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COMPUTER SOFTWARE USED FOR PROMOTIONAL PURPOSES BY LOAN OFFICERS MARKETING TO REAL ESTATE AGENTS; NAMELY, SOFTWARE THAT CREATES A DATABASE OF BUYERS, CREATES OPEN HOUSE FINANCE FLYERS, CREATES PROPERLY FLYERS AND CREATES SELLER NET SHEETS MOREOVER, SOFTWARE CALCULATES DOWN PAYMENTS, HOUSE PAYMENTS, CLOSING COSTS, DEBT QUALIFYING RATIOS FOR NEW PURCHASE AND REFINANCE TRANSACTIONS