Title: CredAbility Consumer Distress Index for Orlando-Kissimmee-Sanford, FL (MSA) (DISCONTINUED) Series ID: CCDIOA36740Q156N Source: CredAbility Nonprofit Credit Counseling & Education Release: CredAbility Consumer Distress Index (Not a Press Release) Seasonal Adjustment: Not Seasonally Adjusted Frequency: Quarterly Units: Percent Date Range: 2005-01-01 to 2013-01-01 Last Updated: 2013-05-17 2:01 PM CDT Notes: Overview of the Index The Index is a quarterly comprehensive picture of the average American household’s financial condition. Built by assessing the key elements of financial health and distress, it converts a complex set of factors into a single, easy to understand number. Scope and History The index measures the U.S., all 50 states and more than 70 MSAs. The national and state versions date back to 1980 and the MSA versions date back to 1990. Public Data and Proprietary Methodology We use more than 65 data points from government, public and private data and a proprietary methodology for compiling, combining and evaluating data. With nearly 50 years of experience and insight into helping consumers in financial distress, we know the biggest causes of distress, how people react to financial challenges and proven strategies for regaining control. (Note: Our client data is not a data source for the Index) Measured on a 100 Point Scale Financial distress is measured on a 100 point scale and a score under 70 indicates financial distress. The lower the score equals more distress, a weaker financial position, more urgency to act, takes longer and is harder to resolve, and increases the probability of needing a third party help to resolve. The Index score is tied to one of 5 general rating categories, which reflect the strength and stability of the consumer’s position. Less than 60 Emergency / Crisis 60 – 69 Distressed / Unstable 70 – 79 Weakening / At-Risk 80 – 89 Good / Stable 90 and Above Excellent / Secure What Does the Index Measure? We measure the 5 categories of personal finance that reflect or lead to a secure, stable financial life—Employment, Housing, Credit, Household Budget and Net Worth. All are equally important, so have given each category equal weighting. Employment. Stable income is the foundation of any family’s finances. This category measures the impact of unemployment and underemployment on financial health. Key Measures: Unemployment, Underemployment Sample Data Source: Department of Labor, Bureau of Labor Statistics Housing. Safe, affordable housing is a priority for all families. This category measures how consumers are paying their mortgage/rent and the impact of housing costs on their finances. Key Measures: Mortgage and Rental Delinquencies, Housing as Percent of Budget Sample Data Source: National Delinquency Survey Credit. Responsible use of credit creates more borrowing options and lower costs. This category assesses the strength of credit scores and how well families manage their credit. Key Measures: Credit Scores, Trade Line Utilization, Credit Delinquencies, Per Capita Bankruptcies Sample Data Source: National Credit Bureau Household Budget. Spending less than you make is the daily choice that leads to long-term success. This category measures families’ spending patterns and saving for emergencies. Key Measures: Disposable Income, Savings, Consumer Confidence Sample Data Source: Department of Commerce, Bureau of Economic Analysis Net Worth. Strong, positive net worth creates options and independence. This category measures how well consumers are strengthening their personal balance sheets. Key Measures: Household Net Worth, Net Worth versus Funds Required for Long-Term Needs (e.g. retirement) Sample Data Source: Federal Reserve Flow of Funds, Survey of Consumer Finances DATE VALUE 2005-01-01 79.040872096747 2005-04-01 77.751827054053 2005-07-01 77.688667175686 2005-10-01 78.871250525477 2006-01-01 82.074014729016 2006-04-01 82.317610842096 2006-07-01 81.745817437568 2006-10-01 82.729120758476 2007-01-01 78.632373839043 2007-04-01 77.821742593475 2007-07-01 75.626677527762 2007-10-01 74.106336376171 2008-01-01 65.932996706464 2008-04-01 66.066478719500 2008-07-01 62.567639722212 2008-10-01 64.288637177858 2009-01-01 57.490064656343 2009-04-01 59.843161236147 2009-07-01 57.025182133112 2009-10-01 57.138505384682 2010-01-01 57.969131177698 2010-04-01 59.170301021253 2010-07-01 59.324311364686 2010-10-01 58.006133456459 2011-01-01 58.845067053673 2011-04-01 59.485970929471 2011-07-01 57.414219446347 2011-10-01 57.292684869437 2012-01-01 58.307470525079 2012-04-01 59.473203588619 2012-07-01 59.707990000000 2012-10-01 61.907294572739 2013-01-01 62.042387932895