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AROUND THE U.S. ANALYTICS Striving for Stability First-quarter data from CredAbility's Consumer Distress Index demonstrates forward momentum, as nearly all 50 states record year-over-year gains to start 2012. WA MT OR ID WY NE NV UT CA CO KS MO KY TN AZ AK TX HI LA FL Alabama Q1 2012—66.63% Q1 2011—64.25% Alaska Q1 2012—77.30% Q1 2011—76.82% Arizona Q1 2012—66.05% Q1 2011—64.08% Arkansas Q1 2012—67.88% Q1 2011—67.94% California Q1 2012—67.88% Q1 2011—65.19% Colorado Q1 2012—72.36% Q1 2011—70.33% Connecticut Q1 2012—74.33% Q1 2011—71.26% Delaware Q1 2012—70.76% Q1 2011—69.55% District of Columbia Q1 2012—73.68% Q1 2011—74.93% Florida Q1 2012—65.70% Q1 2011—63.55% Georgia Q1 2012—64.04% Q1 2011—62.98% Hawaii Q1 2012—73.66% Q1 2011—72.45% Idaho Q1 2012—68.79% Q1 2011—66.66% Illinois Q1 2012—69.07% Q1 2011—67.14% Indiana Q1 2012—66.22% Q1 2011—65.45% Iowa Q1 2012—77.49% Q1 2011—75.27% Kansas Q1 2012—74.89% Q1 2011—72.91% Kentucky Q1 2012—67.90% Q1 2011—66.51% Louisiana Q1 2012—69.74% Q1 2011—69.72% Maine Q1 2012—70.44% Q1 2011—69.29% Maryland Q1 2012—71.87% Q1 2011—70.74% Massachusetts Q1 2012—73.54% Q1 2011—72.04% Michigan Q1 2012—64.75% Q1 2011—63.17% Minnesota Q1 2012—77.24% Q1 2011—73.55% Mississippi Q1 2012—65.06% Q1 2011—64.35% Missouri Q1 2012—69.15% Q1 2011—68.32% Montana Q1 2012—75.04% Q1 2011—72.56% Nebraska Q1 2012—79.18% Q1 2011—78.34% Nevada Q1 2012—61.66% Q1 2011—60.78% New Hampshire Q1 2012—76.22% Q1 2011—75.05% New Jersey Q1 2012—70.20% Q1 2011—69.81% New Mexico Q1 2012—70.94% Q1 2011—69.93% New York Q1 2012—72.72% Q1 2011—70.87% North Carolina Q1 2012—67.07% Q1 2011—66.01% North Dakota Q1 2012—84.01% Q1 2011—82.35% Ohio Q1 2012—68.91% Q1 2011—65.73% Oklahoma Q1 2012—73.91% Q1 2011—72.15% Oregon Q1 2012—69.50% Q1 2011—65.90% Pennsylvania Q1 2012—71.53% Q1 2011—70.50% Rhode Island Q1 2012—67.01% Q1 2011—64.85% South Carolina Q1 2012—66.54% Q1 2011—65.15% South Dakota Q1 2012—80.21% Q1 2011—81.23% Tennessee Q1 2012—66.48% Q1 2011—64.19% Texas Q1 2012—70.43% Q1 2011—70.39% Utah Q1 2012—72.57% Q1 2011—69.81% Virginia Q1 2012—76.17% Q1 2011—73.97% Washington Q1 2012—69.35% Q1 2011—68.59% West Virginia Q1 2012—69.44% Q1 2011—67.74% Wisconsin Q1 2012—73.00% Q1 2011—71.61% Wyoming Q1 2012—79.21% Q1 2011—79.15% About the Survey: Published quarterly, the CredAbility Consumer Distress Index uses a proprietary methodology that draws upon multiple data sets. Employment, housing, credit, household budget and net worth information is supplemented with data collected by CredAbility, which serves more than 440,000 financially distressed individuals each year. 70 | THE M REPORT NM OK AR MS AL GA National Q1 2012—69.94% Q1 2011—68.15% SC IA IL IN OH WV SD WI NY MI PA MD VA NC ND MN VT MA NH CT NJ DE RI 100-90 EXCELLENT SECURE 89-80 GOOD STABLE 79-70 WEAKENING AT RISK 69-60 DISTRESSED UNSTABLE 59 and below EMERGENCY CRISIS ME SECONDARY MARKET ANALYTICS SERVICING ORIGINATION