CREDITBOOK

Providing an electronic financial exchange for trading of whole loan debt instruments and loan portfolios covering multiple asset classes including residential mortgages, commercial mortgages, auto loans, motorcycle loans, recreational vehicle loans, marine loans, and student loans; fiscal assessment and evaluation services, namely, assessing and evaluating buyers and sellers for qualification to transact in financial instruments, namely, whole loan debt instruments and loan portfolios; real-time and historic financial information and analysis relating to the purchasing, selling, administering, managing, monitoring, evaluating, and tracking of financial debt instruments and loan portfolios; financial services, namely, assisting others with the completion of financial transactions involving financial debt instruments and loan portfolios; financial services, namely, providing loan, mortgage, credit and loan guarantee services; and providing all of the aforesaid services on-line from a global computer network or via the Internet, such that said services are accessible via remote computer terminals or mobile communication devices