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Specialty Finance

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Home Lending: At-a-Glance<br />

Volume<br />

($ Billions)<br />

6.9<br />

2006 Business Highlights<br />

• Proven, disciplined originator<br />

• Over 250 sales representatives<br />

• Over 2,500 broker relationships<br />

4.6<br />

5.8<br />

• Strong portfolio management through<br />

all cycles<br />

2007 Strategy<br />

• Increase sales and operations productivity<br />

2004 2005 2006<br />

9 mos.<br />

• Leverage originate and sell capability<br />

• Maintain competitive position<br />

• Continue risk and target market discipline<br />

• Enhance loan origination technology

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