BYDESIGN PERSONAL FINANCE SOLUTIONS, INC.

Referrals to Bankruptcy Counsel; referrals in the field of Home Equity Loans

Financial analysis and consultation services; Debt settlement negotiations, namely, negotiating debt settlement on behalf of others; Counseling services in the field of debt and credit management

Education Services, namely providing seminars and classes in the fields of bankruptcy filing and consequences, personal financial management, and real estate purchases