POWERING THE WORLD WITH KNOWLEDGE

Commercial information agency services for businesses in the areas of real estate, property valuations, pre-employment screening, energy utilization, motor vehicle reports, consumer marketing, credit information, risk assessment, identity verification, collections and debt recovery, regulatory compliance, and life, health, property and casualty insurance; marketing services, namely, market research, market data analysis, consulting services in the area of marketing programs, conducting and analyzing survey research, providing mailing lists, direct mail advertising services, and providing demographic, socioeconomic and financial information for target marketing purposes; updating and maintenance of data in computer databases in the field of accounting, billing and debt collection; conducting investigations and reporting on individuals and firms concerning credit, character and finances in connection with insurance, credit, employment and claims reporting services; providing information relating to commercial business management via a computer database; providing information about employment and demographic data; employee relations business management services for the businesses of others, namely, employment and income verification services; providing employee self-service electronic means for reporting time or work accomplished and access to compensation, benefits and tax reporting information and electronic means for updating direct deposit and tax withholding compensation preferences; business management consulting services for the management and processing of unemployment claims, costs and taxes; commercial information services, namely providing information about the personal identification data, name, location, age, and employment of individual consumers, via a computer database; business consultancy and advisory services relating to managing customer relationships; commercial information agency services for businesses, namely, compiling consumer demographic, lifestyle and behavioral data; business management services, namely, account billing, monitoring and collecting.

Consulting services in the field of life, health, property and casualty insurance; credit inquiry and consulting services; credit information services, namely, providing credit information relating to consumer or commercial applicants for credit, mortgage loans, utility services and employment, and fraud prevention; credit evaluation, decisioning, analysis and alert services; providing credit application processing; credit inquiry and consulting services; real estate appraisal services; information services, namely, providing credit information via a global network; providing financial data, namely, providing information relating to insurance, credit, financial data, wealth and affluence classification, mortgage loans, and related information gleaned from motor vehicle and driving history records, and to debt servicing; insurance risk information reporting services concerning potential policy holders; evaluation of credit bureau data; evaluation of consumer credit data, namely, providing customers with point of sale consumer information and consumer identification; financial services, namely providing credit grantors with updated consumer credit information; financial services, namely, providing historical credit scoring, financial analysis and reports relating thereto, delinquency predictions and management, identity verifications, and credit risk management for others through the design of custom models for predicting credit usage patterns and trends; financial risk services for others, namely, financial risk analysis and strategic financial risk advisory services; financial consulting services in the fields of account origination and portfolio management; providing estimates and indices to determine creditworthiness by classifying individuals according to wealth, affluence, financial capacity and risk management; providing financial analyses and credit information via a database; providing information relating to insurance, credit, financial data, mortgage loans, and employment, and relating to motor vehicle reports, and to debt servicing via a database; providing information relating to insurance, credit, mortgage loans and debt management; check authorization and check payment warranty services; risk management; debt collection and credit recovery services; delinquency management solutions; income and employment verification services; mortgage default management; mortgage loan origination services; mortgage marketing and acquisition services; mortgage portfolio optimization; property data and analytics, namely, financial valuation of personal property and real estate; tax management services.

Managed service provider, application service provider, software as a service (SAAS), and hosted services featuring non-downloadable software in the fields of fulfillment, credit processing, risk analysis, identity verification, financial data analysis, demographic analysis, risk modeling and analytics, credit reporting, credit letter generation, credit score and hypothetical credit score decisioning and analysis, credit marketing and account management, wealth and affluence classification, fraud protection and wealth and affluence classification registry; platform as a service (PAAS) featuring computer software platforms for use in connection with evaluating credit and other financial data as risk predictors, financial credit risk modeling and analytics, credit score analysis; platform as a service (PAAS) featuring computer software platforms for the processing of ecommerce transactions that verify the identification and authentication of the mobile user for fraud prevention, the provision of financial data, and the capability to prescreen and extend offers of credit and market to ecommerce consumers through the use of ecommerce customer data and analytical tools; application service provider (ASP) featuring software in the field of credit application processing, risk analysis, identify verification, consumer, non-regulated, and commercial reporting-agency data analysis, credit risk modeling and analytics, credit letter generation, credit score and hypothetical credit score decisioning and analysis, and credit fraud protection; providing temporary use of non-downloadable software for business management services in the nature of processing automated applications, managing accounts, and assessing business risk based on information from commercial credit providers; hosting computer databases containing information relating to applicants for insurance, credit, mortgage loans, and employment, and relating to motor vehicle reports, to debt servicing, and to demographic, socioeconomic and financial data for target marketing; conducting and analyzing safety and loss control surveys.

Monitoring of credit reports, the internet, and public records to facilitate the detection and prevention of identity theft and fraud; providing databases of information about fraud and identity theft protection; fraud alert services, namely, monitoring consumer credit reports and providing an alert as to any changes therein.