Executive Summary by chenmeixiu

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									       Achieving the
     Full Potential
    of Instant Rewards

     Best Practices
in Portfolio Management
             Synopsis


       David Riddell



     Dubai, October 2, 2007
A High Performance Partnership


Global leader in real time   Innovators in customer
POS Rewards technology       management in banking

    Track Record of Transformational Programs
           • Strategy
           • Design
             – Segment priorities
             – Program Structure
             – Launch Plan
           • Implementation, Analytics
                                                      1
 Key message: engineer your program
 to target key portfolio challenges
     Typical Success                  Typical Focus

• Leading edge                 • Standalone product
• Rapid learning               • Driven by customer
• Positive results               acquisition priorities
• “Game changing”              • Secondary attention to
  potential                      current portfolio issues



 Upside potential from increased Portfolio Management focus
                         up to 3x
               typical program results, or more

                                                              2
    Dimensions of “Full Potential”
              Payment Cards                                     Other Retail
                                                                    • Bankwide
                                                                      Rewards
 Acquiring                                Card Issuing                •   Deposits
                                                                      •   Loans
• New Merchants                                                       •   Mortgages
• More Spend                         Credit                 Debit     •   Investments
• Higher On-Us
                   New Customer          Existing Portfolio
                    Acquisition            Performance
                  • Lower Cost Per              Activity
                    Account                      Rates
                  • New Channels,
                                                 Spend                Today’s
                    Broader Reach
                                                 Levels                Focus
                  • Better Mix
                                                Revolving
                                                Balances

                                              Delinquency /
                                               Chargeoffs
                                                                                        3
 Keys to
 Portfolio Management Success
Presentation
table of contents




     Note: the complete presentation elaborates on each of the topics above with
     relevant details and examples, but it is not a self-standing document and will
     require explanation.
     If you are interested in reviewing the material, please contact David or Jim
     directly. You will find contact information on the last page of this synopsis.
                          “Size of the prize” – potential impact
                          up to 3x typical program results

                                                         Impact of
                                                   Portfolio Management
                                                       Best Practices

                                                                     Up to
                                                  Activity rate                     3x
Performance Index




                                                                     40%
                                                                     Up to
                (BAU = 100)




                                                  Spend increase
                                                                     60%+
                                                                     Up to
                                                  Revolve rates
                                                                     35%+
                                                                     Up to
                                                  Attrition rates
                                                                     40%

                              BAU    Typical                                   Full
                                     Result                                  Potential

                                                                                          5
For more information, contact:

        David Riddell
   driddell@novantas.com
       +44 (0) 7917 178 900

       Jim Bramlett
  jbramlett@novantas.com
         +1 917 495 0444
       +44 (0) 7867 991 484

  485 Lexington Avenue, 20th Floor
        New York, NY 10017


         www.novantas.com




                                     6
         Activity rate                         3x
Performance Index




                              150                                              40%
                (BAU = 100)




                                                                               Up to
                                          30                Spend increase
                              100
                                                                               60%+      200
                                                                               Up to
                                                            Revolve rates
                                                 130                           35%+
                              50    100
                                                                               Up to
                                                            Attrition rates
                                                                               40%
                               0
                                    BAU        Typical                                   Full
                                               Result                                  Potential

                                                                                                        5
For more information, contact:

        David Riddell
   driddell@novantas.com
       +44 (0) 7917 178 900

       Jim Bramlett
  jbramlett@novantas.com
         +1 917 495 0444
       +44 (0) 7867 991 484

  485 Lexington Avenue, 20th Floor
       New York, NY 10017


         www.novantas.com




                                     6

								
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