IT'S JUST A SMARTER WAY TO DO BUSINESS

Computer software and instruction manuals, sold as a unit, for use in creating and implementing decision processes using modeling, scoring, and analytics in the fields of marketing and solicitation, account origination, account management and customer management, risk management, portfolio management, communications management, and data management, communications software for connecting global computer networks; computer software development tools for use in creating and implementing decision processes using modeling, scoring, and analytics in the fields of marketing and solicitation, account origination, account management and customer management, risk management, portfolio management, communications management, data management, and fraud management

Printed guides, manuals and teaching materials for use in the creation and execution of business decision processes using analytical models, data management and software for marketing, customer management and business management

Computerized database management, business information services and data processing services for use in creating and implementing decision processes using modeling, scoring and analytics in the fields of marketing and solicitation, account origination, account management and customer management, risk management, portfolio management, communications management and data management; statistical forecasting and analysis; business management consultation; and 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 nature of creation and execution of business decision processes using analytical models, data management and software for marketing, customer management and business management

Computer services, namely, providing temporary use of online non-downloadable software for use in creating and implementing decision processes using analytical models, data management and software for marketing, customer management and business management and accessing and searching data bases using modeling, scoring and analytics in the fields of marketing and solicitation, account origination, account management and customer management, risk management, portfolio management, communications management and data management; computer systems analysis and consultation; web-hosting services; data mining and collection services using proprietary software to evaluate, analyze, collect and warehouse data for use in the creation and execution of business decision processes using analytical models, data management and software for marketing, customer management and business management using modeling, scoring and analytics in the fields of marketing and solicitation, account origination, account management and customer management, risk management, portfolio management, communications management and data management

Consultation in the identification of fraud