Provident Financial plc is a United Kingdom-based company engaged in the credit card business. The Company operates in two divisions: consumer credit division and Vanquis Bank. The consumer credit division includes home credit and direct repayment loans. The Company’s home credit brands include Provident Personal Credit and Greenwood Personal Credit, and its products include small cash loans, larger loans, pre-loaded visa cards and shopping vouchers. As of December 31, 2007, home credit had a total of 1.65 million customers. The Company’s primary brand under direct repayment loans is Real Personal Finance. Vanquis Bank provides credit cards tailored to the needs of customers on average and below average incomes. The Company has operations in Central Europe, Mexico, Romania, United Kingdom and Republic of Ireland.