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WIDESPREAD PANIC

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Alias Born 09/04/2008

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Re: None

Monday, 01/19/2009 3:42:34 PM

Monday, January 19, 2009 3:42:34 PM

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Strong Subprime lender specializing in fixed rate mortgages (80%) with little exposure in high pressure areas like California (<1%). Origination rates are lower than industry average. Stock price trading near 52-week low. 30% insider ownership, 25-year old company. Only subprime lender making money. Sells 75% of the loans in retail (low cost).

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