STANDS FOR EXPERIENCE.

Computer software, and instruction manuals for use therewith, in the fields of modeling, scoring and analytics, marketing and solicitation, account origination, account management and customer management, risk management, portfolio management, communications management and data management.

Guides in the field of modeling, scoring and analytics, marketing and solicitation, account origination, account management and customer management, risk management, portfolio management, communications management and data management; manuals in the field of modeling, scoring and analytics, marketing and solicitation, account origination, account management and customer management, risk management, portfolio management, communications management and data management; newsletters in the field of modeling, scoring and analytics, marketing and solicitation, account origination, account management and customer management, risk management, portfolio management, communications management and data management; brochures about modeling, scoring and analytics, marketing and solicitation, account origination, account management and customer management, risk management, portfolio management, communications management and data management; booklets about modeling, scoring and analytics, marketing and solicitation, account origination, account management and customer management, risk management, portfolio management, communications management and data management; teaching materials in the field of modeling, scoring and analytics, marketing and solicitation, account origination, account management and customer management, risk management, portfolio management, communications management and data management.

Database management; information storage and retrieval in the field of modeling, scoring and analytics, marketing and solicitation, account origination, account management and customer management, risk management, portfolio management, communications management and data management; business consultation; management consultation; direct mail advertising (on behalf of others); dissemination of advertising for others via an on-line electronic communications network; dissemination of advertising matter; cooperative advertising and marketing.

Financial information provided by electronic means; risk management; insurance consultation; debt recovery and collection; financial portfolio management.

Education in the field of modeling, scoring and analytics, marketing and solicitation, account origination, account management and customer management, risk management, portfolio management, communications management and data management; training in the use of modeling, scoring and analytics, marketing and solicitation, account origination, account management and customer management, risk management, portfolio management, communications management and data management.

Computer services, namely, leasing access time to computer databases in the field of modeling, scoring and analytics, marketing and solicitation, account origination, account management and customer management, risk management, portfolio management, communications management and data management; web-hosting services.