Slide 4:

The title of this slide is "Low Income Credit Use." The line-graph chart on this slide is entitled "CCCI Index for Under $25K Income." To the right of the chart are two bullet points: (1) Low income consumers are using more and more credit; and (2) Increases are more pronounced for low income than high income.

The chart shows two lines of data over the 35 periods that the Cambridge Consumer Credit Index has been conducted. The first line represents specific data points for the Cambridge Consumer Credit Index for Under $25K, and the second line represents the linear trend line of the Cambridge Consumer Credit Index for Under $25K. The line with data points shows the index going between approximately 55 and 70 for the first 11 time periods, then going to 80 in the 12th time period, generally going between 55 and 80 from the 13th to the 32nd time period, going to an all-time high of almost 90 in the 33rd time period, and ending at just over 70 in the 35th time period. The linear trend line trends upward, beginning at 60 in the first time period and ending just over 70 in the 35th time period.

The source of the slide is Cambridge Consumer Credit Index.