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CITIFINANCIAL SERVICES, INC. 300 ST. PAUL PLACE
BALTIMORE, 21202

2008 Mortgage Research	Atkinson	Georgia	US
Total Applications	7	6,924	6,935
Average Loan	$44.7k	$59.7k	$59.7k
Loan to Income Ratio	1.50	1.28	1.28
Subprime Loans	42.86%	28.76%	28.71%
Refinancing Loans	71.43%	81.99%	82.00%
Principal Dwellings	100%	99.94%	99.94%
Rejected Applications	—	—	—

CITIFINANCIAL SERVICES, INC. 300 ST. PAUL PLACEBALTIMORE, 21202