WHEN YOUR BANK SAYS NO, NEWDAY SAYS YES

Mortgage banking and mortgage lending; making first and second lien home loans, debt-consolidation and cash-out refinance first and second loans; debt consolidation services, namely, bill consolidation services and financial consultation in the field of debt consolidation; mortgage refinancing services; Internet-based mortgage banking services and mortgage loan origination; reverse mortgage lending; providing home purchase loans; servicing of mortgage loans; home equity loans