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

2008 Mortgage Research	Gibson	Indiana	US
Total Applications	103	12,923	435,132
Average Loan	$97.3k	$110.5k	$142.6k
Loan to Income Ratio	1.52	1.71	2.03
Subprime Loans	4.85%	2.99%	3.43%
Refinancing Loans	87.38%	82.11%	74.13%
Principal Dwellings	100%	99.76%	99.62%
Rejected Applications	—	—	—

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