EFX

Commercial information agency services for businesses in the areas of real estate, property valuations, pre-employment screening, energy utilization, motor vehicle reports, consumer marketing, credit information, and life, health, property and casualty insurance; marketing services, namely, market research, market data analysis, consulting services in the area of marketing programs, conducting and analyzing market survey research, providing mailing lists, and direct mail advertising services; target marketing services, namely, providing demographic, socioeconomic and financial information for target marketing purposes, and market analysis; providing information about employment and demographic data

Consulting services in the field of life, health, property and casualty insurance; credit information services, namely, providing credit information relating to consumer or commercial applicants for credit, utility services and employment and to fraud prevention; providing credit application processing; credit inquiry and consulting services; real estate appraisal services; providing an on-line computer database featuring information relating to insurance, credit, and financial data; providing information relating to insurance, credit, mortgage loans and debt management

Educational services, namely, providing seminars relating to credit and money management via the global computer information network