LTV ADVANTAGE

MORTGAGE LENDING; BANKING; BROKER SERVICES, NAMELY MORTGAGE BROKERAGE; MORTGAGE LENDING AND FINANCIAL SERVICES, NAMELY, LOAN PROCESSING, LOAN COLLECTIONS, AND MORTGAGE BROKERAGE; AND WHOLESALE AND RETAIL MORTGAGE SERVICES, NAMELY PURCHASING MORTGAGE LOANS FROM REAL ESTATE AND MORTGAGE BROKERS AND CORRESPONDENT LENDERS FOR OTHERS, BROKERING THE SALE AND SERVICING OF MORTGAGE LOANS TO SECONDARY MORTGAGE LENDERS, AND MAINTENANCE OF MORTGAGE ESCROW ACCOUNTS