Figure Title: Figure 3: Heritage’s Non-Current Loan Percentage
Description of Figure 3: The graph is a line graph consisting of 1 line. On the Y-axis is Percentages, ranging from 0% to 16%. The X-axis Date Quarterly month-end dates (12/06 3/07 6/07 9/07 12/07 3/08).

The plot points are below.

Heritage's Non-Current Loan Percentage

12/06 - 3.24%
3/07 - 4%
6/07 - 3.15%
9/07 - 4.38%
12/07 - 6.07%
3/08 - 13.72%


Source: Quarterly UBPRs from December 2006 through March 2008.