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

2008 Mortgage Research	Garfield	Oklahoma	US
Total Applications	99	8,462	435,132
Average Loan	$85.0k	$100.5k	$142.6k
Loan to Income Ratio	1.16	1.52	2.03
Subprime Loans	5.05%	3.04%	3.43%
Refinancing Loans	68.69%	71.22%	74.13%
Principal Dwellings	97.98%	99.62%	99.62%
Rejected Applications	—	—	—

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