FICO - THE SCORE LENDERS USE

Computer software and instruction manuals, sold as a unit, for use in creating and implementing decision processes using modeling, scoring and analytics

Printed guides, instruction manuals and teaching materials in the fields of modeling, scoring and analytics

Business information services for use in creating and implementing decision processes using modeling, scoring and analytics; Statistical forecasting and analysis; Business management consultation; Preparing business reports

Financial analysis and consultation; Financial information provided by electronic means; Credit and risk management; Insurance consultation; Consultation in debt recovery and collection; Financial portfolio management

Educational services, namely conducting classes, seminars, and conferences in the fields of modeling, scoring and analytics

Computer services, namely, providing temporary use of online non-downloadable software for use in creating and implementing decision processes and in accessing and searching databases in the fields of modeling, scoring and analytics; Web-hosting services; Data mining and collection services using proprietary software to evaluate, analyze and collect data for use in modeling, scoring and analytics; Electronic warehousing of data for use in modeling, scoring and analytics