CREDITGRADES

Financial portfolio management services, namely quantifying the likelihood of gain or loss in expected returns associated with various financial assets and providing investors and financial advisors with an assessment as to said likelihood of gain or loss in expected returns via a global computer network and wireless communications

Application service provider, namely, hosting and delivering software applications that allow users to quantify the likelihood of gain or loss in expected returns associated with various financial assets and to obtain an assessment as to said likelihood of gain or loss in expected returns