Year of Improvement

(origination volume index, 2001 average quarter = 100) Source: Mortgage Bankers Association

(origination volume index, 2001 average quarter = 100)

Sources: Mortgage Bankers Association, Federal Reserve Board of Governors, Wells Fargo Source: SNL Financial, 434-977-1600, www.snl.com.real_estate Securities L.L.C., Intex Solutions Inc. and FDIC

Source: Mortgage Bankers Association