2005 20121231 3,2421,6382,395 2010 201227.02 43.0626.2%25.9% 2010 2012 2012 1.48%22.93% 2010 2012 20121231 0.58%0.81%406.00% 332.15% 2013630 19916 2010 201212.7% 2012 305 27 2012 Bankrate, Inc. 2012 20 21 2012 2010 2010 121
2009 2008 20062010 2012 GDP8.5%GDP 12.8% 2012 1112,650 54.9% 2013630 19919316 4101,202 122
2010 201251% 2013630201350201247 2013630700 25%52010 201225.5% 2013630 99075.3%54.0% 2013630 13.4%201324.4% 20.8% 20136307,200 95.7% 2013630 43 36050 123
201363015 2010 2012 201212310.58% 0.81%406.00%332.15% 0.56%96.9% 147.9% IIIII 2010 2012 26.2%201277 2010 2012 2012 124
5.18%3.03% 2012 7.16%6.59% 7.05%2012123175.4% 90%2012 20% 201212312,3959.7% 200820121231 53.9%43.6%2012 1.98%2.07% 2.32% 2010 201235.1%32.7%33.9% 30 20 125
20 126
127
1231 630 2010 2011 2012 2012 2013..................... 4,080 65.1% 4,823 63.0% 5,333 57.8% 2,676 59.1% 3,003 58.7%..................... 1,395 22.3 1,892 24.7 2,394 25.9 1,148 25.4 1,402 27.4......................... 729 11.5 871 11.4 1,345 14.6 629 13.9 645 12.6............................. 66 1.1 65 0.9 163 1.7 71 1.6 68 1.3......................... 6,270 100.0% 7,651 100.0% 9,235 100.0% 4,524 100.0% 5,118 100.0% 128
201020112012 65.1%63.0%57.8%2013630 58.7% 2010 201120121231875.501,003.37 1,168.0874.8%73.0%71.3%20136 301,311.8171.7% 20121231 10.4% 1231 630 2010 2011 2012 2013................ 47,731 54.5% 59,427 59.2% 63,731 54.6% 76,975 58.7%................ 39,819 45.5 40,910 40.8 53,077 45.4 54,206 41.3.................... 87,550 100.0% 100,337 100.0% 116,808 100.0% 131,181 100.0% 1231 630 2010 2011 2012 2013......................... 69,360 79.2% 77,765 77.5% 88,056 75.4% 98,801 75.3%...................... 18,190 20.8 22,572 22.5 28,752 24.6 32,380 24.7.................... 87,550 100.0% 100,337 100.0% 116,808 100.0% 131,181 100.0% 129
360 360 15400 360 2009 20092009 2010 2011 2011 201220102011 20121231693.60777.65 880.5620136307,200 988.01 2010201120121231181.90 130
225.72287.522013630327 323.80 20122013630 107.9988.55 11.767.68 1231 630 2010 2011 2012 2013............................. 83,748 75.5% 97,480 71.4% 107,041 66.9% 101,649 62.6%............................. 27,134 24.5 38,983 28.6 52,943 33.1 60,662 37.4.................... 110,882 100.0% 136,463 100.0% 159,984 100.0% 162,311 100.0% 20082012 20102011201212312013630 1,108.821,364.631,599.841,623.11 69.5%67.0%66.8%64.4% 20102011 20121.67 131
2.582.422013630 1.94201279.6% 20102011201264,757.50 69,674.9490,148.2318.0%2013630 46,076.7320126.1%2013 6309 20102011201223.84 31.7239.3228.4%2013630 24.50201232.2%2013630 2,000 2011 E+ 2013630453 2012 2011 201020112012 1.131.590.652013630 0.752012141.9% 132
201020112012 1,1002,1006,6002013630 5,500201299.5% 201020112012 3.60157.20291.60 201363074.66 201020112012 3003,6004,200274.2% 20136303,4002012 225.1% 2013 A 133
21 775 201363092,300 7,500 2013630206 2006 201363010 43 20136307,200988.01 201020112012 22.3%24.7%25.9%2013630 27.4% 20102011201212312013630249.29 306.16350.80418.45 21.3%22.3%21.4%22.9% 134
1231 630 2010 2011 2012 2013......................... 15,291 61.3% 19,474 63.6% 21,333 60.8% 25,753 61.5%......................... 7,723 31.0 9,762 31.9 11,985 34.2 13,870 33.2......................... 1,861 7.5 1,291 4.2 1,067 3.0 989 2.4........................... 54 0.2 89 0.3 695 2.0 1,233 2.9......................... 24,929 100.0% 30,616 100.0% 35,080 100.0% 41,845 100.0% 30 70%20102011201212312013630 152.91194.74213.33257.53 61.3%63.6%60.8%61.5% 20102011201212312013630 77.2397.62119.85138.70 31.0%31.9%34.2%33.2% 70%90% 201212312013630 64.2478.26 135
70% 20102011201212312013630 10.1313.0110.9610.92 50% 20102011201212312013630 24.9233.6338.6943.49 20102011201212312013630 1.591.983.404.12 20102011201212 31201363018.6112.91 10.679.897.5%4.2%3.0%2.4% 70% 201020112012 123120136302.881.98 8,6005,100 20102011201212312013630 13.308.155.595.08 136
1201020112012 123120136301.502.17 3.833.98 100 20102011201212312013630 4,7003,5002,2001,800 20102011201212312013 6305,4008,9006.95 12.33 20102011201212312013630 326.99418.93527.18598.06 20.5%20.6%22.0%23.7% 201020112012 12314004705502013630 60020122012 137
200920094 20111220122 2010 20112012123131,41136,67995,450 2,0873,7667,134201020112012 4.747.4328.74146.3% 4005001,700 106.2%2013630139,060201245.7% 201363042.822012 649.9%3,2002012738.5% 2010201120124,700 9,5001.0146.6%2013630 8,100201285.6% 2010201120121,300 1,6003,40061.7%2013630 2,40020129.6% 138
20136302.9 2010 201020112012 3.1572.35232 3007002,700 200.0%2013630115.85 1,900 201020112012 10.1411.108.739.53 11.329.75 2013630 950 201020112012 200200300 2013630200 201242.7% 139
201020112012 12311,240,0001,300,0001,400,000 201020112012164.98 200.76248.15 2013630700 165,700125,700 4,90035,1002010201120121231 20136305142,650177,400 224,600251,500255.42334.04 442.37514.32 201020112012 7.298.7113.45 35.8%20136306.45 20122.5% (i)(ii)(iii) 140
2010201120124.11 7.7415.922013630 16.132012342.9% 20102011201212312013630 105.4353.17381.98922.81 207.98161.85478.83 1,006.7 20062012 100 2011 201020112012 13.4719.50 23.112013630 11.9520121.5% 141
2013720 70% 2013720 20081027 70%2010417 110% FTP 110% 3,000,000 142
10 43 360 2012 2012 143
2013630199 201363019917181 1991936 16 1231 2010 2011 2012 2013630................................. 38 23.0% 40 22.7% 40 21.1% 43 21.6%................................. 20 12.1 20 11.4 21 11.1 21 10.6............................... 16 9.7 16 9.1 17 8.9 17 8.5................................. 15 9.1 15 8.5 15 7.9 15 7.5................................. 18 10.9 18 10.2 18 9.5 18 9.0................................. 13 7.9 13 7.4 13 6.8 13 6.5................................. 10 6.1 10 5.7 11 5.8 12 6.0................................. 11 6.7 11 6.2 11 5.8 11 5.5 (1)..................... 22 13.3 29 16.5 39 20.5 43 21.8................................. 2 1.2 4 2.3 5 2.6 6 3.0............................. 165 100.0% 176 100.0% 190 100.0% 199 100.0% (1) 144
24 20122011 2010 2013630 4101,202201263018.5% 24.0% 2013630 95.84.990.9 40088-9658896588 2013630 66.8365.071.76 201212 145
2013630100973,700 24,400 200820122013 2015 2013 63098 IC OA 146
2009 200112 147
20136304,5152013630 2013630...................................... 903 20.0...................................... 463 10.3........................................... 43 0.9......................................... 449 9.9...................... 204 4.5........................................... 161 3.6............................................... 750 16.6............................................... 1,542 34.2........................................... 4,515 100.0% 2013630 2013630 31........................................... 1,239 27.4 3140......................................... 1,639 36.3 4150......................................... 1,490 33.0 50........................................... 147 3.3........................................... 4,515 100.0% 2012 1270 2013630 1,112 148
201371(2012 79A 2.0817.55140 2013630215.56 256 2.08 17.55140 1. 13517.32 98.7% 2. 20.070.4% 149
3. 30.16 0.9% 23 2013 201363025615.56 1. 16411.33 2. 854.20 150
3. 70.03 10.06 1238.52 70.35 (1) (2) 1,0001 201363023.9 2013630 2012419 2013630 151
201363015% 5.01A 6(2) 342(1)(b)34(2) 2 50233 2011620 2,244,724.5 4,329,887 20111212201212 2,244,724.5 1,690,000 152
2011 16 (i) (ii)(iii) 20101 5.5 (i)(ii) (i)(ii) (iii) 201020122 2 (i)(ii)(iii) (i)(ii) 153
10520 (i) (ii) (iii) (iv) (v) 201341 (i) (ii) (iii) (iv) 154
2013531 2012592012531 (i) (ii)(iii)(iv) (v)(vi) (vii)(viii) (ix)(x) 20121227 201246 (i)(ii) 155
(iii)(iv) (v)(vi) 20124 27 201192620111021 20111230 (i)(ii) (iii) (iv) (v)(vi)(vii) 2012118 20106282010629 2010719 (i)(ii) 201082 156
2007920102 78,00020111 (i)(ii)(iii) (iv) 157