2. financial services Book value growth of 19.3% to R2.6bn (2004 : R2,1bn) Customer numbers growth of 8.1% to 1.2m (2004 : R1,1m) woolworths card

3. Book value growth of 25.4% to R725m (2004 : R578m) Customer numbers growth of 15.7% to 147’000 (2004 : 127’000) financial services personal loans

4. financial services visa credit card Book value growth of 73.2% to R310m (2004: R179m) Customer numbers growth of 58.0% to 79’000 (2004 : 50’000)

5. financial services net bad debt Net bad debt levels in line with expectations Controlled growth strategy

6. woolworths financial services credit statistics June 20052004 Growth in credit sales19.8%20.6% Credit sales as % of total sales33.7%33.1% Average yield17.6%20.3% Weighted average usury rate20.3%23.4% Average cost of funds8.0%9.7%

7. woolworths financial services sustainable annuity growth Build a credit-granting business Customer acquisition Aggressive marketing Launch Visa with loyalty Grow external non-interest revenue 45.6% (2004: 48.3%) Insurance products New product development Responsible credit Conservative behavioural scoring