AIS INSIGHT M AY

ABOUT AIS INSIGHT AIS INSIGHT Keeping you up to speed on the latest statistics affecting your industry and your business. AIS InSight is a proprietary report created by American InfoSource using data derived solely from information obtained from the Federal Bankruptcy Court System and the latest in bankruptcy analytical tools. AIS INSIGHT M AY 2 0 1 6 CONTENTS American InfoSource is your resource for industry analytics, trends, and insider information. AIS InSight is produced monthly for you to stay up to speed on the latest statistics affecting your industry and your business. Bankruptcy Filings & Projected Filing Trends 2 Bankruptcy Statistics Snapshot 3 Bankruptcy Filings by Region - Charts 4 Bankruptcy Filings by Court - Table 5 Top 25 Creditors Listed in Bankruptcies - Chart 10 Top 50 Creditors Listed in Bankruptcies - Table 11 Top 50 Creditors Filing Claims and Amount Filed 13 PRODUCT SPOTLIGHT AIS REDACTION REMEDIATION SERVICES FAST, ACCURATE & AFFORDABLE! Gives creditors a verifiable solution for quickly and accurately redacting items containing personal identifying information, as required by federal bankruptcy rules. Our experts will partner with your team to prepare a corrective action plan focused on the redaction of Proofs of Claim, Objections to Plan, Reaffirmation Agreements, Lifts of Stay, and their attachments. For more information call 877-247-7253 or contactnow@americaninfosource.com Top 25 Creditors Actively Filing Claims 18 Top 25 Creditors Actively Filing Claims in Dollar Amount 19 AMERICAN INFOSOURCE Driving Business Process Performance. www.americaninfosource.com 877.247.7253 Houston, Texas

Bankruptcy Filings & Projected Filing Trends 100000 80000 60000 About this chart 40000 Bankruptcies Source: American InfoSource Internal Statistics 2

Bankruptcy Statistics Snapshot M AY 2 0 1 6 Total Bankruptcies Filed 66,082 Total Bankruptcies Filed last 12 months 798,101 Chapter 13 23,257 Total Bankruptcies Filed prev. Month 70,455 Chapter 7 42,079 Total Bankruptcies Filed prev. Year (same month) 69,339 Increase from Previous Month -6.21% Increased Bankruptcies from prev. Month Total -4,373 Increase from Previous Year (same month) -4.70% Increased Bankruptcies from prev. Year Total (same month) -3,257 120000 100000 80000 60000 40000 20000 0 Chapter 7 Chapter 13 About this chart This chart shows Ch7 & Ch13 bankruptcies filed over a five-year period Source: American InfoSource Internal Statistics 3

Bankruptcy Filings by Region 20,000 18,000 South (East) 27% South (West) 12% Mountain 7% North Central (East) 21% 16,000 14,000 12,000 10,000 Pacific 14% Northeast 13% North Central (West) 6% 8,000 6,000 4,000 2,000 0 About these charts REGION STATES 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 Pacific Alaska, California, Hawaii, Guam, Nevada, Oregon, Washington South (East) District of Columbia, Florida, Georgia, Kentucky, Maryland, North Carolina, Puerto Rico, South Carolina, Tennessee, Virgin Islands, Virginia, West Virginia South (West) Alabama, Arkansas, Louisiana, Mississippi, Oklahoma, Texas 4

Bankruptcy Filings by Court Court CH 7 CH 11 CH 12 CH 13 TOTAL DISTRICT OF ALASKA 23 3 8 34 MIDDLE DISTRICT OF ALABAMA 125 486 611 NORTHERN DISTRICT OF ALABAMA 516 4 550 1,070 SOUTHERN DISTRICT OF ALABAMA 107 2 258 367 EASTERN DISTRICT OF ARKANSAS 231 1 290 522 WESTERN DISTRICT OF ARKANSAS 144 101 245 DISTRICT OF ARIZONA 1,159 16 224 1,399 CENTRAL DISTRICT OF CALIFORNIA 2,586 31 1 829 3,447 EASTERN DISTRICT OF CALIFORNIA 894 3 2 288 1,187 NORTHERN DISTRICT OF CALIFORNIA 446 10 377 833 SOUTHERN DISTRICT OF CALIFORNIA 504 3 142 649 DISTRICT OF COLORADO 954 7 213 1,174 DISTRICT OF CONNECTICUT 373 4 91 468 DISTRICT OF WASHINGTON, D.C. 50 1 13 64 DISTRICT OF DELAWARE 147 54 58 259 MIDDLE DISTRICT OF FLORIDA 1,390 19 621 2,030 NORTHERN DISTRICT OF FLORIDA 148 2 40 190 SOUTHERN DISTRICT OF FLORIDA 800 17 1 711 1,529 MIDDLE DISTRICT OF GEORGIA 218 1 3 411 633 NORTHERN DISTRICT OF GEORGIA 1,228 9 1,137 2,374 Continued on next page 5

Bankruptcy Filings by Court Court CH 7 CH 11 CH 12 CH 13 TOTAL SOUTHERN DISTRICT OF GEORGIA 92 1 406 499 DISTRICT OF GUAM 9 2 11 DISTRICT OF HAWAII 74 35 109 NORTHERN DISTRICT OF IOWA 168 2 16 186 SOUTHERN DISTRICT OF IOWA 200 23 223 DISTRICT OF IDAHO 286 35 321 CENTRAL DISTRICT OF ILLINOIS 348 71 419 NORTHERN DISTRICT OF ILLINOIS 1,977 18 1,496 3,491 SOUTHERN DISTRICT OF ILLINOIS 215 88 303 NORTHERN DISTRICT OF INDIANA 653 224 877 SOUTHERN DISTRICT OF INDIANA 916 1 381 1,298 DISTRICT OF KANSAS 335 1 1 205 542 EASTERN DISTRICT OF KENTUCKY 475 194 669 WESTERN DISTRICT OF KENTUCKY 361 1 2 179 543 EASTERN DISTRICT OF LOUISIANA 118 3 128 249 MIDDLE DISTRICT OF LOUISIANA 60 4 59 123 WESTERN DISTRICT OF LOUISIANA 152 8 551 711 DISTRICT OF MASSACHUSETTS 500 24 1 272 797 DISTRICT OF MARYLAND 964 8 465 1,437 DISTRICT OF MAINE 118 1 23 142 Continued on next page 6

Bankruptcy Filings by Court Court CH 7 CH 11 CH 12 CH 13 TOTAL EASTERN DISTRICT OF MICHIGAN 1,440 6 412 1,858 WESTERN DISTRICT OF MICHIGAN 462 2 1 118 583 DISTRICT OF MINNESOTA 699 1 2 124 826 EASTERN DISTRICT OF MISSOURI 596 3 262 861 WESTERN DISTRICT OF MISSOURI 419 174 593 NORTHERN DISTRICT OF MISSISSIPPI 147 1 2 201 351 SOUTHERN DISTRICT OF MISSISSIPPI 262 1 231 494 DISTRICT OF MONTANA 117 13 130 EASTERN DISTRICT OF NORTH CAROLINA 197 6 2 354 559 MIDDLE DISTRICT OF NORTH CAROLINA 175 2 178 355 WESTERN DISTRICT OF NORTH CAROLINA 214 3 165 382 DISTRICT OF NORTH DAKOTA 56 2 1 7 66 DISTRICT OF NEBRASKA 236 3 1 93 333 DISTRICT OF NEW HAMPSHIRE 126 44 170 DISTRICT OF NEW JERSEY 1,355 16 736 2,107 DISTRICT OF NEW MEXICO 248 4 28 280 DISTRICT OF NEVADA 601 10 126 737 EASTERN DISTRICT OF NEW YORK 724 19 250 993 NORTHERN DISTRICT OF NEW YORK 399 1 125 525 SOUTHERN DISTRICT OF NEW YORK 516 77 142 735 Continued on next page 7

Bankruptcy Filings by Court Court CH 7 CH 11 CH 12 CH 13 TOTAL WESTERN DISTRICT OF NEW YORK 275 5 1 83 364 NORTHERN DISTRICT OF OHIO 1,451 2 268 1,721 SOUTHERN DISTRICT OF OHIO 1,065 1 416 1,482 EASTERN DISTRICT OF OKLAHOMA 104 10 114 NORTHERN DISTRICT OF OKLAHOMA 169 23 192 WESTERN DISTRICT OF OKLAHOMA 351 1 82 434 DISTRICT OF OREGON 604 1 155 760 EASTERN DISTRICT OF PENNSYLVANIA 395 8 1 389 793 MIDDLE DISTRICT OF PENNSYLVANIA 280 7 134 421 WESTERN DISTRICT OF PENNSYLVANIA 376 9 1 177 563 DISTRICT OF PUERTO RICO 354 24 3 501 882 DISTRICT OF RHODE ISLAND 136 1 54 191 DISTRICT OF SOUTH CAROLINA 228 6 284 518 DISTRICT OF SOUTH DAKOTA 82 1 14 97 EASTERN DISTRICT OF TENNESSEE 512 4 470 986 MIDDLE DISTRICT OF TENNESSEE 382 23 389 794 WESTERN DISTRICT OF TENNESSEE 297 8 816 1,121 EASTERN DISTRICT OF TEXAS 141 7 169 317 NORTHERN DISTRICT OF TEXAS 345 56 2 491 894 SOUTHERN DISTRICT OF TEXAS 269 71 3 327 670 Continued on next page 8

Bankruptcy Filings by Court Court CH 7 CH 11 CH 12 CH 13 TOTAL WESTERN DISTRICT OF TEXAS 298 9 277 584 DISTRICT OF UTAH 623 6 397 1,026 EASTERN DISTRICT OF VIRGINIA 847 15 572 1,434 WESTERN DISTRICT OF VIRGINIA 271 4 1 190 466 DISTRICT OF THE VIRGIN ISLANDS 3 1 4 DISTRICT OF VERMONT 43 10 53 EASTERN DISTRICT OF WASHINGTON 276 100 376 WESTERN DISTRICT OF WASHINGTON 762 11 1 261 1,035 EASTERN DISTRICT OF WISCONSIN 845 390 1,235 WESTERN DISTRICT OF WISCONSIN 341 3 75 419 NORTHERN DISTRICT OF WEST VIRGINIA 94 1 22 117 SOUTHERN DISTRICT OF WEST VIRGINIA 128 7 17 152 DISTRICT OF WYOMING 82 2 10 94 9

Top 25 Creditors Listed in Bankruptcies CAPITAL ONE INTERNAL REVENUE SERVICE SYNCHRONY FINANCIAL GENERAL ELECTRIC GE (RETAIL) CHASE CITIBANK WELLS FARGO BANK OF AMERICA COMPUCREDIT GOVERNMENT (NON IRS), STATE & LOCAL DISCOVER FINANCIAL SVCS PORTFOLIO RECOVERY ASSOCIATES,LLC ENCORE CAPITAL GROUP HSBC VERIZON ENHANCED RECOVERY CORPORATION KOHLS CREDIT ONE BANK FIRST PREMIER WORLD FINANCIAL NETWORK NATIONAL BANK / WFNNB AT & T AMERICAN EXPRESS MACYS TARGET US BANCORP 0 5,000 10,000 15,000 20,000 25,000 30,000 About this graph Graph shows Top 25 listed creditors and the estimated amount of bankruptcies each creditor is listed on. Source: American InfoSource Internal Statistics 10

Top 50 Creditors Listed in Bankruptcies Rank Creditor Cases Listings 1 CAPITAL ONE 26,349 38,959 2 INTERNAL REVENUE SERVICE 22,477 35,906 3 SYNCHRONY FINANCIAL 20,167 50,291 4 GENERAL ELECTRIC GE (RETAIL) 18,203 36,419 5 CHASE 17,576 24,554 6 CITIBANK 17,040 32,107 7 WELLS FARGO 12,857 19,226 8 BANK OF AMERICA 12,303 16,615 9 COMPUCREDIT 10,605 13,861 10 GOVERNMENT (NON IRS), STATE & LOCAL 10,552 13,497 Rank Creditor Cases Listings 11 DISCOVER FINANCIAL SVCS 10,233 12,645 12 PORTFOLIO RECOVERY ASSOCIATES,LLC 9,196 11,653 13 ENCORE CAPITAL GROUP 9,183 12,149 14 HSBC 8,507 11,293 15 VERIZON 8,373 10,591 16 ENHANCED RECOVERY CORPORATION 8,008 8,937 17 KOHLS 7,612 8,597 18 CREDIT ONE BANK 7,299 8,276 19 FIRST PREMIER 6,931 8,186 20 WORLD FINANCIAL NETWORK NATIONAL BANK / WFNNB 6,746 9,886 Continued on next page About this table Table depicts top 50 creditors currently listed in Bankruptcies, amount of cases listed on, and the number of times the creditor name occurs. 11

Top 50 Creditors Listed in Bankruptcies Rank Creditor Cases Listings 21 AT & T 6,559 7,976 22 AMERICAN EXPRESS 6,350 8,033 23 MACYS 6,094 7,759 24 TARGET 5,954 7,099 25 US BANCORP 5,746 7,486 26 GMAC 4,965 5,808 27 BARCLAYS BANK 4,890 5,777 28 SANTANDER CONSUMER USA 4,413 5,149 29 IC SYSTEMS 4,413 4,914 30 BLUESTEM BRANDS 4,349 5,167 31 AT & T WIRELINE 4,203 4,945 32 CREDIT COLLECTION SERVICES 4,041 4,652 33 SPRINT 4,020 4,631 34 AFNI 3,680 4,131 35 COMCAST 3,667 4,199 About this table Table depicts top 50 creditors currently listed in Bankruptcies, amount of cases listed on, and the number of times the creditor name occurs. Rank Creditor Cases Listings 36 MERRICK BANK 3,555 3,983 37 PAY PAL BUYER CREDIT 3,434 3,986 38 RESURGENT / SHERMAN / LVNV 3,328 4,058 39 SPRINGLEAF FINANCIAL SERVICES 3,191 3,949 40 GMAC AUTO 3,108 3,459 41 T-MOBILE 3,091 3,531 42 CITIFINANCIAL 3,087 3,991 43 DIRECTV LLC 3,078 3,408 44 TD BANKNORTH NA 2,990 3,350 45 JEFFERSON CAPITAL SYSTEMS 2,972 3,309 46 CAVALRY PORTFOLIO SERVICES 2,815 3,519 47 CAPITAL ONE AUTO 2,518 2,992 48 NELNET 2,465 2,960 49 CREDIT ACCEPTANCE CORP 2,440 3,094 50 NORTHLAND GROUP 2,436 2,706 Totals 523,669 12

Top 50 Creditors Filing Claims and Amount Filed Rank Creditor Name Cases Claims Total $ Amount of Claims Avg. $ Amount per Claim 1 AMERICAN INFOSOURCE 19,236 33,572 $83,625,951.15 $2,490.94 2 CAPITAL ONE 7,841 12,817 $35,636,296.60 $2,780.39 3 ENCORE CAPITAL GROUP 5,991 11,782 $25,592,437.16 $2,172.16 4 QUANTUM3 GROUP 6,141 10,520 $12,779,208.56 $1,214.75 5 RESURGENT / SHERMAN / LVNV 6,272 10,146 $22,102,490.29 $2,178.44 6 PORTFOLIO RECOVERY ASSOCIATES,LLC 5,836 9,917 $24,896,699.21 $2,510.51 7 INTERNAL REVENUE SERVICE 7,513 7,682 $192,794,504.80 $25,096.92 8 WELLS FARGO 4,771 6,322 $389,642,470.04 $61,632.79 9 BECKET AND LEE LLP 3,834 4,972 $23,847,677.32 $4,796.40 10 WEINSTEIN & RILEY, P.S. 2,995 4,086 $15,121,421.59 $3,700.79 About this table Continued on next page Table depicts Top 50 Creditors actively filing claims and estimated dollar amount filed for the claims. 13

Top 50 Creditors Filing Claims and Amount Filed Rank Creditor Name Cases Claims Total $ Amount of Claims Avg. $ Amount per Claim 11 JEFFERSON CAPITAL SYSTEMS 3,030 4,058 $6,486,376.50 $1,598.42 12 DISCOVER FINANCIAL SVCS 2,819 3,246 $21,369,027.86 $6,583.19 13 FIRST PREMIER 1,902 2,465 $1,493,425.97 $605.85 14 AMERICAN EXPRESS 1,793 2,451 $20,364,041.67 $8,308.46 15 BANK OF AMERICA 1,943 2,426 $103,729,384.69 $42,757.37 16 GMAC 2,105 2,337 $40,022,294.92 $17,125.50 17 VERIZON 1,960 2,337 $2,976,442.40 $1,273.62 18 CITIBANK 1,482 2,155 $57,018,369.30 $26,458.64 19 CREDITORS BANKRUPTCY SERVICE 1,212 2,149 $1,588,572.24 $739.21 20 GOVERNMENT (NON IRS), STATE & LOCAL 1,616 1,851 $15,094,570.14 $8,154.82 About this table Continued on next page Table depicts Top 50 Creditors actively filing claims and estimated dollar amount filed for the claims. 14

Top 50 Creditors Filing Claims and Amount Filed Rank Creditor Name Cases Claims Total $ Amount of Claims Avg. $ Amount per Claim 21 RECOVERY MANAGEMENT SYSTEMS CORPORATION 1,247 1,685 $3,125,493.99 $1,854.89 22 CAVALRY PORTFOLIO SERVICES 1,421 1,682 $7,626,938.43 $4,534.45 23 DIRECTV LLC 1,573 1,605 $810,206.59 $504.80 24 SANTANDER CONSUMER USA 1,528 1,582 $51,296,496.34 $32,425.09 25 T-MOBILE 1,343 1,532 $922,642.80 $602.25 26 ECAST SETTLEMENT CORPORATION 1,133 1,441 $9,713,255.56 $6,740.64 27 SFC 1,192 1,382 $1,179,987.74 $853.83 28 GMAC AUTO 1,260 1,365 $23,141,356.05 $16,953.37 29 SPRINGLEAF FINANCIAL SERVICES 1,246 1,338 $8,419,299.21 $6,292.45 30 SYNCHRONY FINANCIAL 995 1,324 $2,417,233.28 $1,825.70 About this table Continued on next page Table depicts Top 50 Creditors actively filing claims and estimated dollar amount filed for the claims. 15

Top 50 Creditors Filing Claims and Amount Filed Rank Creditor Name Cases Claims Total $ Amount of Claims Avg. $ Amount per Claim 31 MACYS 1,107 1,262 $1,957,753.42 $1,551.31 32 US BANCORP 1,154 1,259 $191,240,451.90 $151,898.69 33 CAPITAL ONE AUTO 1,185 1,233 $18,940,636.77 $15,361.42 34 EDUCATIONAL CREDIT MANAGEMENT CORPORATION 1,128 1,225 $25,741,721.65 $21,013.65 35 TD BANKNORTH NA 1,114 1,183 $5,695,683.47 $4,814.61 36 SPRINT 1,041 1,165 $1,352,124.35 $1,160.62 37 CHASE 1,072 1,160 $104,469,353.48 $90,059.79 38 NELNET 959 1,060 $33,558,154.27 $31,658.64 39 GM FINANCIAL 952 1,041 $16,206,264.44 $15,567.98 40 MERRICK BANK 924 969 $1,314,498.33 $1,356.55 About this table Continued on next page Table depicts Top 50 Creditors actively filing claims and estimated dollar amount filed for the claims. 16

Top 50 Creditors Filing Claims and Amount Filed Rank Creditor Name Cases Claims Total $ Amount of Claims Avg. $ Amount per Claim 41 CREDIT ACCEPTANCE CORP 856 891 $8,514,878.18 $9,556.54 42 AT & T 820 870 $1,286,307.59 $1,478.51 43 NAVY FEDERAL CREDIT UNION 363 812 $10,980,991.60 $13,523.39 44 USA FUNDS, INC. 591 766 $18,139,883.24 $23,681.31 45 BB&T BANK 509 750 $24,910,900.54 $33,214.53 46 NATIONSTAR MORTGAGE 643 672 $136,898,976.95 $203,718.72 47 ATLAS ACQUISITIONS LLC 513 628 $1,025,935.68 $1,633.66 48 GMAC MORTGAGE 584 618 $72,319,628.41 $117,022.05 49 FORD MOTOR CREDIT 540 611 $10,118,767.71 $16,560.99 50 CREDIT FIRST NA 578 601 $619,224.58 $1,030.32 Totals 171,003 $1,890,126,709 $11,053 About this table Table depicts Top 50 Creditors actively filing claims and estimated dollar amount filed for the claims. 17

Top 25 Creditors Actively Filing Claims AMERICAN INFOSOURCE CAPITAL ONE ENCORE CAPITAL GROUP QUANTUM3 GROUP RESURGENT / SHERMAN / LVNV PORTFOLIO RECOVERY ASSOCIATES,LLC INTERNAL REVENUE SERVICE WELLS FARGO BECKET AND LEE LLP WEINSTEIN & RILEY, P.S. JEFFERSON CAPITAL SYSTEMS DISCOVER FINANCIAL SVCS FIRST PREMIER AMERICAN EXPRESS BANK OF AMERICA GMAC VERIZON CITIBANK CREDITORS BANKRUPTCY SERVICE GOVERNMENT (NON IRS), STATE & LOCAL RECOVERY MANAGEMENT SYSTEMS CAVALRY PORTFOLIO SERVICES DIRECTV LLC SANTANDER CONSUMER USA T-MOBILE 0 10,000 20,000 30,000 40,000 About this graph Graph shows Top 25 Creditors actively filing claims and the estimated number of bankruptcy claims the creditor has filed. Source: American InfoSource Internal Statistics 18

Top 25 Creditors Actively Filing Claims in Dollar Amount WELLS FARGO INTERNAL REVENUE SERVICE BANK OF AMERICA AMERICAN INFOSOURCE CITIBANK SANTANDER CONSUMER USA GMAC CAPITAL ONE ENCORE CAPITAL GROUP PORTFOLIO RECOVERY ASSOCIATES,LLC BECKET AND LEE LLP RESURGENT / SHERMAN / LVNV DISCOVER FINANCIAL SVCS AMERICAN EXPRESS WEINSTEIN & RILEY, P.S. GOVERNMENT (NON IRS), STATE & LOCAL QUANTUM3 GROUP CAVALRY PORTFOLIO SERVICES JEFFERSON CAPITAL SYSTEMS RECOVERY MANAGEMENT SYSTEMS VERIZON CREDITORS BANKRUPTCY SERVICE FIRST PREMIER T-MOBILE DIRECTV LLC About this graph Graph shows Top 25 creditors actively filing claims and the estimated dollar amount of all claims field. Source: American InfoSource Internal Statistics 19

2016 AMERICAN INFOSOURCE American InfoSource (AIS) is a diversified, global financial services company focused on improving the profitability of non-performing portfolios and protecting the brands of our clients. Specializing in risk management, data analytics, process design, programming, and regulatory compliance, AIS provides a uniquely integrated suite of cost-effective solutions for safely managing bankruptcy, deceased, and debt settlement accounts. Using our information, technology, services, and expertise, we deliver highquality, low-cost solutions to maximize business process performance, optimize revenue, and mitigate risk. Banks, retailers, auto and mortgage financers, healthcare, telecom, and debt buyers all rely on AIS for guidance in the recovery space. Contact Information AMERICAN INFOSOURCE Driving Business Process Performance. www.americaninfosource.com 877.247.7253 Houston, Texas Product Sales: contactnow@americaninfosource.com AIS InSight Feedback: insight@americaninfosource.com Email contactnow@americaninfosource.com today to inquire about our bankruptcy, estates and debt settlement solutions. Back All rights reserved. American InfoSource LP warrants that it employs all reasonable endeavors to ensure that the supplied statistical reports are substantially complete and free of errors or defects. The user acknowledges that all information contained herein is derived from public record data and from time to time, errors may occur. AIS InSight is a proprietary analytical report produced monthly by American InfoSource. The supplied information will not be disclosed, recompiled, sold or traded, in whole or in part, to third parties unless prior written consent is obtained. American InfoSource LP assumes no responsibility or liability for any decisions made as a result of using this report. 20