Visa Bankruptcy Education Services Bankruptcy Statistics October 22, 2015

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Bankruptcy Filings per Week Total Week 41 – 13,738 Filings Week 41 Year Actual Growth 2013 1,011,732 -12.6% 2014 889,435 -12.1% 2014 YTD ( 10/17/2014) 731,028 2015 YTD ( 10/17/2015) 652,295 -10.8% 2015 Forecast 810,000 -8.9% 2016 Forecast From 800,000 To 1,000,000 2017 Forecast From 1,000,000 To 1,200,000

Chapter 13 Bankruptcy Filings As a Percent of Total Filings (By Week)

Bankruptcy Filings per Month Total Month 9 – 66,591 Filings Year Actual Growth 2013 1,011,732 -12.6% 2014 889,435 -12.1% 2014 YTD ( 10/10/2014) 716,245 2015 YTD ( 10/10/2015) 638,557 -10.8% 2015 Forecast 810,000 -8.9% 2016 Forecast From 800,000 To 1,000,000 2017 Forecast From 1,000,000 To 1,200,000

Bankruptcy Filings per Month Actual vs. Forecast

Bankruptcy Filings per Court Day Total

Bankruptcy Filings per Court Day Growth See chart table for detail

Bankruptcy Filings per Court Day By Chapter See chart table for detail

Bankruptcy Dismissal Rates Chapter 7 Filings

Bankruptcy Dismissal Rates Chapter 13 Filings

Bankruptcy Filings per Region Growth YTD 9/30/2014 vs. 9/30/2015 Note: Monthly growth compares filings in the current month to those of the same month in the previous year after adjusting for the # of open court days.

Bankruptcy Filings Personal and Business Note: The Visa forecast is based on a 10.9 percent decline for 2015, a 11.1 percent growth for 2016, and a 22.2 percent growth for 2017. Source: 1978-2014 Administrative Office of the U.S. Courts

Bankruptcy Filings per Week Puerto Rico Week 41 – 173 Filings Week 41 Year Actual Growth 2010 12,034 9.6% 2011 10,896 -9.5% 2012 10,158 -6.8% 2013 10,735 5.7% 2014 10,605 -1.2% 2014 YTD ( 10/17/2014) 8,553 2015 YTD ( 10/17/2015) 8.061 -5.8%

Bankruptcy Information Service Regional Definitions The following information was generated from the Bankruptcy Information Service. The service collects filings from all of the United States Bankruptcy Courts (50 states) and notifies credit card issuers of personal bankruptcy filings affecting their specific bankcard portfolio. Regional Definitions MOUNTAIN Arizona Colorado Idaho Montana New Mexico Utah Wyoming NORTH CENTRAL (EAST) Illinois Indiana Michigan Ohio Wisconsin NORTH CENTRAL (WEST) Iowa Kansas Minnesota Missouri Nebraska North Dakota South Dakota NORTHEAST Connecticut Delaware Maine Massachusetts New Hampshire New Jersey New York Pennsylvania Rhode Island Vermont SOUTH (EAST) District of Columbia Florida Georgia Kentucky Maryland North Carolina South Carolina Tennessee Virginia West Virginia PACIFIC Alaska California Hawaii Nevada Oregon Washington SOUTH (WEST) Alabama Arkansas Louisiana Mississippi Oklahoma Texas

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