Debt recovery and collection services, namely, management, administration, processing, and analyzing of delinquent and defaulted accounts; financial services, namely, business financing services, options contracts and futures contracts, namely brokering and underwriting; financial data services in the nature of evaluation of credit bureau data, consumer provided personal financial data, business provided financial performance data, and financial and personal data required for the creation of risk adjusted financial product offerings, internal client data, third-party data, and government and public records, for purposes of expanding client markets, increasing customer revenue, decreasing operating costs, managing financial portfolios, and mitigating risk, credit card, debit card and bankcard transaction processing services.