MC M O R T G A G E C O N C E P T S A MORTGAGE BANKING CORPORATION EST. 1994

Cash flow services, namely, providing cash to mortgage holders or other notes at a discounted rate in return for ownership of the mortgage or note; Financial services, namely, mortgage planning; Financial services, namely, the purchase of residential mortgages on behalf of others and the issuance of mortgage-backed securities; Maintaining mortgage escrow accounts; Membership club services, namely, providing information to members in the fields of real estate, mortgages and debt elimination; Mortgage banking; Mortgage banking services, namely, origination, acquisition, servicing, securitization and brokerage of mortgage loans; Mortgage brokerage; Mortgage compliance consulting services concerning financial requirements for mortgages for mortgage lenders and servicers and mortgage brokers; Mortgage foreclosure mitigation and loan default mitigation services, namely, acquisition and lease-back of real estate; Mortgage lending; Mortgage procurement for others; Mortgage services, namely, buyer pre-qualification of mortgages for mortgage brokers and banks; Mortgaging of securities for others; Providing post-compliance financial reviews for the mortgage industry; Real estate services to stop foreclosure, namely, mortgage debt management