Moody's

Sardine is a financial technology company that specializes in providing a risk and fraud infrastructure tailored for the online economy. It has developed a device intelligence platform that leverages artificial intelligence and advanced risk engine software. This platform enhances fraud detection while minimizing sign-up friction by analyzing multiple real-time data points, including device information, browser details, and behavioral biometrics. By integrating this technology, Sardine enables businesses to establish a robust risk and fraud management framework, ultimately reducing costs within the fintech ecosystem.

Cape Analytics, LLC is a technology company that specializes in an artificial intelligence-based geospatial imagery data platform designed for the insurance and reinsurance sectors in the United States. Founded in 2014 and based in Mountain View, California, the company employs deep learning and computer vision to provide instant property intelligence, allowing insurers and property stakeholders to obtain critical property attributes during the underwriting process. This platform offers the precision and detail typically associated with on-site inspections, but with the added benefits of speed and extensive coverage. By streamlining access to valuable property data, Cape Analytics enhances the efficiency of underwriting for real estate and insurance companies.

Cape Analytics, LLC is a technology company that specializes in an artificial intelligence-based geospatial imagery data platform designed for the insurance and reinsurance sectors in the United States. Founded in 2014 and based in Mountain View, California, the company employs deep learning and computer vision to provide instant property intelligence, allowing insurers and property stakeholders to obtain critical property attributes during the underwriting process. This platform offers the precision and detail typically associated with on-site inspections, but with the added benefits of speed and extensive coverage. By streamlining access to valuable property data, Cape Analytics enhances the efficiency of underwriting for real estate and insurance companies.

Numerated is a fintech company that simplifies business banking for financial institutions and their clients through its innovative digital lending platform. This platform enables banks and credit unions to enhance customer experience by leveraging data to streamline the origination of various business banking products, facilitating the entire process from application to decision and closure. The software includes features such as pre-filled digital applications, decision automation, and sales and marketing tools, thereby making it easier for businesses to obtain financial products. With over 400,000 businesses and 30,000 financial institution associates utilizing the platform, Numerated has processed $50 billion in lending. Financial institutions with a collective asset base of $1 trillion employ Numerated's solutions, which have garnered recognition in the fintech industry for their effectiveness and innovation.

Praedicat, Inc. is a Los Angeles-based company that develops advanced software solutions for the property and casualty insurance industries, focusing on liability catastrophe risk. Since its incorporation in 2011, Praedicat has aimed to enhance the underwriting process and risk management through its innovative technology. The company's patent-pending software extracts and analyzes information from scientific literature regarding emerging risks, employing a structured approach that incorporates applied legal reasoning and economics. This analysis is designed to inform the core functions of liability insurers and reinsurers, offering them innovative risk measures and visualizations. By transforming emerging risks into opportunities for growth, Praedicat supports its clients in effectively modeling and managing their liability exposures.

MioTech Information Technology (Shanghai) Co., Limited is an artificial intelligence platform based in Shanghai, China, with additional offices in Hong Kong. Founded in 2016, the company specializes in developing software solutions for investment managers, enabling them to navigate complex data and enhance client service. MioTech's platform integrates and analyzes diverse data sources to streamline the investment process, offering a data-driven experience. Additionally, the company focuses on sustainability and environmental, social, and corporate governance (ESG) data, providing financial institutions, enterprises, and governments with tools to monitor and manage sustainability metrics in real time. MioTech's innovative approach is supported by notable investors, including Horizons Ventures and ZhenFund.

Integrated Aerial Precision is an agritech company that drone service and data anakytics for precision agriculture.

D-Olivette provides a decentralized energy solution for rural communities through products that convert organic waste into biogas and fertilizer.

Fourth Line is an agribusiness firm focused on empowering smallholder bee farmers through innovative solutions. The company processes and supplies wild honey while providing agricultural and financial services to enhance farmers' productivity. Fourth Line designs and manufactures movable, durable beehives made from reclaimed wood offcuts, tailored specifically for the Miombo forest climate. Additionally, the company offers low-cost solar-powered bee venom harvesting devices, enabling farmers to produce high-value honey for export to global markets. Through these initiatives, Fourth Line aims to improve the livelihoods of bee farmers and facilitate their entry into international markets.

Octavia Carbon is the first Direct Air Capture (DAC) company in the Global South, focused on filtering carbon dioxide from the atmosphere to combat climate change and reduce reliance on fossil fuels. The company designs, builds, and deploys patented technology that utilizes Kenya's geothermal energy and geological resources to enhance the efficiency and cost-effectiveness of DAC technology. By capturing CO2 directly from the air, Octavia Carbon enables the conversion of this greenhouse gas into stable underground rock formations or repurposes it as an industrial gas, helping to replace polluting fossil fuels. This innovative approach not only addresses environmental concerns but also supports industrial power users in East Africa, contributing to the fight against energy poverty in the region.

Hydroponics Gardens Masaka is an agritech company specializing in hydroponic systems. It provides cost-effective, sustainable solutions for farming, including hydroponic fodder and vegetable systems, along with comprehensive farming support. The company's mission is to enhance food production and nutrition, increase household income, and mitigate climate change by offering resource-efficient, productive hydroponic equipment and fostering the hydroponics farming community through education and support.

Organic Fields offers an innovative biological, certified organic fertilizing solution to commercial growers in the agricultural.

Women in Energy Sierra Leone Limited manufactures and distributes smart green stove and briquettes for renewable energy solutions.

Akatale on Cloud is a fresh food online market, a digital platform for assessing food quality and life span, and a resource for local farmers and producers to learn about food preservation

Inno-Neat Energy Solutions provides an off-grid clean energy solutions. Inno-Neat Energy develop innovative solar-battery modules for off-grid households, small businesses, and e-mobility applications.

QuantCube Technology, established in 2013, is a Paris-based company specializing in real-time predictive analytics. It leverages artificial intelligence and algorithmic processing to analyze unstructured data, offering insights to corporate clients, financial institutions, and investment managers. The company provides real-time analytics on macroeconomic indicators, political events, and short-term investment strategies. Additionally, it offers profile analytics solutions and satellite imagery analytics using deep learning algorithms. QuantCube Technology aims to create value from diverse data types, pushing the boundaries of innovation while advocating for ethical data use.

SCRiesgo provides risk rating and analysis of issues services to investment funds, financial institutions, and insurance companies.

Octaura is an electronic trading solution created by the industry – for the industry. Backed by eight major US financial institutions, Octaura has reimagined the way the syndicated loan and the CLO markets trade. Efficiency, transparency and simplicity are at the heart of what we do.

Global Credit Ratings is a provider of credit ratings. The company serves 400 customers across 20 countries and is the only rating agency to have a strong presence in multiple geographies across the continent.

PassFort has created a compliance platform that automates the collection, verification, and secure storage of customer due diligence (CDD) data and documentation. This software enhances the onboarding experience for both customers and compliance teams by streamlining Know Your Customer (KYC) processes. By employing a risk-based approach, PassFort's platform customizes each individual’s onboarding journey based on their assessed level of risk. The solution includes automated workflows for onboarding and monitoring, allowing clients to effectively manage compliance while reducing time, costs, and complexity associated with regulatory requirements.

kompany is a RegTech platform specializing in global business verification and Know Your Customer (KYC) solutions. Founded in 2012 and headquartered in Vienna, Austria, with additional offices in Singapore and the UK, kompany offers real-time access to primary source, time-stamped company information from over 150 jurisdictions. Its services include an API and a shareholder identification tool known as UBO discovery, which help financial institutions, payment service providers, insurers, and other regulated entities automate their due diligence processes. As a licensed clearing house and official distributor of business registers in various countries, kompany supports clients in adhering to the latest anti-money laundering regulations. The company boasts a diverse team of developers, regulatory experts, and product managers dedicated to enhancing business compliance and verification.

Bogard AB helps to identify persons in politically exposed positions in customer bases in a correct way using Bogards Nordic PEP database.

BitSight, founded in 2011, is a cyber risk management company that offers a platform designed to help organizations assess and manage information security risk. By applying sophisticated algorithms, BitSight generates daily security ratings that range from 250 to 900, enabling users to evaluate third-party risk, underwrite cyber insurance, benchmark security performance, and conduct due diligence in mergers and acquisitions. The company serves a diverse clientele, including seven of the top ten cyber insurers, 20% of Fortune 500 companies, and three of the top five investment banks, making its Security Ratings technology integral to risk management and business decision-making. With over 1,000 customers and a vast ecosystem of users, BitSight is recognized as the most widely used Security Ratings Service in the industry.

realXdata GmbH is a Berlin-based company established in 2016 that specializes in data-driven analytical solutions for the real estate industry. The company focuses on providing comprehensive market data analysis, benchmarking, reporting, and integration services specifically tailored for commercial real estate. By leveraging proprietary data, crowdsourced information, and valuable public data, realXdata aims to enhance transparency and accessibility in the commercial real estate sector. Its platform enables clients to compare properties effectively, assists lenders in underwriting loans, supports hedge funds in making informed investment decisions, and aids brokers in closing deals. Through its innovative approach, realXdata seeks to facilitate a more informed and efficient real estate market for all stakeholders.

Risk Management Solutions, Inc. (RMS), founded in 1989 and based in Newark, California, specializes in providing comprehensive risk management services in the San Francisco Bay Area. As a subsidiary of George Hills Company Inc., RMS offers the Risk Intelligence platform, which features advanced predictive and probabilistic risk models, extensive risk data, APIs, and applications for thorough risk analytics. This platform supports clients in the financial services, insurance, public agency, and policymaking sectors by integrating scientific knowledge, engineering insights, and empirical loss data following catastrophic events. Customers utilize the Risk Intelligence platform to assess, price, mitigate, and manage risks associated with natural disasters such as earthquakes, wildfires, floods, and hurricanes, as well as man-made threats like terrorism and cyber risks.

VisibleRisk is a joint venture between Moody's and Team8 that offers a cybersecurity platform designed to help businesses manage cyber risks in financial terms. The platform continuously monitors and assesses cyber threats, providing business leaders with the tools to understand, manage, and communicate these risks effectively. By leveraging expertise in risk measurement and cybersecurity technologies, VisibleRisk develops innovative methods for visualizing cyber threats, enabling clients to enhance their governance and mitigation strategies. Through its solutions, VisibleRisk aims to integrate cybersecurity into the broader financial risk management framework of organizations.

Cortera, Inc. is a provider of business-to-business analytics and cloud-based risk management solutions, specializing in payment and purchase behavior data for both public and private companies. The company tracks $1.6 trillion in business-to-business purchases across 45 spend categories, delivering insights on 20 million U.S. business locations. Its offerings include Cortera Pulse, which monitors credit risk and key events; Boost, which appends scores and insights about customers and suppliers; and Cortera Decisions, an automated scorecard platform. Additionally, Cortera provides eCredit for credit scoring and collections automation, Cortera Traits for real-time statistical modeling, and Connect, an XML web service for accessing proprietary data. With a focus on helping companies understand their customers and partners, Cortera’s solutions enhance revenue generation, improve sales and marketing effectiveness, and mitigate risk. Founded in 1993 and headquartered in Boca Raton, Florida, the company also has offices in Quincy, Massachusetts, and Bengaluru and Coimbatore, India.

ZM Financial Systems, Inc. is a Cary, North Carolina-based company that specializes in developing and supporting analytics software tailored for fixed income and derivatives professionals within the capital markets and banking sectors. Founded in 2003, the company provides a suite of products, including ZMdesk, which offers valuation analytics, market risk management, and portfolio management tools. Additionally, OnlineALM.com serves as a solution for asset liability management, featuring risk management integrations and reporting capabilities. ZM Financial Systems also offers Online Budgeting, a cloud-hosted application designed for the budgeting process in banks and credit unions, along with ZXBondSwap, an analytical tool for evaluating security trades and funding decisions. With a client base of approximately 1,500 financial institutions, the company focuses on delivering advanced financial analytics that address real-world challenges while maintaining user-friendly interfaces. As of December 2020, ZM Financial Systems operates as a subsidiary of Moody's Corporation.

MioTech Information Technology (Shanghai) Co., Limited is an artificial intelligence platform based in Shanghai, China, with additional offices in Hong Kong. Founded in 2016, the company specializes in developing software solutions for investment managers, enabling them to navigate complex data and enhance client service. MioTech's platform integrates and analyzes diverse data sources to streamline the investment process, offering a data-driven experience. Additionally, the company focuses on sustainability and environmental, social, and corporate governance (ESG) data, providing financial institutions, enterprises, and governments with tools to monitor and manage sustainability metrics in real time. MioTech's innovative approach is supported by notable investors, including Horizons Ventures and ZhenFund.

Acquire Media Corporation is a technology company that specializes in delivering text news and multimedia content via the internet. It provides a comprehensive real-time news management and distribution solution tailored for business professionals, traders, and financial experts. The company's offerings include a real-time news alert system, a news tagged feed for trading strategies, and content management solutions for individuals and workgroups. With the ability to deliver over 650,000 news articles daily, Acquire Media serves clients across the news, digital publishing, and financial services sectors. Founded in 2001 and based in Roseland, New Jersey, Acquire Media operates as a subsidiary of Moody's Corporation.

Malaysian Rating Corporation Berhad (MARC) operates as a credit rating agency based in Kuala Lumpur, Malaysia. The organization specializes in providing credit ratings and research services for various financial instruments, including commercial papers, bonds, and both long- and short-term debts. MARC's coverage encompasses corporate finance, which includes financial institutions and insurance, as well as structured finance, public finance, and infrastructure and project finance. Additionally, the agency offers industry analyses, rating reports, and rating indices to assist both issuers and investors in making informed decisions in the local and global markets.

Quipu is building the first digital bank for the informal economy in LATAM. Using proprietary AI algorithms, Quipu assesses informal microbusinesses’ creditworthiness using over 80,000 alternative data points. Quipu leverages this data to provide working capital loans through a local supply chain financing system that allows microbusinesses to buy supplies, ingredients and materials at wholesale price. The company is building an uncollateralized loan protocol to boost their loan operation. Quipu’s goal is to become the one-stop-shop for financial services for micro-businesses in LATAM providing easy, fair and alternative access to working capital.

RBA International is a London-based provider of online retail banking training and certification services. The company specializes in offering a range of educational programs designed to equip bankers with the essential skills and knowledge required to navigate the evolving retail banking landscape. Its curriculum includes various certifications, such as certified retail banker, certified professional retail banker, certified branch manager, and certified wealth practitioner. Through group case studies and comprehensive training modules, RBA International aims to enhance the capabilities of banking professionals, preparing them for the challenges of the industry.

SynTao Green Finance Co., Ltd., established in 2015 and headquartered in Beijing, China, specializes in environmental, social, and governance (ESG) data and ratings, as well as green bond verification and consulting services. Operating as a subsidiary of Beijing SynTao Information Technology Co., Ltd., the company serves financial institutions and corporations, offering expertise in responsible investment and green finance solutions. SynTao Green Finance aims to assist businesses in developing sustainable finance strategies, managing ESG risks, and capitalizing on green business opportunities, thereby contributing to a more sustainable future.

RiskFirst is a FinTech company based in London, United Kingdom, specializing in risk analytic solutions tailored for the asset management and pension fund sectors. The company develops intuitive and user-friendly tools that facilitate risk analytics and reporting. Its product offerings include valuation services, simulation analytics for endowment portfolios, and benchmarking platforms designed for liability-driven investing. By focusing on the unique needs of the pensions and investments market, RiskFirst aims to enhance decision-making processes within these financial sectors.

Four Twenty Seven, Inc. is a Berkeley, California-based company that specializes in climate research and risk management solutions. Founded in 2012, it focuses on combining economic modeling with climate science to mitigate risks associated with climate change. The company aims to facilitate climate adaptation and resilience investments by integrating climate science into business and policy decisions. Its team comprises professionals with diverse expertise in areas such as climate science, economics, finance, and policy analysis. Four Twenty Seven provides science-driven risk analytics to various stakeholders, including investors, corporations, and governments, to enhance their decision-making processes regarding climate-related challenges. As of July 2019, Four Twenty Seven operates as a subsidiary of Moody's Corporation.

Vigeo Eiris evaluates organisations’ integration of social, environmental and governance factors into their strategies, operations and management – with a focus on promoting economic performance, responsible investment and sustainable value creation.

Reis, Inc., through its subsidiary Reis Services, LLC, specializes in providing comprehensive market information and analytical tools for the commercial real estate sector in the United States. The company maintains a proprietary database that includes data on various types of commercial properties, such as apartments, offices, retail spaces, warehouses, and more, across metropolitan markets and neighborhoods. This information supports real estate investors, lenders, and other professionals in making informed decisions regarding buying, selling, and financing properties. Reis offers a range of products, including Reis SE for larger enterprises, Reis Portfolio CRE for risk managers, and ReisReports for smaller businesses, all of which provide online access to vital market trends, forecasts, and property-specific details. Founded in 1980 and based in New York, Reis, Inc. has established itself as a trusted source for impartial commercial real estate performance information and analysis. It became a subsidiary of Moody's Corporation in 2018.

Omega Performance Corporation specializes in credit training services for lending organizations globally. Founded in 1976 and headquartered in Arlington, Virginia, with additional offices in Singapore and Australia, the company offers a range of courses across various lending areas, including commercial, small business, consumer, and retail lending, as well as commercial real estate. Its training options include self-paced e-learning, skills application labs, and workshops focused on practical lending skills. Omega Performance also features SimuStar, a 3D simulation tool that allows lenders to practice judgment skills in a controlled environment. Additionally, the company provides instructor-led workshops and professional consulting services tailored to the needs of financial services professionals, emphasizing customized coaching and mentorship. As of August 2018, Omega Performance operates as a subsidiary of Moody's Corporation.

QuantCube Technology, established in 2013, is a Paris-based company specializing in real-time predictive analytics. It leverages artificial intelligence and algorithmic processing to analyze unstructured data, offering insights to corporate clients, financial institutions, and investment managers. The company provides real-time analytics on macroeconomic indicators, political events, and short-term investment strategies. Additionally, it offers profile analytics solutions and satellite imagery analytics using deep learning algorithms. QuantCube Technology aims to create value from diverse data types, pushing the boundaries of innovation while advocating for ethical data use.

Rockport VAL, LLC is a technology company that specializes in developing a cloud-based valuation tool tailored for the commercial real estate market. Founded in 2017 and based in New York, the company offers a financial modeling solution that allows real estate professionals to access secure and reliable systems anytime using internet-enabled devices. The VAL system features user-friendly navigation, an Excel interface, a calculator engine, and robust reporting capabilities, making it a modern resource for underwriting and valuations. Additionally, the platform's framework allows for seamless integration with third-party applications, providing clients with enhanced flexibility and options to improve efficiency and productivity in their financial processes.

CompStak, Inc. is a New York-based company that operates an online database focused on commercial lease comparables, providing comprehensive deal information such as tenant names, addresses, rent, square footage, and landlord concessions. Established in 2011, CompStak employs a crowd-sourced model to collect data from brokers, landlords, appraisers, and researchers, facilitating the exchange of lease comps. The platform is utilized by various stakeholders in the real estate sector, including private equity funds, banks, asset managers, real estate investment trusts, and hedge funds, to conduct asset valuations and analyses prior to significant investments. Additionally, institutional owners leverage CompStak's data to compare properties effectively. The company has formed a strategic partnership with Knowledge Cubed to enhance its data offerings.

SecurityScorecard, Inc., founded in 2013 by Dr. Alex Yampolskiy and Sam Kassoumeh, is a leading provider of cybersecurity ratings and continuous monitoring services. The company's platform assesses the cybersecurity strength of third-party vendors and businesses, offering solutions like ThreatMarket, a cloud-based vulnerability search engine, and Score Planner for remediation paths. SecurityScorecard serves Fortune 1000 organizations worldwide, providing tools for vendor risk management, board reporting, and cyber insurance underwriting. Its patented technology rates over a million companies continuously, enabling organizations to identify and mitigate cybersecurity risks across their digital footprint. The company is based in New York, New York.

Bureau van Dijk specializes in providing comprehensive company information products, primarily focused on private companies and corporate ownership structures. The firm aggregates, cleanses, integrates, and analyzes essential business data, delivering it to clients in the finance, corporate, and public sectors. Through its proprietary software, Bureau van Dijk enables clients to work more efficiently and make well-informed decisions. The company collaborates with various renowned information providers to enhance its offerings and maintain a high standard of data quality.

Finagraph is a business intelligence and analytics platform that caters to lenders, accountants, consultants, and business owners by providing essential financial tools and dashboards. The platform integrates directly with accounting systems to deliver visual insights and key performance indicators, thereby enhancing the efficiency of financial management. Key offerings include a financial dashboard for managing financials, a financial skills training tool for coaching business owners and professionals, and a borrowing base management tool. Additionally, Finagraph hosts seminars covering topics such as financial statement analysis and profit planning. The company also curates a selection of services for procurement, sales tax management, expense reporting, and online business loans. Based in Mercer Island, Washington, Finagraph operates as a subsidiary of Booyami, Inc.

Korea Investors Service is a credit rating agency based in Seoul, South Korea, established in 1985. The company specializes in providing domestic credit ratings, research, and related services to the Korean capital markets. It offers credit opinions, deal research, and commentary to support investors and market participants. Since 2001, Korea Investors Service has been a majority-owned affiliate of Moody’s Investors Service, enhancing its credibility and expertise in the field.

BlackBox Logic LLC specializes in providing loan-level data aggregation and processing services for residential mortgage backed securities (RMBS). The company serves a diverse clientele, including investors, broker/dealers, researchers, and academic institutions. BlackBox Logic offers BBx Data, which delivers insights into the characteristics and historical performance of loans underlying RMBS. Additionally, its Crystal Logic platform enables users to extract bond-level and loan-level data, conduct sector and vintage analysis, and perform mortgage market research. The company also offers tailored consulting services to address specific RMBS data needs, including custom analyses, reporting, data processing, modeling support, systems integration, and infrastructure optimization. Founded in 2007 and headquartered in Denver, Colorado, BlackBox Logic operates as a subsidiary of Moody's Corporation.

Equilibrium is a provider of credit rating and research services in Peru and other countries in Latin America.

Lewtan Technologies is a provider of analytical tools and data for the global structured finance market.

Acuity Knowledge Partners, previously part of Moody's Corporation, is a prominent provider of customized research, analytics, staffing, and technology solutions tailored for the financial services sector. Based in London, the company has nearly two decades of experience, serving over 400 financial institutions and consulting firms through a specialized workforce of over 4,000 analysts and delivery experts worldwide. Acuity Knowledge Partners offers integrated solutions across various segments, including investment banking, investment research, private equity, consultancy, and commercial lending. Their services focus on enabling clients to innovate, implement transformation programs, manage costs, and enhance operational efficiency. Additionally, the company utilizes a proprietary suite of Business Excellence and Automation Tools (BEAT) to deliver domain-specific technology solutions that support clients in growing revenue and improving overall performance.

Barrie & Hibbert is a prominent provider of risk management modeling tools and stochastic modeling services, primarily serving insurance companies globally. The company specializes in helping clients navigate the uncertainties of financial markets by offering a framework that enables the modeling of economic and asset scenarios. This capability enhances clients' understanding of financial market risks, allowing them to adapt and improve their business performance in an increasingly complex and volatile environment.

Copal Partners specializes in delivering tailored outsourced research, analytics, and consulting services to clients within the financial and corporate sectors. The firm focuses on providing insights and support that enhance decision-making processes for its clients, addressing their specific needs and challenges. By leveraging a combination of industry expertise and analytical capabilities, Copal Partners aims to drive value and improve operational efficiency for organizations seeking to navigate complex market environments.

The Canadian Securities Institute (CSI) is a leading provider of financial services education in Canada, established in 1970. Endorsed by regulatory authorities, CSI has trained over three-quarters of a million financial professionals, offering courses that meet licensing requirements for various regulatory bodies. In 2007, CSI expanded its educational offerings by acquiring the Institute of Canadian Bankers, enhancing its curriculum. Today, CSI provides a comprehensive suite of programs covering a wide range of topics, including securities, mutual funds, banking, insurance, portfolio management, and financial planning. With a focus on relevant, real-world training and innovative educational solutions, CSI has established itself as a trusted and experienced educator in the financial services sector.

enb Consulting is a UK-based firm that specializes in providing training services for the financial markets. The company focuses on offering a range of programs that encompass both technical skills and soft skills, tailored specifically for professionals in banking and capital markets. By equipping individuals with essential knowledge and competencies, enb Consulting aims to enhance the effectiveness and performance of financial professionals in a competitive industry.

Fermat International is a provider of risk and performance management software to the global banking sector.

Mergent Pricing and Evaluation Services is a provider of corporate and municipal bond pricing information.

Wall Street Analytics is a leader in providing sophisticated software products and services to the structured finance markets. The company provides products and support to more than 100 clients around the world including leading asset management firms, investment banks, trustees, and institutional investors. Its CDOnet, CDOcalc, Structured Finance Workstation, Bond Administration Workstation, and ABScalc products are widely recognized for their unique abilities to support detailed analysis of the most sophisticated structured debt products including, collateralized debt obligations (CDOs), mortgage-backed securities (MBS) and asset-backed securities (ABS). Founded in 1987, the company serves the markets from its three main locations in New York, San Francisco and London.

Economy.com, Inc. is a independent provider of economic, financial, country, and industry research designed to meet the diverse planning and information needs of businesses, governments, and professional investors worldwide. Its research has many dimensions: country analysis; financial markets; industrial markets; and regional markets. Economy.com's information and services are used in a variety of ways, including strategic planning; product and sales forecasting; risk and sensitivity management; and as investment research by over 500 clients worldwide, including the largest commercial and investment banks; insurance companies; financial services firms; mutual funds; governments at all levels; manufacturers; utilities; and industrial and technology clients. Economy.com was founded in 1990 and is an employee-owned corporation, headquartered in West Chester, Pennsylvania, a suburb of Philadelphia. It also maintains offices in London, England; Ottawa, Canada; and Sydney, Australia.

Moody's Interfax Rating Agency is a large independent information service provider in Russia. Interfax Rating Agency, which specializes in evaluating credit risk in Russia, signed a strategic cooperation agreement with Moody's Investors Service in October 2001. The Interfax Rating Agency is a member of the Interfax Information Services Group, a leading provider of business and political information from the emerging markets of Europe and Asia. Further information is available at www.interfax.com.

KMV offers credit assessment solutions for lenders, investors, and corporations. It calculates the probability of loss on loan portfolios and the creditworthiness of an individual or business.

Magister is a Buenos Aires-based business risk analysis and credit ratings agency.