NEWTEK ADVANTAGE

Accounting services; online accounting services; computerized accounting services; accounting services for electronic funds services; administration of business payroll for others; payroll preparation; financial statement preparation and analysis for business; notification services to businesses in the nature of providing information regarding business filing requirements and filing dates via the Internet and email; income tax consultation and preparation services; business acquisition and merger consultation; business appraisals; business auditing; business consultation; business development services, namely, providing start-up support for businesses of others; business invoicing services; conducting business and market research surveys; business management planning; business management information on a wide variety of topics to business professionals; business marketing; business marketing consulting services; business organizational consultation; business planning; business research and surveys; business succession planning; business supervision; preparing business reports; providing statistical information for businesses; business management consultation and organizational change and personnel management consultation services; consulting services in the field of business management, organizational change and personnel management, and human resources

Financial management services; business finance procurement services; providing on-line financial services in the nature of banking and banking services; bill payment services; electronic payment, namely, electronic processing and transmission of bill payment data; financial information provided by electronic means; clearing and reconciling financial transactions via a global computer network; providing financial information by the internet; financial analysis for business; financial services, namely, electronic funds transfer via electronic communications networks; clearing and reconciling financial transactions via electronic communications networks; providing a wide variety of payment and financial services, namely, credit card payment processing services and transaction processing services, processing and transmission of bills and payments thereof, bill payment services with guaranteed payment delivery, all conducted via a global communications network; financial analysis and consultation services; loan financing and loan programs in the nature of providing business loans and temporary loans; insurance services, namely, brokerage, underwriting, administration and claims processing of life insurance, short-term care insurance, disability insurance, health insurance, Medicare supplement insurance, payroll insurance; payroll tax debiting services; banking services; online banking services; trust services, namely, investment and trust company services; real estate investment trust advisory and management services; financial restructuring services; financial advisory services; financial services, namely, mortgage refinancing; financial planning and investment advisory services; insurance and financial information and consultancy services; financial brokerage services; financial affairs and monetary affairs, namely, financial information, management and analysis services; providing financial services with respect to securities and other financial instruments and products, namely, money management services; financial services, namely, loans; financial services, namely, electronic remote check deposit services; financial evaluation, tracking, analysis, forecasting, consultancy, advisory and research services relating to securities and other financial instruments; financial and investment services, namely, asset and investment acquisition, consultation, advisory and development; financial transaction services, namely, providing secure commercial transactions and payment options; commercial lending services

Providing temporary use of on-line non-downloadable software for use in referral management, financial management, and sales management; providing temporary use of on-line non-downloadable software to allow customers to access account information, review referral information, and initiate contact requests; rental of smart card readers; providing customer-defined generated content and content of others automatically selected and customized based on the known or estimated geographical location of an Internet, mobile telephone or other wired or wireless digital network; application service provider (ASP), namely, hosting, managing, developing, and maintaining applications, software, and web sites, in the fields of wireless communication access for use in financial management and sales management, mobile information access, and remote data management; providing temporary use of on-line non-downloadable software for use in financial management and sales management