SMART APPROVAL

PROVIDING ON-LINE NON-DOWNLOADABLE SOFTWARE FOR CONSUMER LOAN APPLICATION AND APPROVAL; PROVIDING TEMPORARY USE OF ON-LINE NON-DOWNLOADABLE SOFTWARE FOR USE IN FACILITATING ON-LINE COMMUNICATION OF CREDIT APPLICATION INFORMATION, CREDIT DECISION INFORMATION, ELECTRONIC PURCHASING CONTRACTS AND ELECTRONIC SIGNATURES USED IN CONNECTION THEREWITH, AND TO FACILITATE OPERATION OF A DECISION ENGINE USED TO PROCESS CREDIT INFORMATION AND ISSUE CREDIT APPROVAL NOTIFICATIONS