Total consumer credit applications were down 9.03% from January to October 2009 compared to the same period in 2008. Hire purchase applications decreased 20.45% while personal loan applications declined 4.05% and credit card applications dropped 13.38%, with those under 28 (Gen Y) seeing a 19.09% decrease. Mortgage applications rose 20.20% overall but increased even more for baby boomers at 25.63%. Consumer defaults increased 4.29% and among baby boomers were up 16.80%. Commercial inquiries and defaults fell 14.60% although commercial defaults rose 49.47%.

1. Bureau Trends & DataVeda Advantage November 2009

2. Bureau Trends © Veda Advantage November 2009 Jan - October Review – Summary Highlights Total consumer credit applications: down 9.03% Hire Purchase applications: down 20.45% Personal loan applications: down 4.05% Credit card applications: down 13.38% with Gen Y down 19.09% Mortgage applications: up 20.20% with Baby Boomers up 25.63% Consumer defaults: up 4.29%with Baby Boomers up 16.80% Commercial inquiries & defaults: down 14.60%while defaults are up 49.47% * Comparison between Jan-October 2009 and Jan-October 2008 unless otherwise stated

3. Consumer Credit Applications Bureau Trends © Veda Advantage November 2009

4. Hire Purchase Applications Baby Boomers 44 - 62 years Generation X 28 - 43 years Generation Y <28 years Bureau Trends © Veda Advantage November 2009

5. Personal Loan Applications Bureau Trends © Veda Advantage November 2009

6. Credit Card Applications Baycorp Event © Veda Advantage November 2009

7. Mortgage Applications Bureau Trends © Veda Advantage November 2009

8. Consumer Defaults Bureau Trends © Veda Advantage November 2009

9. Commercial Inquiries & Defaults Bureau Trends © Veda Advantage November 2009