Credit Cards: Q3 2011

CREDIT CARDS: Q3 2011 It increased to Credit card debt per borrower 0.71% since 2007 NATIONAL AVERAGE - Highest: $5,776 $4,964 - Credit card debt per The national credit card delinquency rate (the rate of borrowers 90 or more days past borrower is 4% lower this due) increased to 0.71% at the end of Q3 2011. $4,762 year. Lowest: $4,679 $2,500 $5,000 CREDIT CARD DELINQUENCY RATE PERCENTAGES, BY STATE .98% .93% HIGHEST .50% .45% .42% 1.03% in NV in AL in SD in AK in ND in MS VS LOWEST Between Q2 and Q3 of 2011, all 50 states and the District of Columbia experienced increases in their credit card delinquency rates. CREDIT CARD DELINQUENCY RATES PERCENTAGE OF METROPOLITAN STATISTICAL AREAS WITH INCREASES 75 89% 50 50% 26% 23% 17% Q3 2010 Q4 2010 Q1 2011 Q2 2011 Q3 2011 TransUnion Trend Data is a one-of-a-kind database consisting of 27 million anonymous consumer records randomly sampled every quarter from the TransUnion national consumer credit database. Each record contains more than 200 credit variables that illustrate consumer credit usage and performance. Since 1992, TransUnion has been aggregating this information at the county, Metropolitan Statistical Area (MSA), state and national levels. For more information on Trend Data, please visit transunion.com/trenddata TransUnion. PERCENTAGE (%) 25 Q1 2007 Q1 2008 Q1 2009 Q1 2010 Q1 2011 Q3 2011 Q3 2010