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

2008 Mortgage Research	Elko	Nevada	US
Total Applications	170	4,304	435,132
Average Loan	$155.5k	$216.1k	$142.6k
Loan to Income Ratio	1.97	2.82	2.03
Subprime Loans	1.76%	1.32%	3.43%
Refinancing Loans	65.88%	87.66%	74.13%
Principal Dwellings	99.41%	99.54%	99.62%
Rejected Applications	—	—	—

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