CASE STUDY non-addressed distribution for HOME CREDIT A title screen using UK graphics. Notes have been added to each slide hereafter describing their purpose. CASE STUDY non-addressed distribution for HOME CREDIT Date: 9/4/19

Product telephone loan Distribution non - addressed Background Client HOME CREDIT Product telephone loan Distribution non - addressed Circulation 25 million flyers per year Tools geomarketing - MOZAIKA Note: MOZAIKA is a geomarketing tool for the segmentation of Czech households based on socio-demographic factors plus other criteria. This slide should give us an understanding of the layout of your IT organisation, how you fit into it and how IT security fits into your existing role. Is it your primary responsibility or an additional element of your job, etc. By the end of this slide we should have a good understanding of how IT security fits into your organisational structure. Date: 9/4/19

Distribution Assignment HOME CREDIT needs to directly target the widest audience possible TNT Post provide custom solutions and strategies to fulfil these marketing needs regular, non-addressed distribution using specially prepared distribution plans distribution takes place regularly in planned runs with 3 to 7 distribution plans the individual distribution plans MUST BE COMPARABLE

Distribution Plans the COMPARABILITY OF INDIVIDUAL DISTRIBUTION PLANS is possible thanks to: the equal geographic distribution of each plan throughout the Czech Republic comparable socio-demographic profiles for each distribution plan

Distribution Plans Czech Republic is broken down into 40 distribution plans each distribution plan has approximately 100,000 mailboxes Example: If the MOZAIKA model says that 10% of the national population falls within the "successful and rich" category, a single distribution plan will have 10,000 consumers who fall within this category (10% of 100,000 mailboxes).

Overview of Plan Distribution throughout the Czech Republic

Breakdown of Flyers in a Single Distribution Run 2-3 different types of flyers are sent out in a single distribution run – there is always one standard flyer and one non-standard flyer (e.g. new visual presentation or new product) Page 1 version A Page 1 version B Page 1 version C Page 2 – same for all version

Breakdown of Flyers in a Single Distribution Run the client subsequently analyzes the responses to the different types of flyers; and, by doing so, they are basically making an evaluation of the entire Czech population the flyers vary across the individual distribution runs in order to make sure the consumer always receives the offer, which will be most appealing to them. the fact that different types of flyers are distributed in comparable territories within the same timeframe is a plus in terms of comparison and analysis purposes

Summary In 2009, we completed 15 distribution runs for HOME CREDIT with a total distribution of 6 million flyers. The client was very satisfied with the resultes of the campaigns. As a result, we will continue. HOME CREDIT is a client that has also been using our services in Slovakia, where we have been delivering 600,000 flyers every two months. The distribution plans target the areas served by Tesco supermarkets.