36 Providing credit rating services; providing bond rating services; providing bank and financial investment rating services; providing information and research in the field of finance and financial investments, namely, information and research pertaining to financial instruments, financial institutions, financial vehicles, financial markets, and credit assessments and analyses thereof; financial services in the nature of credit risk assessment; providing credit risk assessment services, namely, credit risk assessments of banks, financial institutions, financial vehicles, companies, governmental authorities, and financial investments; providing subscription-based financial data for financial purposes and financial research and financial analysis services related to financial investments, financial institutions and corporations; providing online, non-downloadable integrated databases featuring information for financial, economic, and risk analysis, and the structuring, analysis, management, modeling and servicing of companies, industries, financial markets, financial instruments and portfolios; all of the foregoing excluding financing services, factoring services, cash advance services, capital investment, credit card payment and transaction processing services, credit and loan services, lines of credit services, issuance of credit cards, and credit card authorization services