1. Lending & Debt Trends and Opportunities: Econometric and UK Consumer Trends

2. Contents Market EnvironmentAdvertising MarketConsumer Trends

3. Market Environment

4. The Bank of England base interest rate February 2011 forecast Source: Oxford Economics/nVision Base: UK

5. Savers face pressure from low rates and rising inflation… Average annual changes in the bank base rate, RPI and CPI – UK, 2000-10 Bank base rate and quoted household rates (%) for savings accounts, January 2000-November 2010 Source: Bank of England Source: Office for National Statistics/Bank of England © 2010 Mintel International Group. All rights reserved. Confidential to Mintel.

6. Consumer Trends – Debt and Lending

7. Consumer net lending Annual % change February 2011 forecast Source: Oxford Economics/nVision Base: UK While there has been reduced levels of lending in the market, these are forecasted to increase in the future

8. Net unsecured lending to individuals Quarterly, seasonally adjusted, in millions Source: Bank of England/nVision Base: UK Overall there has been a reduction in the NET unsecured debt market other than that in credit cards

9. Difficulty accessing financial services % who find the following difficult “Please tell me to what extent you find it difficult or not to get access to the following financial services” Source: Eurobarometer/nVision Base: 1,000 respondents per country aged 15+, 2010

10. Advertising Climate

11. The internet is an effective way of reaching the target audience Internet Radio Newspapers Magazines Cinema TGI GB Q1 2011 Base: 18+ Take loan out with specialist company & only when absolutely necessary

12. Online Advertising 69% say the internet is the first place they look when they seek information (index 122) Engaged – 1 in 5 say they often notice advertisements on the internet The audience are 13% more likely to be regular users of MSN/ WL TGI GB Q1 2011 Base: 18+ Take loan out with specialist company & only when absolutely necessary

13. Media Spend Financial advertisers tend to spend the most on advertising on TV and Direct mail advertising followed by the Press On average the industry spent around 6% on Internet advertising (not including search) Source: NNR adDynanix : 2009 - 2010

14. Impressions and Audience by Publisher - AdMetrix While Microsoft does not have the most impressions for this sector, it does have the most Unique Visitors Source: ComScore AdMetrix Jan 2011

15. Advertiser performance For the same volume of impressions, Microsoft reaches significantly more UU’s comScore AdMetrix Feb 2011 Business/ Finance category (includes Wonga.com)

16. Search Traffic KPIs Overall Finance Traffic Loan traffic was up 16% overall for 2010 Looking specifically at Unsecured loans, these KWs received 31% more traffic over 2010 than in 2009 while payday loan products experienced 109% increase in traffic 2011 Unsecured Loan Product Growth (Jan-Feb) Unsecured Loans up 13% Payday Loans up 23% 1.Microsoft Advertising Intelligence Tool 2.Hitwise

17. Bing Finance Searchers are… Source: NNR JULY 2010 – JANUARY 2011

18. Loan KW Demographics and Daily Trends: 1.Microsoft Advertising Intelligence Tool

19. Microsoft Media Network Trends

20. Network: Day of the Week There is a slight decline in impressions through out the week however consumers are more likely to click during first half of the work week and on Sunday Conversions have two peaks on Tuesday as well as at the end of the week on Friday Source: Microsoft Media Network : July 2010 – March 2011

21. Network: Time of Day There is a build of Impressions and Actions during the early afternoon and a slight elevation in the early evening There is one main peak that occurs post-lunch before the end of the work day Source: Microsoft Media Network : July 2010 – March 2011

22. Finance Opportunities Lending Positioning Because of so many variables in the market place, positioning of your product is key Demographic/Mosaic The users and searchers for this type of product index well in demographic sectors and can be targeting with our Mosaic offering Search and Display – Better Together Use both offerings to help boost your ROI moreover, use our display offering to help boost your brand campaign. Particularly when we have seen good increases in traffic in the start of 2011