Consumers with low incomes will be hardest hit by cash flow pressures
(cuts to middle
cushion from cash
Heavily exposed to unemployment
Moderately exposed to unemployment risk
High income and high levels of savings provides
Low savings rate
* USA example Source: Bureau of Labor Statistics 6 GXC ConsumerOfTheFuture_BainStudyJanuary2009v2 This information is confidential and was prepared by Bain & Company solely for the use of our client; it is not to be relied on by any 3rd party without Bain's prior written consent.