VERITAS

business risk management consultation for the financial services industry; business risk assessment services for the financial services industry; business management consulting with relation to strategy and risk management for the financial services industry, using analytical and statistical models for predicting and analyzing fraud and loan defaults, loss and prepayment, consumer financial product consumption trends and actions; providing a financial index in the nature of quantitative measurements for analyzing consumer trends and actions

financial risk management consultation; financial risk assessment services; financial portfolio analysis services; financial risk consulting with relation to strategy and risk management, using analytical and statistical models for predicting and analyzing fraud, financial operations risk, loan default, loss and prepayment, and distressed loan treatment; valuation of distressed and performing loans; financial due diligence services for lenders and loan originators; providing a database for analytics driven loan monitoring and providing warnings and alerts via e-mail of changes in loan status; providing recommendations regarding managing loans and loan strategy development services; providing financial risk mitigation and financial due diligence services for the financial industry, namely, financial predictive analytics, financial statistical analyses of risk, financial advisory services

providing temporary use of online non-downloadable computer software programs for risk mitigation and due diligence services in the financial industry