CLAYTON

Computer programs for business and real estate uses, namely, processing spreadsheets, databases, and ASCII files, including loan level conversion; formatting date and numeric information such as closing dates, maturity dates, coupons, and balances; calculation of loan-to-value ratios, terms and weighted averages; automation of merging portfolios and applying updates from services; portfolio reporting for prospectus preparation; data integrity checking; agency benchmark edit checking; and, asset pooling, pricing, and submission to rating agencies, all for use in the field of mortgage portfolio and mortgage data analysis