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

2008 Mortgage Research	Culberson	Texas	US
Total Applications	14	41,775	435,132
Average Loan	$69.6k	$85.3k	$142.6k
Loan to Income Ratio	1.48	1.23	2.03
Subprime Loans	—	4.57%	3.43%
Refinancing Loans	42.86%	55.08%	74.13%
Principal Dwellings	100%	99.44%	99.62%
Rejected Applications	—	—	—

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