TOWER MORTGAGE CAPITAL INC.

Mortgage banking services; 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, brokering and servicing of mortgage loans to secondary mortgage lenders, and maintenance of mortgage escrow accounts, and mortgage banking, lending, brokering, and financial services over the global computer network, namely, loan processing, loan collections, mortgage brokerage, and mortgage lending