Report Date	Net Credit Card Charge-off Rates	Number of Personal Bankruptcy Filings (dollars in thousands)
31-Mar-84	1.32%	72
30-Jun-84	1.42%	72
30-Sep-84	1.53%	71
31-Dec-84	1.73%	70
31-Mar-85	1.89%	73
30-Jun-85	2.19%	84
30-Sep-85	2.49%	88
31-Dec-85	2.76%	96
31-Mar-86	2.98%	103
30-Jun-86	3.02%	114
30-Sep-86	3.08%	116
31-Dec-86	3.11%	116
31-Mar-87	3.15%	117
30-Jun-87	3.02%	123
30-Sep-87	2.76%	124
31-Dec-87	2.91%	127
31-Mar-88	2.83%	134
30-Jun-88	2.92%	138
30-Sep-88	2.89%	137
31-Dec-88	2.94%	139
31-Mar-89	2.92%	145
30-Jun-89	3.03%	158
30-Sep-89	2.86%	153
31-Dec-89	3.13%	161
31-Mar-90	3.08%	167
30-Jun-90	3.33%	180
30-Sep-90	3.47%	177
31-Dec-90	3.80%	194
31-Mar-91	4.14%	213
30-Jun-91	4.76%	228
30-Sep-91	4.77%	214
31-Dec-91	4.64%	217
31-Mar-92	4.84%	234
30-Jun-92	4.97%	233
30-Sep-92	4.32%	220
31-Dec-92	4.53%	212
31-Mar-93	3.96%	206
30-Jun-93	3.94%	213
30-Sep-93	3.57%	200
31-Dec-93	3.39%	193
31-Mar-94	3.24%	193
30-Jun-94	3.07%	203
30-Sep-94	2.92%	195
31-Dec-94	2.98%	190
31-Mar-95	2.86%	200
30-Jun-95	3.30%	222
30-Sep-95	3.61%	221
31-Dec-95	3.96%	232
31-Mar-96	4.15%	253
30-Jun-96	4.45%	283
30-Sep-96	4.38%	290
31-Dec-96	4.65%	298
31-Mar-97	4.94%	321
30-Jun-97	5.22%	353
30-Sep-97	5.38%	340
31-Dec-97	5.34%	335
31-Mar-98	5.12%	342
30-Jun-98	5.39%	362
30-Sep-98	5.26%	351
31-Dec-98	5.10%	343
31-Mar-99	4.89%	322
30-Jun-99	4.22%	336
30-Sep-99	4.37%	315
31-Dec-99	4.38%	310
31-Mar-00	4.51%	303
30-Jun-00	4.16%	312
30-Sep-00	4.23%	301
31-Dec-00	4.68%	302
31-Mar-01	4.44%	357
30-Jun-01	5.09%	390
30-Sep-01	5.17%	350
31-Dec-01	6.42%	355
31-Mar-02	7.69%	369
30-Jun-02	6.07%	391
30-Sep-02	5.77%	392
31-Dec-02	5.47%	386
31-Mar-03	5.75%	404
30-Jun-03	6.03%	431
30-Sep-03	5.46%	405
31-Dec-03	5.78%	385
31-Mar-04	5.63%	397
30-Jun-04	5.64%	413
30-Sep-04	4.67%	389
31-Dec-04	4.94%	364