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International Personal Finance Plc - 16 April 2013

We, Canaccord Genuity Limited, are a financial intermediary authorised under the Markets in Financial Instruments Directive to make offers of securities such as the International Personal Finance Plc 6.125% retail bonds due 2020 (the "Notes") described in the Final Terms dated 16 April 2013 (the "Final Terms") published by Independent Personal Finance PLC (the "Issuer"). We refer to the offer of the Notes in the United Kingdom during the Offer Period specified in the Final Terms (the "Public Offer"). In consideration for the Issuer offering to grant its consent to our use of the Prospectus (as defined in the Final Terms) in connection with the Public Offer on the terms and conditions specified in the Prospectus and Final Terms and subject to the conditions to such consent (the “Authorised Offeror Terms”), we hereby accept such offer. Accordingly, we are using the Prospectus in connection with the Public Offer in accordance with the consent of the Issuer on the Authorised Offeror Terms and subject to the conditions of such consent.

The Offer Period closed at 10:30am (London time) on 22 April 2013.