4.0 7 ComScore internet panel, Jan 07 50% 45% 40% 35% 30% 25% 20% 15% 10% 5% 0% 13 iBank Proprietary and Confidential EFTA00307170 The Israeli Consumers have proven to be "price sensitive" Insurance International Phone Calls Mobile J 2 direct insurance companies have reached 20% of the relevant