Computer software for use in business applications, namely, for use in information management, information processing, information and database management, for compiling marketing demographics, for making mailing lists, for verifying consumer credit, for insurance risk management, for lending and insurance risk management, and for database management and the management of the data and Information of others, and printed material, namely, documentation and instruction manuals, all sold as a unit therewith; computer software to perform computerized print and data selection, arrangement and presentation, in the fields of consumer credit reporting and real estate appraisals, and for use in connection with real property data compiled from public records, marketing demographics, and mailing lists.

Providing credit, credit risk and fraud detection information by various means, namely, by providing reports, printouts, printed labels, electronic lists, reports and data, CD ROM, magnetic tape and computer disks, and via computer-to-computer transmission of data and email, all featuring computerized print and data selection, arrangement, presentation and distribution in the field of marketing demographics and mailing lists; business management and consulting; business and consumer information services in the field of management of information and data of others; providing marketing demographics and preparing mailing lists; consulting and Information services concerning consumer credit information; consulting and providing business information in the field of computers; computerized management of information and data for others; research services, namely, providing business and market research, and market analysis services; commercial information and directory agencies; preparing business reports; demographic consultation; providing an on-line computer database on the subject of marketing demographics and mailing lists, which features information concerning computerized print and data selection, arrangement, presentation, and distribution of that information; providing an on-line interactive computer database in the fields of marketing demographics and mailing lists; and providing an on-line computer database in the field of marketing demographics and mailing lists, business consulting services, business marketing and management consulting services, computerized database management and direct mail marketing services.

Financial and credit information provided by electronic means; credit inquiry and consultation; financial analysis and consultation; information services, namely, providing reports, printouts, printed labels, electronic lists, reports and data, computer-to-computer transmission of data, e- mail, CD ROMS, magnetic tape and computer disks all concerning computerized print and data selection, arrangement, presentation and distribution in the field of consumer credit reporting, real estate appraisal, real property data compiled from public records, pre-employment screening, credit fraud victim assistance, credit fraud detection and prevention, insurance, lending and insurance risk management; consulting and information services concerning financial data and statistics for use by lenders, financial institutions and Insurance companies; credit and financial information reporting services provided by computer and on-line means and business and consumer information services in the fields of consumer credit, insurance, pre-employment screening, credit fraud detection and prevention; lending and insurance risk management; computer services, namely, providing a computer database containing information concerning computerized print and data selection, arrangement, presentation and distribution in the fields of commercial and consumer credit reporting, real estate appraisal, and real property data compiled from public records, consumer credit, insurance and lending, and insurance risk management; providing an interactive computer database In the field of commercial and consumer credit reporting, real estate appraisal and real property data compiled from public records; consumer credit, insurance and lending, and insurance risk management, providing an interactive computer service, namely, providing a computer database in the fields of commercial and consumer credit reporting, real estate appraisal and real property data compiled from public records, consumer and commercial credit, pre-employment screening, credit fraud detection and prevention, insurance and lending, and insurance risk management; information services, namely, providing reports, printouts, printed labels, electronic lists, reports and data, computer-to-computer transmission of data, e-mail, CD ROMS, magnetic tape and computer disks concerning computerized print and data selection, arrangement, presentation and distribution in the field of consumer credit reporting, real estate appraisal and real property data compiled from public records, consumer credit, Insurance and lending, and insurance risk management; consulting services featuring use of computers In the fields of lending and information management and information related thereto, namely, information technology, information management, Information processing, credit and lending risks, and information and database management in the fields of consumer credit, insurance and lending, and Insurance risk management; and real estate and mortgage services, namely property inspections and evaluations flood compliance, property and title searches, and mortgage/loan processing assistance.

Computer services, namely, providing an on-line computer database and on-line temporary use of related non-downloadable software tools, which enable the user to design and customize the selection, arrangement, presentation, printing and distribution of data, for use in the fields of consumer credit reporting, real estate appraisal, real property, consumer credit, Insurance, lending, and insurance risk management; consulting services in the field of computers for use in lending and insurance risk management and providing Information related thereto, namely, on information technology, information management, and on information processing; computer consulting and information technology consulting; consulting services In the field of electronic commerce, namely, in using information technology to establish and maintain on-line commerce.

Financial affairs; monetary affairs; credit information services; credit agency services; credit agency services; credit assessment services; advisory services relating to credit; credit management services; credit counseling services.;

Tobacco and tobacco products, including smoking tobacco, pipe tobacco, cigars, cigarillos and cigarettes, smoking pipes, smoker's articles, lighters and matches

Computer software for financial risk management and measurement; computer software for organizing and consolidating financial information regarding ratings of securities and rating the credit worthiness of bonds and other securities; computer software for use in financial analysis, credit-risk assessment for commercial lending and commercial credit risk management and measurement; computer software for data warehousing in the financial field; namely, software for organising and operating a system for storing, retrieving and managing large amounts of any type of data in the financial field.

Financial services relating to strategic risk management and measurement; financial consulting; financial consulting concerning financial risk management and measurement; financial services related to organizing and consolidating financial information regarding ratings of securities and rating the credit worthiness of bonds and other securities; financial services related to financial analysis, credit-risk assessment for commercial lending and commercial credit risk management and measurement.

Providing web-based services to allow users to gain access to and/or download computer software for financial risk management and measurement.

Insurance; financial affairs; monetary affairs; real estate affairs.