Attachment 7 MeasuresDimensionsDefinitions_20110314 -.pdf

CFPB Credit Card Metrics - Analyzer Tool Definitions - Measures

Page 140 MeasuresDimensionsDefinitions_20100514.xls

Numerator Denominator

1 10 - Loan Characteristics Account Count Total Number of accounts that are open or closed with a balance at the end of the cycle (similar to all standard reports). Total Number of Open Accounts in Population

2 10 - Loan Characteristics Ave Average Daily Balance Average of the ADB of accounts Sum of (Cycle Beginning Balance + Cycle Ending Balance) / 2 Total Number of Open Accounts in Population

3 10 - Loan Characteristics Ave Credit Line Size Average of current credit limit or commitment of accounts Sum of Credit Line for Open Accounts. For Closed/Frozen Accounts in Reporting population, Sum of Cycle Ending Balances Total Number of Open Accounts in Population

4 10 - Loan Characteristics Ave Cycle Beginning Balance Average of the cycle beginning balance of accounts Sum of Cycle beginning balance Total Number of Open Accounts in Population 5 10 - Loan Characteristics Ave Cycle Ending Balance Average of the cycle ending balance of accounts Sum of Cycle ending balance Total Number of Open Accounts in Population 6 10 - Loan Characteristics Ave Cycle Ending Balance Cash Average of the cycle ending balance priced at cash APRs Sum of Cycle ending balance priced at Cash APR Total Number of Open Accounts in Population

7 10 - Loan Characteristics Ave Cycle Ending Balance Other Average of the cycle ending balance that is not priced at cash, penalty or promotional APR

Sum of cycle ending balance that is not priced at cash, penalty or promotional APR Total Number of Open Accounts in Population

8 10 - Loan Characteristics Ave Cycle Ending Balance Penalty Average of the cycle ending balance priced at penalty rates Sum of Cycle ending balance priced at penalty rates Total Number of Open Accounts in Population

9 10 - Loan Characteristics Ave Cycle Ending Balance Promotional Average of the cycle ending balance priced at promotional APRs Sum of Cycle ending balance priced at promotional APRs Total Number of Open Accounts in Population

10 10 - Loan Characteristics Average Daily Balance Total ADB of Open accounts Sum of (Cycle Beginning Balance + Cycle Ending Balance / 2) Total Number of Open Accounts in Population

11 10 - Loan Characteristics Current Credit Limit Total current credit limit Sum of Credit Line for Open Accounts. For Closed/Frozen Accounts in Reporting population, Sum of Cycle Ending Balances

12 10 - Loan Characteristics Cycle Beginning Balance Total Outstanding at Beginning of Cycle Sum of Balances at Beginning of Cycle 13 10 - Loan Characteristics Cycle Ending Balance Total Outstanding at Ending of Cycle Sum of Balances at Ending of Cycle 14 10 - Loan Characteristics Cycle Ending Balance Cash Total cycle ending balance priced at cash APRs Sum of Balances at Ending of Cycle priced at Cash APR

15 10 - Loan Characteristics Cycle Ending Balance Other Total cycle ending balance that is not priced at cash, penalty or promotional APR

Sum of Balances at Ending of Cycle priced not priced at Promotional APR,Cash and Penalty APR

16 10 - Loan Characteristics Cycle Ending Balance Penalty Total cycle ending balance priced at cash APRs Sum of the cycle ending balance priced at penalty rates 17 10 - Loan Characteristics Cycle Ending Balance Promotional Total cycle ending balance priced at cash APRs Sum of the cycle ending balance priced at promotional APRs

19 10 - Loan Characteristics Unfunded Commitment Total Unused Credit Lines

Note: For accounts that are over limit, unfunded commitment = 0

Sum of Current Credit Limit - Sum of Cycle Ending balance

20 20 - Borrower Characteristic ADB Weighted Refreshed Fico Score

Weighted Average of Refreshed FICO and ADB Over Total ADB

ADB is computed as average of cycle beginning and ending balances

Sum of Adb** weighted fico score of accounts in population with valid score Sum of Adb** (cycle) of accounts in population with valid score

21 20 - Borrower Characteristic Ave Age of Accts on Books (Mos.)

1. Average months on books per account

2. Months as books is defined as the number of months between the end of the month and the account origination date. For example, if an account originated on Jan 10th, 2009, its month books at the end of January would be 0 months, at the end of February 2009, it would be 1 month, and so on.

Sum of months of books of all accounts in population Number of open accounts in population

22 20 - Borrower Characteristic Ave Borrower Income Average of borrower income Total Borrower Income for Open Accounts Number of Open accounts in population 23 20 - Borrower Characteristic Ave Original Credit Limit Average of original credit limit Total Original Credit Line for Open Accounts Number of Open accounts in population

24 20 - Borrower Characteristic Ave Origination Fico Score Average of origination fico score Total Sum of Valid Origination FICO Score of Open Accounts Number of Open accounts in population with Valid Origination FICO Score

25 20 - Borrower Characteristic Ave Refreshed Fico Score Average of refreshed fico score Total Sum of Valid Refreshed FICO Score of Open Accounts Number of Open accounts in population with Valid Refreshed FICO Score

26 20 - Borrower Characteristic Credit Line Weighted Refreshed Fico Score Weighted Average of Refreshed FICO and credit limit Over total credit limit Sum of credit limit weighted fico score of accounts in population with valid score Sum of current credit line of accounts in population with valid score

27 30 - Pricing & Fees # of Accts with Annual Fee Number of accounts that have been assessed an Annual fee Number of accounts that have been assessed an Annual fee

28 30 - Pricing & Fees # of Accts with Late Fee Number of accounts that have been assessed a late fee Number of accounts that have been assessed a late fee 29 30 - Pricing & Fees # of Accts with APR Decrease Number of accounts who had a decrease in their retail APR Number of accounts who had a decrease in their retail APR

30 30 - Pricing & Fees % of Accts with APR Decrease Percentage of accounts who had a decrease in their retail APR Number of accounts that had a decrease in their retail APR Number of Open accounts in population

31 30 - Pricing & Fees # of Accts with APR Increase Number of accounts who had an increase in their retail APR Number of accounts who had an increase in their retail APR

32 30 - Pricing & Fees % of Accts with APR Increase Percentage of accounts who had an increase in their retail APR Number of accounts that had a increase in their retail APR Number of Open accounts in population

33 30 - Pricing & Fees # of Accts with Balance Transfer Fee Number of accounts that have been assessed a balance transfer fee Number of accounts that have been assessed a balance transfer fee

34 30 - Pricing & Fees # of Accts with Cash Advance Fee Number of accounts that have been assessed a cash advance fee Number of accounts that have been assessed a cash advance fee

35 30 - Pricing & Fees # of Accts with Debt Suspension Fee Number of accounts that have been assessed a debt suspension fee Number of accounts that have been assessed a debt suspension fee

36 30 - Pricing & Fees # of Accts with NSF Fee Number of accounts that have been assessed a NSF fee Number of accounts that have been assessed a NSF fee

37 30 - Pricing & Fees # of Accts with OCL Fee Number of accounts that have been assessed an over limit fee Number of accounts that have been assessed an over limit fee

38 30 - Pricing & Fees Balance of Accts with APR Decrease Sum of cycle ending balance of accounts who had a decrease in their retail APR Sum of cycle ending balance of accounts who had a decrease in their retail APR

S.No Measure Name Metric Definition Metric Calculation

Folder Name pichetl Typewritten Text pichetl Typewritten Text

ATTACHMENT 7

Page 141 MeasuresDimensionsDefinitions_20100514.xls

Numerator DenominatorS.No Measure Name Metric DefinitionFolder Name

39 30 - Pricing & Fees Balance of Accts with APR Increase Sum of cycle ending balance of accounts who had an increase in their retail APR

Sum of cycle ending balance of accounts who had an increase in their retail

APR

40 30 - Pricing & Fees % of Accts with Late Fee Percentage of accounts that have been assessed a late fee Number of accounts that have been assessed a late fee Number of Open accounts in population

41 30 - Pricing & Fees % of Accts with NSF Fee Percentage of accounts that have been assessed a NSF fee Number of accounts that have been assessed a NSF fee Number of Open accounts in population

42 30 - Pricing & Fees % of Accts with OCL Fee Percentage of accounts that have been assessed an over limit fee Number of accounts that have been assessed a over limit fee Number of Open accounts in population

43 30 - Pricing & Fees % of Balances at Default/Penalty Pricing Percentage of total cycle ending balance that is priced at penalty rates

Sum of the cycle ending balance priced at penalty rates Sum of cycle ending balance

44 30 - Pricing & Fees % of Balances at Promotional Pricing Percentage of total cycle ending balance that is priced at promotional rates Sum of the cycle ending balance priced at promotional rates Sum of cycle ending balance

45 30 - Pricing & Fees Ave Balance Transfer/Check Fee Assessed Average balance transfer or convenience check fee assessed for accounts with a balance transfer or convenience check fee Sum of balance transfer or convenience check fees Count of accounts with balance transfer or convenience check fees

46 30 - Pricing & Fees Ave Cash Advance Fee Assessed Average cash advance fee assessed for accounts with a cash advance fee Sum of cash advance fees Count of accounts with a cash advance fee

47 30 - Pricing & Fees Ave Debt Suspension Fee Assessed Average debt suspension fee assessed for accounts with a debt suspension fee Sum of debt suspension fees Count of accounts with debt suspension fee

48 30 - Pricing & Fees Ave Late Fee Assessed Average late fee assessed for accounts with a late fee Sum of late fees Count of accounts with a late fee

49 30 - Pricing & Fees Ave Monthly Revenue

Average monthly revenue of account

Monthly Revenue of an account = Finance charges + All Fees + Interchange

Currently, we do not receive any data on interchange and hence interchange has been set to zero for all accounts

Sum of Monthly Revenue Number of Open accounts in population

50 30 - Pricing & Fees Ave Over limit Fee Assessed Average over limit fee assessed for accounts with an over limit fee Sum of over limit fees Count of accounts with an over limit fee

51 30 - Pricing & Fees Ave Repriced Decrease Average magnitude of decrease in APRs for accounts with a decrease in their retail APR

Sum of repriced - APR in previous month - APR in current month Total Number of Account with a repriced decrease

52 30 - Pricing & Fees Ave Repriced Increase Average magnitude of increase in APRs for accounts with an increase in their retail APR

Sum of Repriced - APR in current month - APR in previous month Total Number of Account with a repriced increase

53 30 - Pricing & Fees Ave Retail APR Average of the retail APR of accounts Sum of retail APR Number of Open accounts in population 54 30 - Pricing & Fees Adb Weighted Retail APR Weighted retail apr (weighted by ADB) Adb Weighted Cycle Ending Retail APR Total Average Daily Balance

55 30 - Pricing & Fees Effective Asset Yield Annualized Annualized monthly revenue as a percentage of total ADB of accounts 12 * Sum of Monthly Revenue Sum of ADB of open accounts

56 30 - Pricing & Fees Effective Finance Charge Yield Annualized Annualized finance charges as a percentage of total ADB of accounts 12 * Sum of Finance Charges Sum of ADB of open accounts

57 30 - Pricing & Fees Finance Chg Total of finance charges assessed Sum of finance charges assessed 58 30 - Pricing & Fees Net Annual AMF Fee Total of annual fees assessed Sum of annual fees assessed 59 30 - Pricing & Fees Net BT Fee Total of balance transfer or convenience check fees Sum of balance transfer or convenience check fees 60 30 - Pricing & Fees Net Cash Advance Fee Total of cash advance fees Sum of cash advance fees 61 30 - Pricing & Fees Net Debt Suspension Fee Total of debt suspension fees Sum of debt suspension fees 62 30 - Pricing & Fees Net Late Fee Total of late fees Sum of late fees 63 30 - Pricing & Fees Net NSF Fee Total of NSF fees Sum of NSF fees 64 30 - Pricing & Fees Net OCL Fee Total of over limit fees Sum of over limit fees 65 30 - Pricing & Fees Net Other Fee Total of other fees Sum of other fees 66 30 - Pricing & Fees Total Fees Total of all fees on the account Sum of all fees on the account

67 40 - Line Management # of Accts OCL Total Number of accounts that are over limit (i.e. cycle ending balance > credit limit)

Sum of number of accounts that are over limit (i.e. cycle ending balance > credit limit)

68 40 - Line Management # of Accts OCL Greater Than Ten Percent Number of accounts that are over limit by more than 10% of their current limit (i.e. cycle ending balance > 1.1 * credit limit)

Number of accounts that are over limit by more than 10% of their current limit (i.e. cycle ending balance > 1.1 * credit limit)

69 40 - Line Management # of Accts with CLD Number of accounts that had a decrease in their current credit limit from last period

Number of accounts that had a decrease in their current credit limit from last period

70 40 - Line Management # of Accts with CLI Number of accounts that had an increase in their current credit limit from last period

Number of accounts that had an increase in their current credit limit from last period

71 40 - Line Management # of Closed Accts Total Number of Closed Accounts Total Number of Closed Accounts

72 40 - Line Management $ Commit Decreased Due to CLD Sum of credit limit decreases for all accounts with a credit limit decrease Sum of credit limit decreases for all accounts with a credit limit decrease

73 40 - Line Management $ Commit Increased Due to CLI Sum of credit limit increases for all accounts with a credit limit increase Sum of credit limit increases for all accounts with a credit limit increase

74 40 - Line Management % of Accts OCL Percentage of accounts that are over limit Number of accounts that are over limit Number of Open accounts in population

75 40 - Line Management % of Accts OCL Greater Than Ten Percent Percentage of accounts that are over limit by more than 10% of their current credit limit Number of accounts that are over limit by more than 10% of their credit limit Number of Open accounts in population

76 40 - Line Management % of Accts with CLD Percentage of accounts that had a decrease in their current credit limit Number of accounts that had a decrease in their current credit limit Number of Open accounts in population

77 40 - Line Management % of Accts with CLI Percentage of accounts that had an increase in their current credit limit Number of accounts that had an increase in their current credit limit Number of Open accounts in population

78 40 - Line Management Balances of Accts with CLD Sum of Balances of Accounts that had a decrease in their current credit limit Sum of Balances of Accounts that had a decrease in their current credit limit

Page 142 MeasuresDimensionsDefinitions_20100514.xls

Numerator DenominatorS.No Measure Name Metric DefinitionFolder Name

79 40 - Line Management Balances of Accts with CLI Sum of Balances of Accounts that had an increase in their current credit limit Sum of Balances of Accounts that had an increase in their current credit limit

80 50 - Usage Behavior # of Accts with a BT or Check Number of accounts with a balance transfer or convenience check Number of accounts with a balance transfer or convenience check

81 50 - Usage Behavior # of Accts with a Cash Advance Number of accounts with a cash advance Number of accounts with a cash advance 82 50 - Usage Behavior # of Accts with a Purchase Number of accounts with a purchase Number of accounts with a purchase 83 50 - Usage Behavior # of Revolvers Number of accounts that are revolving Refer to Population definitions for definition of Revolver Account 84 50 - Usage Behavior # of Transactors Number of accounts that are transacting Refer to Population definitions for definition of Transacting Account

85 50 - Usage Behavior % of Accts with a BT or Check Percentage of accounts with a balance transfer or convenience check Number of accounts with a balance transfer or convenience check Number of Open accounts in population

86 50 - Usage Behavior % of Accts with a Cash Advance Percentage of accounts with a cash advance Number of accounts with a cash advance Number of Open accounts in population 87 50 - Usage Behavior % of Accts with a Purchase Percentage of accounts with a purchase Number of accounts with a purchase Number of Open accounts in population 88 50 - Usage Behavior % of Revolvers - # Percentage of accounts that are revolving Number of accounts that are revolving Number of Open accounts in population 89 50 - Usage Behavior % of Transactors - # Percentage of accounts that are transacting Number of accounts that are transacting Number of Open accounts in population

90 50 - Usage Behavior Ave Bal for Accts that Revolve Average cycle ending balance of account that are revolving

Refer to Population Definition for Revolving Account Definition Sum of cycle ending balance of account that revolving Number of Open accounts in population which are revolving

91 50 - Usage Behavior Ave Bal for Accts that Transact

Average cycle ending balance of account that are transacting

Refer to Population Definition for Revolving Account Definition

Sum of cycle ending balance of account that transacting Number of Open accounts in population which paid in full

92 50 - Usage Behavior Ave Monthly Balance Transfer/Check Volume Average balance transfer or convenience check amount for accounts with a balance transfer or convenience check Sum of balance transfer or convenience check amount Number of account with a balance transfer or convenience check

93 50 - Usage Behavior Ave Monthly Cash Advance Volume Average cash advance amount for accounts with a cash advance Sum of cash advance amount Number of account with a cash advance

94 50 - Usage Behavior Ave Monthly Purchase Volume Average purchase amount for accounts with a purchase Sum of purchase amount Number of account with a purchase 95 50 - Usage Behavior Balance Transfer Volume Sum of balance transfer or convenience check amount Sum of balance transfer or convenience check amount 96 50 - Usage Behavior Cash Advance Volume Sum of cash advance amount Sum of cash advance amount 97 50 - Usage Behavior Purchase Volume Sum of purchase amount Sum of purchase amount

98 50 - Usage Behavior Utilization Rate Sum of cycle ending balance as a percentage of sum of current credit limit Sum of cycle ending balance

Sum of current credit limit

99 60 - Payment Behavior # of Accts Making Min Payment Number of account making a payment equal to their minimum payment due.

An account in considered to be making a minimum payment if

a. The account is required to make a minimum payment i.e. previous cycle minimum payment due > 0

AND

b. If the account has a cycle ending balance < $250 then if its payment >= minimum payment due and payment < 10% of minimum payment due (i.e. over payment of 10% is still considered as making minimum payments)

OR

If the account has a cycle ending balance >= $250 then if its payment >= minimum payment due and payment < 5% of minimum payment due (i.e. over payment of 10% is still considered as making minimum payments)

Note: An account with no minimum payment due in previous month would be excluded from the above calculation

100 60 - Payment Behavior # of Accts Paid in Full Number of accounts that paid in full

An account in considered to be have paid in full if

a. The account had a beginning balance (i.e. cycle beginning balance > 0)

AND

b. its payment >= cycle beginning balance

Note: This is same as a transacting account

101 60 - Payment Behavior # of Skip a Pay Accts Number of accounts that opted for a promotional skip a payment

102 60 - Payment Behavior % of Accts Making Min Payment Number of accounts making a payment equal to their minimum payment due among accounts as a percentage of accounts that were required to make a payment

An account is considered to be required to make a minimum payment if its previous cycle minimum payment due > 0

Number of accounts making a payment equal to their minimum payment due Number of accounts required to make a payment

Page 143 MeasuresDimensionsDefinitions_20100514.xls

Numerator DenominatorS.No Measure Name Metric DefinitionFolder Name

103 60 - Payment Behavior % of Accts Paid in Full Number of accounts that paid in full as a percentage of accounts that have cycle beginning balance greater then zero

An account is considered to be required to make a minimum payment if its previous cycle minimum payment due > 0

Number of accounts that paid in full

Number of accounts that have cycle beginning balance greater then zero

104 60 - Payment Behavior % of Balances Making Min Payment Percentage of cycle ending balances that are making minimum payment Sum of cycle ending balances of accounts making minimum payment Sum of cycle ending balances

105 60 - Payment Behavior % of Balances Paid In Full Percentage of cycle ending balances that are paid in full Sum of cycle ending balance of accounts that are paid in full Sum of cycle ending balances

106 60 - Payment Behavior % of Skip a Pay Accts Percentage of accounts that opted for a promotional skip a payment Number of accounts that opted for a promotional skip a payment Number of Open accounts in population

107 60 - Payment Behavior Actual Payment Amount Sum of payment amount of all account Sum of payment amount of all account

108 60 - Payment Behavior Ave Minimum Payment Due Average minimum payment due among who had a minimum payment due Sum of minimum payment due Number of accounts with minimum payment due > 0

109 60 - Payment Behavior Ave Monthly Payment Amount Average monthly payment of all accounts Sum of payment amount Account Count

110 60 - Payment Behavior Ave Monthly Payment Rate Total payment amount as a percentage of the total cycle beginning balance Sum of payment amount Sum of cycle beginning balance

111 60 - Payment Behavior Balance of Accts Making Min Payment Sum of cycle ending balances of account making a payment equal to their minimum payment due.

Sum of cycle ending balances of account making a payment equal to their minimum payment due.

112 60 - Payment Behavior Balance of Accts Paid In Full Sum of cycle ending balances of accounts that paid in full Sum of cycle ending balances of accounts that paid in full 114 60 - Payment Behavior Minimum Payment Due Sum of minimum payment due Sum of minimum payment due 115 60 - Payment Behavior Minimum Payment Due Rate (% of ending balance) Minimum payment due as percent of the ending balance Sum of minimum payment due sum of ending balance 116 60 - Payment Behavior Total Payment Due Sum of total payment due Sum of total payment due

117 70 - Performance # of Accts 1 Cycle Past Due Number of accounts that are 1 cycles past due (i.e. 1-29 days past due) Number of accounts that are 1 cycles past due (i.e. 1-29 days past due)

118 70 - Performance # of Accts 2 Cycles Past Due Number of accounts that are 2 cycles past due (i.e. 30-59 days past due) Number of accounts that are 2 cycles past due (i.e. 30-59 days past due)

119 70 - Performance # of Accts 2+ Cycles Past Due Number of accounts that are 2+ cycles past due (i.e. 30+ days past due) Number of accounts that are 2+ cycles past due (i.e. 30+ days past due)

120 70 - Performance # of Accts 3 Cycles Past Due Number of accounts that are 3 cycles past due (i.e. 60-89 days past due) Number of accounts that are 3 cycles past due (i.e. 60-89 days past due)

121 70 - Performance # of Accts 3+ Cycles Past Due Number of accounts that are 3+ cycles past due (i.e. 60+ days past due) Number of accounts that are 3+ cycles past due (i.e. 60+ days past due)

122 70 - Performance # of Accts 4 Cycles Past Due Number of accounts that are 4 cycles past due (i.e. 90-119 days past due) Number of accounts that are 4 cycles past due (i.e. 90-119 days past due)

123 70 - Performance # of Accts 4+ Cycles Past Due Number of accounts that are 4+ cycles past due (i.e. 90+ days past due) Number of accounts that are 4+ cycles past due (i.e. 90+ days past due)

124 70 - Performance # of Accts charged-off in current month Number of accounts charged-off in current month Number of accounts charged-off in current month

125 70 - Performance # of Accts that are current Number of accounts that are current Number of accounts that are current 126 70 - Performance # of Accts that are delinquent Number of Accounts that are delinquent Number of Accounts that are delinquent

127 70 - Performance $ of Accts 2+ Cycles Past Due Sum of cycle ending balance of accounts that are 2+ cycles past due (i.e. 30+ days past due)

Sum of cycle ending balance of accounts that are 2+ cycles past due (i.e. 30+ days past due)

128 70 - Performance $ of Accts 3+ Cycles Past Due Sum of cycle ending balance of accounts that are 3+ cycles past due (i.e. 60+ days past due)

Sum of cycle ending balance of accounts that are 3+ cycles past due (i.e. 60+ days past due)

129 70 - Performance $ of Accts 4+ Cycles Past Due Sum of cycle ending balance of accounts that are 4+ cycles past due (i.e. 90+ days past due)

Sum of cycle ending balance of accounts that are 4+ cycles past due (i.e. 90+ days past due)

130 70 - Performance % of Accts 2 Cycles Past Due Percentage of accounts that are 2 cycles past due (i.e. 30-59 days past due) Number of accounts that are 2 cycles past due (i.e. 30-59 days past due) Number of Open accounts in population

131 70 - Performance % of Accts 2+ Cycles Past Due Percentage of accounts that are 2+ cycles past due (i.e. 30+ days past due) Number of accounts that are 2+ cycles past due (i.e. 30+ days past due) Number of Open accounts in population

132 70 - Performance % of Accts 3 Cycles Past Due Percentage of accounts that are 3 cycles past due (i.e. 60-89 days past due) Number of accounts that are 3 cycles past due (i.e. 60-89 days past due) Number of Open accounts in population

133 70 - Performance % of Accts 3+ Cycles Past Due Percentage of accounts that are 3+ cycles past due (i.e. 60+ days past due) Number of accounts that are 3+ cycles past due (i.e. 60+ days past due) Number of Open accounts in population

134 70 - Performance % of Accts 4 Cycles Past Due Percentage of accounts that are 4 cycles past due (i.e. 90-119 days past due) Number of accounts that are 4 cycles past due (i.e. 90-119 days past due) Number of Open accounts in population

135 70 - Performance % of Accts 4+ Cycles Past Due Percentage of accounts that are 4+ cycles past due (i.e. 90+ days past due) Number of accounts that are 4+ cycles past due (i.e. 90+ days past due) Number of Open accounts in population

136 70 - Performance % of Balances 2 Cycles Past Due Percentage of cycle ending balances that are 2 cycles past due (i.e.

30-59 days past due)

Sum of cycle ending balance of accounts that are 2 cycles past due (i.e. 30-59 days past due) Sum of cycle ending balances

137 70 - Performance % of Balances 2+ Cycles Past Due Percentage of cycle ending balances that are 2+ cycles past due (i.e. 30+ days past due)

Sum of cycle ending balance of accounts that are 2+ cycles past due (i.e. 30+ days past due) Sum of cycle ending balances

138 70 - Performance % of Balances 3 Cycles Past Due Percentage of cycle ending balances that are 3 cycles past due (i.e.

60-89 days past due)

Sum of cycle ending balance of accounts that are 3 cycles past due (i.e. 60-89 days past due) / Sum of cycle ending balances Sum of cycle ending balances

139 70 - Performance % of Balances 3+ Cycles Past Due Percentage of cycle ending balances that are 3+ cycles past due (i.e. 60+ days past due)

Sum of cycle ending balance of accounts that are 3+ cycles past due (i.e. 60+ days past due) Sum of cycle ending balances

140 70 - Performance % of Balances 4 Cycles Past Due Percentage of cycle ending balances that are 4 cycles past due (i.e.

90-119 days past due)

Sum of cycle ending balance of accounts that are 4 cycles past due (i.e. 90-119 days past due) Sum of cycle ending balances

141 70 - Performance % of Balances 4+ Cycles Past Due Percentage of cycle ending balances that are 4+ cycles past due (i.e. 90+ days past due)

Sum of cycle ending balance of accounts that are 4+ cycles past due (i.e. 90+ days past due) Sum of cycle ending balances

143 70 - Performance Annualized Gross C/O Rate - Total Percentage of balances charged-off in current month 12 * Sum of gross-charge off amount of accounts charged-off in current month Sum of cycle ending balances

Page 144 MeasuresDimensionsDefinitions_20100514.xls

Numerator DenominatorS.No Measure Name Metric DefinitionFolder Name

144 70 - Performance Ave Delinquent Balance Average delinquent balance An account is considered to be delinquent if it is more than 1 cycle past due.

Sum of cycle ending balance of accounts that are more than 1 cycle past due Number of accounts that are more than 1 cycle past due

145 70 - Performance Balances of Accts 1 Cycles Past Due Total of cycle ending balances that are 1 cycles past due Sum of cycle ending balance of accounts that are 1 cycles past due 146 70 - Performance Balances of Accts 2 Cycles Past Due Total of cycle ending balances that are 2 cycles past due Sum of cycle ending balance of accounts that are 2 cycles past due 147 70 - Performance Balances of Accts 3 Cycles Past Due Total of cycle ending balances that are 3 cycles past due Sum of cycle ending balance of accounts that are 3 cycles past due 148 70 - Performance Balances of Accts 4 Cycles Past Due Total of cycle ending balances that are 4 cycles past due Sum of cycle ending balance of accounts that are 4 cycles past due 149 70 - Performance Balance of Accts that are current Total of cycle ending balance of accounts that are current Sum of cycle ending balance of accounts that are current

150 70 - Performance Balance of Accts that are delinquent Total of cycle ending balance of accounts that are delinquent Sum of cycle ending balance of accounts that are delinquent

151 70 - Performance Gross Charge off Amount Total of gross charge-off amount for Accounts Charged Off In Current Month Sum of gross charge-off amount for Accounts Charged Off In Current Month

152 70 - Performance Interest and Fee Chargeoff Amount Total of Interest and Fee charge-off amount for Accounts Charged Off In Current Month

Sum of Interest and Fee charge-off amount for Accounts Charged Off In Current Month

153 70 - Performance Principal Chargeoff Amount Total of Principal charge-off amount for Accounts Charged Off In Current Month Sum of Principal charge-off amount for Accounts Charged Off In Current Month

155 80 - Workout & Reage # of Accts Collections Reaged this Month Number of accounts that have been reaged by customer service in the current month

An account is considered to be reaged if it has a collection Reage date in current month

156 80 - Workout & Reage # of Accts Customer Service Reaged this Month Number of accounts that have been reaged by collections in the current month

An account is considered to be reaged if it has a customer service Reage date in current month

157 80 - Workout & Reage % of Accts Collections Reaged this Month Percentage of accounts that have been reaged by collections in the current month Number of accounts that have been reaged by collections in the current month Number of Open accounts in population

158 80 - Workout & Reage % of Accts Customer Service Reaged this Month Percentage of accounts that have been reaged by customer service in the current month

Number of accounts that have been reaged by customer service in the current month Number of Open accounts in population

159 80 - Workout & Reage # of Accounts in Workout No. of Accounts Entering Workout in this period No. of Accounts Entering Workout in this period

160 80 - Workout & Reage % of Balances in a Workout Program Percentage of Balances in a Workout Program Sum of cycle ending balance of accounts in a workout program Sum of cycle ending balances of Open Accounts in Population

161 80 - Workout & Reage % of Delinquent Balances in Workout Percentage of Delinquent Balances in Workout Sum of cycle ending balance of accounts that are in a workout program and are delinquent Sum of cycle ending balance of accounts that are delinquent

162 80 - Workout & Reage Balance of Accts in a Workout program Sum of ending balance for accts in a Workout Program Sum of ending balance for accts in a Workout Program

Measures