Affirmative Technologies, Inc. - Produces software to electronically collect NSF checks through the ACH. Merit Systems, Inc. - Sells Creditbase software that allows businesses to access credit reports. Teledata Communications, Inc. - Manufactures terminals and Windows software to access credit bureau reports. DAKCS Software Systems, Inc. - Debt recovery software for collection agencies, medical facilities, utilities, and credit bureaus. Uni-Source 2000, Inc. - Credit collection and recovery software for collection agencies and financial institutions. Columbia Ultimate - Products and services that collection agencies, retail businesses, government agencies, insurance providers and medical facilities use to recapture revenue. System Innovators - Provides payment collection software for utilities and government. MicroBilt Corporation - Windows based software for credit report retrieval. Comtech Systems, Inc. - Collect! software designed for collection agencies and credit management. Accelerated Data Systems, Inc. - AdvantEdge software designed and developed by bill collectors. Lonestar Turnkey Systems, Ltd. - Provider of leading edge WinDebt software for the credit and collection industry. Ontario Systems Corporation - Offers debt collection software, predictive dialers and document management systems. Educational Computer Systems, Inc. - Produces a PC based student loan billing, collection and accounting system. Credit Runner, Inc. - Provides businesses with a secure gateway to access consumer credit information via the Internet. Advantage Credit - Provides custom software to banks and mortgage brokers for the purpose of creating in-file, merged and mortgage credit reports. Fermat - Paris, France based firm offers risk monitoring and control tools for financial services companies. Collection Works - Windows based debt collection software for collection agencies, banks or retail. Roydan Enterprises, Ltd. - Developers of Bloodhound collection management software, which includes features such as predictive dialers and check verification. Quantrax Corporation, Inc. - Maker of Intelec, an AS/400 based artificial intelligence debt collection package. Credit Strategy - Offers a means of customizing and configuring Microsoft Access for use as credit management and collections software. Compiforce, Ltd. - Debt collection and litigation software for debt collectors, bailiffs, enquiry agents and credit controllers. Intelligent Banking Solutions, Inc. - Produces Windows based Collections Management System and Asset Recovery Manager software packages to automate collection and banking processes. MERit Credit Systems, Inc. - Offers a credit server based software engine that makes it possible for Internet and in-house business systems to integrate credit report data from any of the three national credit repositories. Better Business Partners, Inc. - Produces Credit Vision software which allows credit reporting agencies to process one, two or three bureau merged credit reports. CreditSoft - Provides debt consolidation and management software systems for credit counseling agencies. Efinance Corporation - Enables the real-time completion of online credit applications for financial institutions, vendors and manufacturers. Profitera - Offers enterprise collections and revenue recovery, bad debt management, legal and agency management and risk and scoring analysis solutions. eCredit.com, Inc. - Delivers credit risk management and collections software and services to Fortune 1000 companies and financial institutions. Starmark Solutions - Resellers of client/server, Intranet and Internet debt collection and legal recoveries software applications for PC based networks. Predator Credit Management Software - Provides software for credit management and debt collection throughout Europe. Site is available in several languages. Digital Matrix Systems, Inc. - Offers credit bureau access and credit decisions via the Internet. Products such as Credit Bureau Simulator, Summary Attributes, MegaMerge, and the Internet-based CreditAnalystTM. Credit Management Solutions, Inc. - Develops and provides software solutions and services, including a software-based online network, for automating consumer and small business credit analysis, decisioning and funding processes. (Nasdaq: CMSS). The ClearStar Network - Provides software services and Internet sites to pre-employment screening, tenant screening and background investigation companies. Hubbard Systems, Inc. - Debt collection software for law firms, collection agencies and in-house corporate collection departments. JS Technologies, Inc. - Collect-Max debt collection software for law offices. The Service Bureau, LLC - Provider of Metro 2 software for reporting consumer account information to major credit reporting agencies. Adtec Software Ltd - Suppliers of software to the debt collection industry. Providing debt collection, credit management and on-line services software. Collection Data Systems - Windows and Oracle software for collection agencies. Comtronic Systems - Provider of Debtmaster software solutions for the debt collection industry. Howland International, Inc. - Offers credit and receivables software to used car dealers and loan specialists. CR Software - Develops software solutions for the collections and credit industries. Hutchins Systems - Offers Credit Time 2000 software used for submitting credit information to the major credit bureaus.