COF monthly charge-off and delinquency statistics

--Feb 2008, reported NCC: 2.97% reported, 3.79 - managed 30 days + delinquency rate : 3.23% - reported, 3.56% - managed --Jan NCC: 3% reported, 3.99% - managed 30 days + D : 3.63% - r, 3.87% - managed --Dec 2007 NCC: 2.83 % - R, 3.61% - M 30 days + D: 3.66% - r, 3.87% - M --Nov 2007 NCC: 2.65% - R, 3.52% - M 30 days + D: 3.44% - R, 3.68% -M --Oct 2007 Net Charge-Off Rate, 2.37% - R, 3.28% - M 30 Days + Delinquency Rate: 3.39% - R, 3.64% - M --Nov 2006 NCC: 3.23% - R, 3.5% - M 30 days +D : 3.96% - R, 3.69% - M conclusions --consumer credit from COF shows no deterioration