PROVIDENT FINANCIAL PLC

Provident Financial plc (www.providentfinancial.com) is a United Kingdom-based non-standard lender. The Company’s divisions include Vanquis Bank, Moneybarn and the Consumer Credit Division (CCD). The Vanquis Bank offers a range of credit cards, unsecured personal loans and retail deposits. Moneybarn offers secured vehicle finance on a range of asset classes, including cars, motorbikes and light commercial vehicles. CCD offers home credit and provided short-term online loans through Satsuma. The Company's subsidiary within the Vanquis Bank division is Vanquis Bank Limited. Its subsidiaries within the Moneybarn division includes Duncton Group Limited, Moneybarn Group Limited and Moneybarn No. 1 Limited. The Company's subsidiaries within the CCD division includes Provident Financial Management Services Limited and Provident Personal Credit Limited.

• PROVIDENT FINANCIAL PLC