Figure Title: Figure 3: ADC Loans as a Percentage of Total Capital - Compared to Peer
Description of Figure 3: The graph is a grouped bar chart with 6 separate groupings.

Group 1 - Dec-03 Period End Date
Haven - 626%
Peer - 67%

Group 2 - Dec-04 Period End Date
Haven - 568%
Peer - 80%


Group 3 - Dec-05 Period End Date
Haven - 461%
Peer - 91%


Group 4 - Dec-06 Period End Date
Haven - 415%
Peer - 117%


Group 5 - Dec-07 Period End Date
Haven - 451%
Peer - 124%


Group 6 - Sept-08 Period End Date
Haven - 425%
Peer - 115%


Source: UBPR Reports.