GULF BAY PRIVATE CREDIT

Financing services; financing services, namely, financing housing; lending services, namely, commercial and consumer lending services; subordinated note sales, namely, debt settlement services; asset-backed financing; structured financing transactions; securitization transactions; mortgage lending; placement of equity funds, securities and derivatives for others; loans syndications; providing loans secured by commercial paper; providing floating rate notes; providing bridge and acquisition loans; providing term loans; providing working capital, venture capital funding; advisory services concerning financing alternatives; internet consumer finance services, namely, financing services; banking and financial information services all for the foregoing provided via a global computer network; mortgage and financing services pertaining to real estate, namely, mortgage lending, mortgage banking, mortgage brokerage, mortgage procurement for others, and maintaining mortgage escrow accounts, real estate consultancy; real estate lending services; providing information in the field of real estate; providing information in the field of real estate via the internet; consumer lending services; on-line consumer finance services, namely, consumer lending services