Yes. The problem seemed be that Sitemap would stall in the sub directory named "directory".
So, just to see, I added "directory" to the "Exclude URLs".
After that change, Sitemap will continue to include other URLs but Sitemap still makes mistakes.
For example, both "directory" and "membership" appear included in the sitemap.xml file and they where supposed to be excluded.
And gig-harbor-classifieds has one instance where it appears as "gig%2Dharbor%2Dclassifieds".
I will continue to work on it.