PAYMENT ADVANTAGE

Arranging of loans; financial services, namely, money lending, loan processing, loan servicing; consumer lending services; mortgage lending, planning and refinancing; wholesale lending services; real estate and home equity lending services; electronic loan origination services; financial services, namely, providing everyday personal financial information and advisory services via a global computer network; credit consultation; financial advice and consultancy services; providing a website featuring personal financial information and financial advice; providing educational information and consultation regarding everyday financial matters via a global computer network