E ECHO DATA SYSTEMS

Credit scoring services; credit risk analysis and consultation; credit and risk management services; consumer credit information services; providing to consumers their individual credit rating scores, reports, and histories; financial and credit information provided by electronic means; credit inquiry and consultation; consulting and information services concerning consumer identification verification and prevention of identity theft; financial analysis and consultation; providing online information in the field of consumer credit reporting, real estate appraisal, real property data compiled from public records, insurance, lending, insurance risk management, consumer identification verification, and prevention of identity theft; 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 providing information in the fields of consumer credit, insurance, lending, and insurance risk management; consumer lending services; risk management; computer services, namely, providing a computer database containing information 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, insurance risk management, consumer identification verification, and prevention of identity theft; 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; 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, insurance and lending, and insurance risk management, consumer identification verification, and prevention of identity theft; information services, namely, providing in the field of consumer credit reporting, real estate appraisal and real property data compiled from public records, consumer credit, insurance and lending, insurance risk management, consumer identification verification, and prevention of identity theft; financial analysis and consulting services featuring use of computers in the field of lending, credit and lending risks, consumer credit, insurance and lending, insurance risk management, consumer identification verification, and prevention of identity theft; consultation and information in the field of mortgage/loan processing; providing an online database containing information in the fields of consumer credit reporting, real estate appraisal, and real property data compiled from public records, consumer credit, insurance and lending, insurance risk management, consumer identification verification, and prevention of identity theft; consulting services in the field of lending and insurance risk management and information related thereto, credit and lending risks and information and database management in the fields of consumer credit and insurance