EFX

Commercial information agency services for businesses in the areas of real estate, property valuations, pre-employment screening, 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; employee relations business management services for the businesses of others, namely, employment and income verification services; providing employee self-service electronic means for reporting time or work accomplished and access to compensation, benefits and tax reporting information and electronic means for updating direct deposit and tax with holding compensation preferences; business management consulting services for the management and processing of unemployment claims, costs and taxes; business management services, namely, processing and management of unemployment claims for the businesses of others, account billing, monitoring and collecting; and data processing services in the field of account billing, monitoring and collecting

Consulting services in the field of life, health, property and casualty insurance; consulting services in the field of account origination and portfolio management; credit information services, namely, providing credit information relating to consumer or commercial applicants for credit, mortgage loans, 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, financial data, mortgage loans, and employment, and relating to motor vehicle reports, and to debt servicing; credit evaluation, analysis and alert services; and providing information relating to insurance, credit, mortgage loans and debt management; and excluding foreign exchange services and money market trading services

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

Managed service provider, application service provider, and hosted services featuring software in the field of credit application processing, risk analysis, identity verification, data analysis, risk modeling and analytics, decisioning and analysis, and fraud protection