Computer software for use in credit application processing; computer software for account management; computer software for use in rendering business and financial information; graphical user interface software for use with various database software; computer software which acts as a decision support system for determining account origination; software used for monitoring, tracking, detecting and preventing fraud in the use of credit transactions and other types of fraud in connection with credit grantors and financial and lending institutions; scorecard development, score computation, scorecard management and strategy support software for use in making credit, lending and insurance decisions; computer programs in the field of investment and risk analysis for financial institutions, namely, asset and liability analysis of current performance measurements and risk management projections and queuing and case management software; Computer software in the field of credit scoring for use in creating and implementing business decision processes, risk management, evaluating credit ratings, score computation, score strategy and management and credit marketing in the field of financial services, insurance, telecommunications and retail industries; software and enterprise software applications 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; 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; providing downloadable online newsletters in the fields of modeling, scoring, and analytics, financial information, risk analysis, risk management, credit scoring, credit management, and statistical and economic forecasting and analysis, fraud, and business decision processes and management

Printed publications, namely, user manuals for computer software, customer training manuals, and research publications in the nature of newsletters, all in the field of financial information and risk analysis; Publications and printed materials, namely, brochures, booklets, manuals, pamphlets, periodicals, newsletters, leaflets, informational sheets, and guides in fields of modeling, scoring, and analytics, financial information, risk analysis, risk management, credit scoring, credit management, and statistical and economic forecasting and analysis, fraud, and business decision processes and management

Computerized database management in the fields of modeling, scoring and analytics, marketing and solicitation, account origination, account management and customer management, risk management, portfolio management, communications management and data management; Economic forecasting and analysis, namely, statistical forecasting and analysis; Statistical forecasting and analysis for business purposes; Business management consultation, preparing business reports and business management consultation; Direct mail advertising on behalf of others, dissemination of advertising matter; Cooperative advertising and marketing; Economic and statistical forecasting and analysis for business purposes; Business consultation; Data marketing services, namely, providing statistical reports and marketing data evaluation for others by means of computer; Computerized database management and data processing services in the field of merge or purge mailing list reconciliation; Providing statistical information for mortgage eligibility through a rating system; Business information services; 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

Credit scoring services; Credit risk management services; Financial information provided by electronic means; Financial analysis and consultation, financial management, financial information provided by electronic means, financial risk management, insurance consultation, consultation in debt recovery and collection; Financial portfolio management; 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 and financial and lending institutions, 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 systems (MIS) and organizational structure; Information services in the field of credit scoring, customer credit evaluation and customer collections; Statistical forecasting and analysis for financial purposes

Electronic information storage in the field of modeling, scoring and analytics, marketing and solicitation, account origination, account management and customer management, risk management, portfolio management, communications management and data management

Education and training services in the nature of classes, seminars, and workshops in the fields of modeling, scoring and analytics, marketing and solicitation, credit risk management, account origination, account management and customer management, risk management, portfolio management, communications management and data management; Educational services, namely, conducting classes, seminars, and conferences in the field 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 education forums via e-mail, website, 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; Providing online newsletters in the fields of modeling, scoring and analytics, financial information, risk analysis, risk management, credit scoring, credit management, and statistical and economic forecasting and analysis, fraud, and business decision processes and management

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; Computer services, namely, 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; Computer systems analysis and consultation; Web-site hosting services; Computer programming and software design and development; Providing temporary use of on-line non-downloadable software for business applications for use in automation, management and maintenance of business rules and business policies; providing temporary online use of 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 searching and 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 for others, all on computer networks for others; Cloud computing featuring 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; Cloud computing featuring 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, insurance companies, insurance providers and insurance payors; Cloud computing featuring software for use in predictive modeling in the fields of customer marketing, customer business strategy decisions, customer account management and customer risk assessment; Cloud computing featuring software for use in 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; Computer services, namely, cloud hosting provider services; Consulting services in the field of cloud computing; Data mining services and database warehousing services in the nature of data warehousing in the fields of modeling, scoring and analytics, marketing and solicitation, account origination, account management and customer management, risk management, portfolio management, communications management and data management; Retrieving information in the field of modeling, scoring and analytics, marketing and solicitation, account origination, account management and customer management, risk management, portfolio management, communications management and data management on computer networks for others; Electronic storage of information in the field of modeling, scoring and analytics, marketing and solicitation, account origination, account management and customer management, risk management, portfolio management, communications management and data management

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