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

2008 Mortgage Research	Brown	Illinois	US
Total Applications	20	16,461	435,132
Average Loan	$79.8k	$159.5k	$142.6k
Loan to Income Ratio	1.24	2.19	2.03
Subprime Loans	—	4.47%	3.43%
Refinancing Loans	65%	80.95%	74.13%
Principal Dwellings	100%	99.74%	99.62%
Rejected Applications	—	—	—

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