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BENEFICIAL COMPANY LLC 26525 N. RIVERWOODS BLVD.
METTAWA, 60045-3428

2008 Mortgage Research	Chambers	Alabama	US
Total Applications	85	2,851	435,132
Average Loan	$65.0k	$95.1k	$142.6k
Loan to Income Ratio	1.29	1.55	2.03
Subprime Loans	3.53%	2.77%	3.43%
Refinancing Loans	17.65%	44.93%	74.13%
Principal Dwellings	100%	99.61%	99.62%
Rejected Applications	—	—	—

BENEFICIAL COMPANY LLC 26525 N. RIVERWOODS BLVD.METTAWA, 60045-3428