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

2008 Mortgage Research	Atkinson	Georgia	US
Total Applications	5	19,170	435,132
Average Loan	$102.8k	$131.7k	$142.6k
Loan to Income Ratio	1.41	1.95	2.03
Subprime Loans	—	2.93%	3.43%
Refinancing Loans	80%	74.37%	74.13%
Principal Dwellings	100%	99.55%	99.62%
Rejected Applications	—	—	—

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