BORROWERS ARE MORE THAN FICO SCORES.

Mortgage lending and financial services, namely, loan processing, loan collections, and mortgage brokerage services; banking services; and, wholesale and retail mortgage services, namely purchasing mortgage loans from real estate and mortgage brokers and correspondent lenders, sale and servicing of mortgage loans to secondary mortgage lenders, and maintenance of mortgage escrow accounts; and mortgage banking, lending, and brokerage services over the global computer network