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

2008 Mortgage Research	Fremont	Idaho	US
Total Applications	85	4,817	435,132
Average Loan	$97.0k	$147.8k	$142.6k
Loan to Income Ratio	1.71	2.19	2.03
Subprime Loans	2.35%	2.86%	3.43%
Refinancing Loans	76.47%	71.56%	74.13%
Principal Dwellings	100%	99.83%	99.62%
Rejected Applications	—	—	—

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