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

2008 Mortgage Research	Baker	Georgia	US
Total Applications	6	6,924	6,935
Average Loan	$65.7k	$59.7k	$59.7k
Loan to Income Ratio	1.76	1.28	1.28
Subprime Loans	—	28.76%	28.71%
Refinancing Loans	66.67%	81.99%	82.00%
Principal Dwellings	100%	99.94%	99.94%
Rejected Applications	—	—	—

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