Investor Presentaiton

Payments in advance remain at consistent high levels. • Advance payments driven by customers maintaining scheduled payments at historical levels after rate falls. 25.0% 20.0% 15.0% 10.0% 5.0% 0.0% Housing Loans Payments In Advance % of Total Outstandings ***************** May-12 Jun-12 Jul-12 Aug-12 Sep-12 30 to <60 days Oct-12 ΖΙ-ΛΟΝ Τ Dec-12 cl-uef Feb-13 60 to <90 days Mar-13 Apr-13 May-13 Jun-13 Jul-13 Aug-13 Sep-13 90 days plus W : 37

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