Director/PDMR Shareholding

International Personal Finance Plc
23 July 2007

                       International Personal Finance plc

                            Awards Under Share Plans



Incentive Plan and Performance Share Plan

The International Personal Finance plc Incentive Plan and the International
Personal Finance plc Performance Share Plan were approved by the shareholders of
Provident Financial plc at that company's extraordinary general meeting held on
13 July 2007 to approve the demerger of the international business.

International Personal Finance plc announces that the first awards under these
plans were made to the following directors/persons discharging managerial
responsibilities on 20 July 2007.  Awards under these plans will vest subject to
the achievement of performance conditions and continued employment.  Should
awards vest, Incentive Plan awards will deliver shares with an equivalent value
to a specified percentage of the total return to shareholders achieved in a
performance period to 16 July 2010, the third anniversary of the demerger of
International Personal Finance plc from Provident Financial plc.  Awards under
the Performance Share Plan are contingent awards to receive specified numbers of
shares for nil cost following the end of the same performance period.  Under
both plans, delivery of vested shares is, normally, equally split between the
end of the performance period and, subject to continued employment, 12 months
following the end of the performance period.

Incentive Plan

Directors                            Percentage of total return to shareholders
Christopher Rodrigues                0.8 per cent
John Harnett                         0.6 per cent
David Broadbent                      0.4 per cent
PDMR
Nick Illingworth                     0.1 per cent


Performance Share Plan

PDMR                                 No of shares subject to awards
Rosamond Marshall Smith              70,488


Exchange Share Scheme 2007

The International Personal Finance plc Exchange Share Scheme 2007 (the 'ESS')
was approved by the shareholders of Provident Financial plc at that company's
extraordinary general meeting held on 13 July 2007 to approve the dermerger of
the international business.

International Personal Finance plc announces that awards under the ESS were made
to the following directors/persons discharging managerial responsibilities on 20
July 2007.

Awards under the ESS will replace awards originally granted by Provident
Financial plc under the Provident Financial Executive Share Option Scheme 2006
and the Provident Financial Long Term Incentive Scheme 2006 to individuals who,
following the demerger of International Personal Finance plc from Provident
Financial plc, are now employed by International Personal Finance plc and its
subsidiaries.

Awards under the ESS will vest, subject to continued employment, at the times at
which the original awards made under the Provident Financial plc share plans
would have vested.

The number of shares subject to ESS awards will have a comparable value
(calculated under an option pricing model) to the awards under Provident
Financial plc share plans that are being replaced.

Directors                            No of shares subject to awards

John Harnett                         104,834
Dave Broadbent                       8,036

PDMRs
Nick Illingworth                     15,588
Rosamond Marshall Smith              7,564


Rosamond J Marshall Smith
General Counsel and Company Secretary
23 July 2007

Telephone: [phone]


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