Visa Bankruptcy Education Services Bankruptcy Statistics December 1, 2016

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Bankruptcy Filings per Week Total Week 47 – 12,285 Filings Year Actual Growth 2015 798,690 -10.2% 2015 YTD ( 11/26/2015) 736,306 2016 YTD ( 11/26/2016) 691,409 -6.1% 2016 Forecast 750,000 2017 Forecast From 800,000 To 900,000 2018 Forecast From 850,000 To 1,000,000

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

Bankruptcy Filings per Month Total Month 10 – 61,216 Filings Year Actual Growth 2015 798,690 -10.2% 2015 YTD ( 10/31/2015) 683,105 2016 YTD ( 10/31/2016) 635,573 -7.0% 2016 Forecast 750,000 -6.1% 2017 Forecast From 800,000 To 900,000 2018 Forecast From 850,000 To 1,000,000

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 10/31/2015 vs. 10/31/2016 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 8.5 percent decline for 2016, a 13.3 percent growth for 2017, and a 8.8 percent growth for 2018. Source: 1978-2015 Administrative Office of the U.S. Courts

Bankruptcy Filings per Week Puerto Rico Week 47 – 169 Filings All courts were open for four days. Bankruptcy Courts were closed on November 24th for Thanksgiving Day. Year Actual Growth 2011 10,896 -9.5% 2012 10,158 -6.8% 2013 10,735 5.7% 2014 10,605 -1.2% 2015 10,177 -4.0% 2015 YTD ( 11/26/2015) 9,199 2016 YTD ( 11/26/2016) 9,237 0.4%

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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