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1ST NAT. BANK OF CENTRAL AL 2323 PAUL W. BRYANT DRIVE
TUSCALOOSA, 35401

2008 Mortgage Research	Kemper	Mississippi	US
Total Applications	2	12	240
Average Loan	$275.0k	$123.6k	$131.7k
Loan to Income Ratio	2.03	0.80	0.60
Subprime Loans	50%	66.67%	50.83%
Refinancing Loans	100%	66.67%	77.08%
Principal Dwellings	50%	75%	55%
Rejected Applications	—	8.33%	2.92%

1ST NAT. BANK OF CENTRAL AL 2323 PAUL W. BRYANT DRIVETUSCALOOSA, 35401