The document provides a summary of consumer survey results from February 2012. It finds that consumer confidence reached its highest level since 2008 and more consumers report becoming practical in their purchases. While the employment outlook remains uncertain, fewer expect layoffs over the next six months. Chinese consumers show declining confidence compared to past years but remain practical and focused on needs over wants.

1. The BIG Call
February 2012
PA M E L A G O O D F E L L O W
CONSUMER INSIGHTS DIRECTOR, BIGINSIGHT™
DIANNE KREMER
S E N I O R A N A LY S T, B I G I N S I G H T ™
400 W. Wilson Bridge Road, Suite 200, Worthington, OH, 43085 614-846-0146 info@BIGinsight.com

2. February 2012 Consumer Survey
 February 2012 Results
• Consumer Confidence
• Employment Outlook
• Practical Purchasing
• Financial Forecast
• 90 Day Outlook: Future Purchase Plans
 Special Insight: Chinese Consumers
• Highlights for 2012 from the new ProsperChina™ InsightCenter™
This report is derived from the following studies:
• BIGinsight™ Monthly Consumer Survey, February 2012 (N = 8716, respondents surveyed 2/1 – 2/8/12)
• BIGinsight™ Monthly Consumer Survey Trends, February 2007 – February 2012
Disclaimer: BIGinsight™ is a trademark of Prosper Business Development Corp. Services are delivered by Prosper and/or a Prosper affiliated company (“Prosper”).
Prosper makes no warranties, either expressed or implied, concerning: data gathered or obtained from any source; the present or future methodology employed in
producing the statistics; or the data and estimates represent only the opinion of Prosper and reliance thereon and use thereof shall be at the user‟s own risk.
© 2012, Prosper®

3. Consumer Confidence
Confident/Very Confident in Chances for a Strong Economy
Adults 18+
35%
33.1%
33%
 Highlights:
31.2%
31% • Up, Up, and Away?
29%  Confidence increases for fourth
27% consecutive month
25% • Highest reading since Jan-08
23% (33.5%)
21%  Apr-10 (32.9%)
20.6%
19%
17%
15%
© 2012, Prosper® Source: BIGinsight™ Monthly Consumer Survey, FEB 11-12

4. Consumer Confidence
Confident/Very Confident in Chances for a Strong Economy
Adults 18+
35% 60%
33.1% 40%
33%
31.2% decline
50%
31% from
29% Feb-07
40%
27%
25%
30%
23%
21% 20%
20.6%
19%
17% 10%
53.2%
33.1%
15%
0%
Feb-07 Feb-08 Feb-09 Feb-10 Feb-11 Jan-12 Feb-12
© 2012, Prosper® Source: BIGinsight™ Monthly Consumer Survey, FEB 07-12

5. Employment Outlook
Regarding the U.S. employment environment, over the next 6 months, do you think that there
will be more, the same, or fewer layoffs than at present?
Adults 18+
 Highlights:
More Same Fewer U.S. Unemployment Rate*
• Those expecting “more”
100% 9.8%
declined 4 points from Jan-12
90%
9.7%* 9.6% to Feb-12.
20.0%
80% 22.3% 21.9% 22.8% • Unemployment outlook
U.S. Unemployment Rate*
9.4% remains relatively steady year-
70%
Layoff Predictions
9.2%
over-year
60%
 Uncertainty, even as U.S.
50% 9.0% Unemployment Rate
9.1%
40% declines.
8.8%
30%
49.4%
51.0% • Even as U.S. Unemployment
54.1% 54.3%
8.6% has declined, those expecting
20%
8.5% 22.9% “fewer” has only increased 3
8.4%
10% points from Feb-10.
30.6% 23.7% 27.0% 8.3%
0% 8.2% • Employment mantra = more of
Feb-10 Feb-11 Jan-12 Feb-12 the “same.”
* U.S. Unemployment Rate for the previous month for each corresponding MMM-YY, as reported by the U.S. Bureau of Labor Statistics.
© 2012, Prosper® Source: BIGinsight™ Monthly Consumer Survey, FEB 10-12

6. Practical Purchasing
In the last 6 months, have you made any of the following changes?
Adults 18+
60%  Highlights:
• Spring in consumers‟
55% spending?
53.6% • Becoming more practical
50%
declines 6 points from Jan-
49.6% 12 to Feb-12.
 Lowest reading since early
45% ‟08.
45.1%
• Focus on necessities
41.9% declines eight points from
40%
January.
 Echoing sentiment last seen
I have become more practical and realistic in my purchases
in first few months of „08.
I focus more on what I NEED rather than what I WANT
© 2012, Prosper® Source: BIGinsight™ Monthly Consumer Survey, FEB 11-12

7. Financial Forecast
Which of the following financial steps are you planning to take in the next 3 months?
Adults 18+
Feb-11 Jan-12 Feb-12  Highlights:
• What happened to the New
Pay down debt Year‟s resolutions?
 Financial plans become less
conservative from Jan-12 to
Decrease overall spending
Feb-12.
• Decreasing overall spending
declines 4 points year-over-
Increase savings year.
 Lowest level since Dec-10
holiday shopping season.
Pay with cash more often • Increasing savings remains
relatively constant.
0% 5% 10% 15% 20% 25% 30% 35% 40%
© 2012, Prosper® Source: BIGinsight™ Monthly Consumer Survey, FEB 11-12

8. Saving Enough to Meet Future Needs
How do you feel about the following statement? "I am saving enough to meet my future needs."
Adults 18+
February 2011 February 2012
27.6% 31.1%
41.9%
38.6%
Strongly Agree/Agree
Uncertain
Strongly Disagree/Disagree
 Highlights:
• Consumers feeling slightly more upbeat about the health of their savings accounts
compared to a year ago.
• Largest slice of the pie remains those who disagree they are saving enough.
© 2012, Prosper® Source: BIGinsight™ Monthly Consumer Survey, FEB 11-12

9. BIG Forward Look: 90 Day Spending
Over the next 90 days (February, March and April), do you plan on spending more, the same or
less on the following items than you would normally spend at this time of the year?
Adults 18+
Retail Merchandise Categories - 90 Day Outlook
(Feb-12 compared to Jan-12, Feb-11, and Feb-10)
Category: Jan-12 Feb-11 Feb-10 Category: Jan-12 Feb-11 Feb-10
Children’s up up up Toys/Games up up up
Women’s Dress up up up CDs/DVDs/Videos/Books up up up
Women’s Casual up up up Electronics up up up
Men’s Dress up up up Groceries up up up
Men’s Casual up up up Home Improvement up up up
Shoes up up up Lawn & Garden up up up
HBC up up up Home Furniture up up up
Dining Out up up up Home Décor up up up
Sporting Goods up up up Linens/Bedding/Draperies up up up
Note: “Up,” Down,” “Flat” refers to the direction of the Diffusion Index compared to the previous month (Jan-12) or years (Feb-11, Feb-10). Diffusion Index = %
Spending More - % Spending Less.
© 2012, Prosper® Source: BIGinsight™ Monthly Consumer Survey, FEB 10-12

10. BIG Forward Look: 90 Day Spending
Over the next 90 days (February, March and April), do you plan on spending more, the same or
less on the following items than you would normally spend at this time of the year?
Adults 18+
Retail Merchandise Categories - 90 Day Outlook
(Feb-12 compared to Jan-12, Feb-11, and Feb-10)
Category: Jan-12 Feb-11 All categories
Feb-10Category: Jan-12 Feb-11 Feb-10
Children’s up up up remain
Toys/Games up up up
Women’s Dress up up up DOWN
CDs/DVDs/Videos/Books up up up
Women’s Casual up up up from
Electronics up up up
Men’s Dress up up
pre-downturn
up Groceries up up up
February 2007
Men’s Casual up up up Home Improvement up up up
Shoes up up up Lawn & Garden up up up
HBC up up up Home Furniture up up up
Dining Out up up up Home Décor up up up
Sporting Goods up up up Linens/Bedding/Draperies up up up
Note: “Up,” Down,” “Flat” refers to the direction of the Diffusion Index compared to the previous month (Jan-12) or years (Feb-11, Feb-10). Diffusion Index = %
Spending More - % Spending Less.
© 2012, Prosper® Source: BIGinsight™ Monthly Consumer Survey, FEB 10-12

11. Visit
Chinese Consumers
Special Insight: www.ProsperChinaIC.com/chinainfo
5 Trends to Know for 2012:
1. Consumer Confidence is Good, Not Great
2. Practicality Remains High
3. Spending on Needs over Wants
4. Shifting Attitudes
5. Consumer Connectivity
© 2012, Prosper®

12. Chinese Consumer Confidence
Confidence in Chances for a Strong Economy
Chinese Adults 18-54
70%
60% Confident/Very Confident
18-54 Chinese Adults
50%
40%
Down 13.3% from Q4 ‘09
30%
20% Down 1.4% from Q4 ‘10
10% Confident/Very Confident Little/No Confidence
0% Down 4.1% from Q3 ‘11
 Highlights:
• Q4 2011 reading lowest since global financial fallout in 2008/2009
© 2012, Prosper® Source: ProsperChina™ Quarterly Survey Q1 2009 – Q4 2011

13. Practical, Needs Focused Consumer
In the last six months, have you made any of the following changes?
Chinese Adults 18-54
65.0%
60.0%
 Highlights:
55.0% • Practicality, Focus on
50.0% Needs, Budget
45.0%
Consciousness up
from Q3 ‟11
40.0%
• Lower practicality
35.0% compared to post-
30.0% financial fallout
More Practical
25.0%
Focus on Needs vs. Wants
20.0% More Budget Conscious
© 2012, Prosper® Source: ProsperChina™ Quarterly Survey Q1 2009 – Q4 2011

14. Practical Spending
Over the next 90 days, do you plan on spending more, the same or less on the following items
than you would normally spend at this time of the year? Chinese Adults 18-54
Retail Merchandise Categories - 90 Day Outlook
(Q4 2011 compared to Q4 2010 and Q3 2011)
Category: Q4 2010 Q3 2011 Category: Q4 2010 Q3 2011
Children’s down up Toys down flat
Women’s Dress down up Electronics up up
CDs/DVDs/Videos/
Women’s Casual up up up flat
Books
Men’s Dress up up Groceries up up
Men’s Casual up up Home Improvement flat flat
Shoes up up Lawn & Garden up down
HBA up up Home Furniture down up
Dining Out up up Home Décor down up
Linens/Bedding/
Sporting Goods up up up up
Draperies
Note: “Up,” “Down,” “Flat” refers to the direction of the Diffusion Index compared to the previous quarter (Q3 2011) or year (Q4 2010).
Diffusion Index = % Spending More - % Spending Less.
© 2012, Prosper® Source: ProsperChina™ Quarterly Surveys, Q4 2010, Q3 2011, Q4 2011

15. Shifting Consumer Attitudes
Check the statement that best applies to your feelings
about fashion. Chinese Adults 18-54
80.0%
 Highlights:
• Value & comfort still most
70.0%
important, but focus on
60.0% fashion is growing
 “Newest trends and styles
50.0% are important to me” up
27.6% from Q4 „09
40.0%
• Chinese Consumers will still
30.0% look for good value and buy
20.0% on sale
10.0%
0.0%
Q4 '09 Q4 '10 Q4 '11
Newest trends and style are important
Prefer a traditional, conservative look
Fashion is less important than value and comfort
© 2012, Prosper® Source: ProsperChina™ Quarterly Survey Q4 2009 – Q4 2011

16. Consumer Connectivity
 Growing Influence of Social Media
• Social media users more likely to give advice to peers
 Online Research & Shopping Up
• 57.9% regularly purchase products online, up 11.6% from Q3
2011 & 15.2% from Q4 2010
 Soaring Mobile Market
• 32.4% plan to purchase a mobile device in next 6 months
• 3 in 4 mobile device owners download apps
Yep, There’s an App for That Too
© 2012, Prosper® Source: ProsperChina™ Quarterly Survey Q4 2011

17. BIG Consumer
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The Help, War Horse, The Artist are Consumers‟ Top
Best Picture Picks view
An Amazonian Sized Challenge: The Smartphone and
Tablet Price Check Era view
FYU: Prescription Drugs view
Valentine‟s Day 2012: Do Macy‟s Shoppers Have the
Biggest Hearts? view
Generation Gap: Promote My Ride view
© 2012, Prosper®

18. Contact 400 W. Wilson Bridge Road
Suite 200
Worthington, OH 43085
Ph: 614-846-0146
info@BIGinsight.com
for complimentary insights, visit:
www.BIGinsight.com
© 2012, Prosper®