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PROVIDENT (IPF): Publication of final terms

UNI - EN REPORT No4/2013

The following final terms (the Final Terms) are available for viewing:

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Final Terms dated 16 April 2013 relating to the issue by International Personal Finance plc of Sterling denominated 6.125% Notes due 2020 (the Notes) under the €1,000,000,000 Euro Medium Term Note Programme

Please read the disclaimer below Disclaimer – Intended Addressees before attempting to access this service, as your right to do so is conditional upon complying with the requirements set out below.

To view the full document, please paste the following URL into the address bar of your browser.

http://www.rns-pdf.londonstockexchange.com/rns/4390C_1-2013-4-16.pdf

A copy of the Final Terms will be submitted to the National Storage Mechanism and will shortly be available for inspection at: www.morningstar.co.uk/uk/NSM

For further information, please contact:

International Personal Finance plc

Nick Dahlgreen (General Enquiries) +44 (0) 113 285 6921

Rachel Moran (Investor Relations) +44 (0) 113 285 6798

Nick Jones (Media) +44 (0) 113 285 6815

DISCLAIMER – INTENDED ADDRESSEES

This announcement is not for distribution in the United States.

The Final Terms referred to above must be read in conjunction with the base prospectus dated 7 December 2012 and the supplementary prospectus dated 3 April 2013 relating to the above programme (together, the Prospectus) which constitutes a prospectus for the purposes of the Prospectus Directive (Directive 2003/71/EC, as amended).

Please note that the information contained in the Final Terms and Prospectus referred to above may be addressed to and/or targeted at persons who are residents of particular countries (specified in the Final Terms and/or Prospectus) only and is not intended for use and should not be relied upon by any person outside these countries and/or to whom the offer contained in the Final Terms and/or Prospectus is not addressed. Prior to viewing or relying on the information contained in the Final Terms and/or Prospectus, you must ascertain from the Final Terms and Prospectus whether or not you are part of the intended addressees of, and eligible to view, the information contained therein.

In particular, none of this announcement, the Final Terms or the Prospectus shall constitute an offer to sell or the solicitation of an offer to buy securities in the United States or in any other jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration, exemption from registration or qualification under the securities law of any such jurisdiction.

The Notes have not been and will not be registered under the United States Securities Act of 1933, as amended (the Securities Act), or any relevant securities laws of any state of the United States and are subject to U.S. tax law requirements. Subject to certain exceptions, the Notes may not be offered, sold or delivered in the United States or to or for the account or benefit of U.S. persons, as such terms are defined in Regulation S under the Securities Act. Your right to access this service is conditional upon complying with the above requirement.

The information contained herein may only be released, published or distributed in the United Kingdom, Jersey, Isle of Man and Bailiwick of Guernsey (Guernsey) in accordance with applicable regulatory requirements. The information contained herein is not for release, publication or distribution in or into the United States, Australia, Canada, Japan, South Africa, the Republic of Ireland or in any other jurisdiction where it is unlawful to distribute this document. The Notes referred to above may only be sold in Jersey in compliance with the provisions of the Control of Borrowing (Jersey) Order 1958 and any circulation in Jersey of any offer for subscription, sale or exchange of the Notes may only be made by a person or persons authorised to conduct investment business under the Financial Services (Jersey) Law 1998, as amended. Any offer for subscription, sale or exchange of the Notes within the Isle of Man must be made (i) by an Isle of Man financial services licence holder licensed under section 7 of the Isle of Man Financial Services Act 2008 to do so or (ii) in accordance with any relevant exclusion or exemption therefrom. Any promotion, offer for subscription, sale or exchange of the Notes in or from within Guernsey or otherwise directed at Guernsey residents may only be made in accordance with the Protection of Investors (Bailiwick of Guernsey) Law, 1987 as amended, the rules, regulations or guidance made or issued thereunder or any relevant exemptions therefrom.

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