computer systems analysis and consultation; data mining and data warehousing services, namely, using proprietary software to evaluate, analyze and collect data for use in modeling, scoring and analytics, marketing and solicitation, account origination, account management and customer management, risk management, financial risk management, portfolio management, communications management and data management; providing temporary use of online non-downloadable software for use in accessing and searching databases in the fields of modeling, scoring and analytics, marketing and solicitation, account origination, account management and customer management, risk management, financial risk management, portfolio management, communications management and data management; providing temporary use of on-line non-downloadable software for business applications for use in automation, management and maintenance of business rules and business policies; providing temporary online use of non-downloadable software for predictive modeling in the fields of customer marketing, customer business strategy decisions, customer account management and customer risk assessment; providing temporary use of online non-downloadable software for predictive modeling, business rules management, business rules execution and design of business rules and strategy trees, all for use in business decision automation and control systems; development of customized software for others for use in monitoring, tracking business information and retrieval in the field of modeling, scoring and analytics, risk management, marketing and solicitation, account origination, account management and customer management, portfolio management, communications management and data management for others