HOME EQUITY OPTIMIZATION PLAN

Financial services, namely, the purchase of residential mortgages on behalf of others and the issuance of mortgage-backed securities; Maintaining mortgage escrow accounts; Mortgage banking; Mortgage banking services, namely, origination, acquisition, servicing, securitization and brokerage of mortgage loans; Mortgage brokerage; Mortgage lending; Mortgage procurement for others; Mortgage services, namely, buyer pre-qualification of mortgages for mortgage brokers and banks; Mortgaging of securities for others