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

2008 Mortgage Research	Gallia	Ohio	US
Total Applications	300	18,960	435,132
Average Loan	$88.1k	$106.3k	$142.6k
Loan to Income Ratio	1.42	1.67	2.03
Subprime Loans	3.33%	2.58%	3.43%
Refinancing Loans	79.67%	80.20%	74.13%
Principal Dwellings	99.67%	99.65%	99.62%
Rejected Applications	—	—	—

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