INTERCEPT

credit risk management; investment, investment portfolio, loan, and loan portfolio screening, ranking and reporting services for assessing and predicting quality and value of loans and investments, assessing and predicting risk and performance of investment or loan over time, facilitating targeted financial due diligence, namely, reviewing for others loan documentation for loans issued by others to identify those in risk of default; developing default and loss estimation models for others, developing loss mitigation effort strategies associated with poor performance of loan or investment for others, namely, reviewing loan documentation of loans issued by others to identify poor risks and consulting with others regarding financial steps that can be taken to avoid default, and developing loss reserve requirements for future loan performance for others