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10 10 CLIMB Consumer proposals: a growth story. Consumer proposals, a negotiated settlement between creditors and consumers, are rising rapidly (currently 19% annually) Proposals are also expanding when we control for population growth Consumer Proposals 90,000 Proposals/1,000 population 2.8 2.6 80,000 2.4 70,000 2.2 2 60,000 1.8 50,000 1.6 1.4 40,000 1.2 30,000 1 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 Source: Office of the Superintendent of Bankruptcy

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