DIRECT EXCHANGE

Computer hardware, computer software for use in database management, risk management, in word processing, as a spreadsheet and for facilitating voice, text and pen input; computer operating systems; computer utility programs; computer peripherals; network management programs; computer programs for managing, viewing and editing files, documents, electronic mail messages and private network and global computer network communications; presentation graphics programs, electronic access devices, and the user manuals sold together with all of the foregoing.