CORNERSTONE

mortgate services, namely origination, purchase, and sale on a servicing-retained or servicing-released basis of (A) Federal National Mortgage Association (Fannie Mae) and Federal Home Loan Mortage Corporation (Freddie Mac) conforming mortage loans and Federal Housing Administration (FHA) insured and Veterans Administration (VA) guaranteed mortage loans, and (B) non-conforming mortage loans and (ii) origination and issuance of collateralized mortage obligations