predictive modeling in the fields of customer marketing, customer business strategy decisions, customer account management and customer risk assessment; providing temporary use of online non- downloadable software for use in monitoring, tracking, detecting, preventing and managing fraud in credit transactions, identity theft and other types of fraud in connection with credit grantors, financial and lending institutions, and insurance companies, insurance providers and insurance payors; providing temporary use of online non-downloadable software for predictive modeling, business rules management, business rules execution and design of business rules and strategy trees, all for use in business decision automation and control systems; development of customized software for others for use in monitoring, tracking, detecting, preventing and managing fraud; business information storage in the field of modelling, scoring and analytics, credit risk management, risk management, marketing and solicitation, account origination, account management and customer management, portfolio management, communications management and data management, in international class 42

Fraud detection services using data warehousing, data mining and predictive modeling software, all for use in monitoring, tracking, detecting, preventing and managing fraud and identity theft in the fields of credit fraud, credit card fraud, debit card fraud, check fraud, identity theft, mortgage fraud, and banking fraud, in international class 45

Consultation services in the field of financial information; credit scoring services; financial analysis and consultation; financial information; financial risk management; consultation on debt recovery and collection

Providing temporary use of online non-downloadable software for use in creating and implementing decision processes using modeling, scoring and analytics in the fields of marketing and customer solicitation, account origination, customer account management, risk management, portfolio management, and fraud management; computer system analysis and consultation services; computer software designing services; providing access to searchable databases for data analysis in the fields of credit scoring, risk management and portfolio management; web-hosting services; data mining and collection services using proprietary software to evaluate, analyze, collect and warehouse data; data conversion of computer programs and data