1. Integration with 3 rd Party Systems: A Necessary Evil for a Manufacturer's Finance Company?

2. RCI Financial Services – 4 Brands

3. Renault Group RCI FS (UK) RCI Banque Dacia Samsung Avtovaz (Lada) Nissan 100% 100% 99% 25-50% 80% 44% 15% Legal Structure

4. Renault - Nissan 1 in 10 Vehicles Worldwide

5. Captive Finance Company?  Affiliate? 

6. New Car Offers

7. Used / Nearly New Cars

9. UK Retail Market Growth

10. RCI Growth New Financings:  +37% 2011-2013  £900M

11. RCI Vision The Partner of Choice: 1.Simple 2.Efficient 3.Effective 4.Profitable

12. RCI Vision The Partner of Choice: 1.Simple 2.Efficient 3.Effective 4.Profitable  Systems  Processes  Service levels

13. RCI Vision Vision

14. Service Levels Two Key Criteria: 1.Speed of Turnaround 2.Acceptance Rates

15. Service Levels 1.Speed of Turnaround a.Proposals b.Payouts ProposalsTargetAchieved <30’80%87% <60’90%97% Average20’14’ PayoutsTargetAchieved <20’ (all)75%80% 100% Correct<20’6’

16. 2.Acceptance Rates RCIAffiliatesIndepend. New94%88%74% Used83%73%53% Service Levels

17. EDISON EDISON - 3 main components: 1.ID Scanner 2.E-Signature Pad 3.Self-billing Invoice

18. Point of Sale Enhanced functionality:  Offer comparison  Post Code Look-up  Used Car Look-up  Bank A/C Check  Chassis Nr Check

19. Point of Sale Communications Suite:  Real-time Info, at a glance 0

20. Equity Profiling  Monthly Alert of customers in positive equity  Bespoke Search facility  Export / Mail-merge  Phase 2: Parity Profiling

21. CRM Platform  4 Months-to-go &  Settlement Requests  >10,000 customers contacted  > 50% had no Dealer contact

22. 3 rd Party Interface Risks

23.  Loss of Functionality  Regulatory Compliance  Competition

24. 3 rd Party Interface Risks  Loss of Functionality  Regulatory Compliance  Competition 1.Refuse to Co-operate 2.Reluctant Compliance 3.Embrace 100% 3 Options

25. 3 rd Party Interface

26. 1.Seem-less 2.Instantaneous 3.Accurate 4.No Loss of Functionality 5.Regulatory Compliance Key Criteria

27. 3 rd Party Interface Necessary Evil?

28. 3 rd Party Interface  Customer Service  Embracing Change  Sales + 7%  In-Store +1%  On-Line +23%  1/3 of Turnover On-Line Mobile Stores Home Delivery Delivery Collection

29. 3 rd Party Interface

30. “If you do not change direction, you may end up where you are heading” Lao Tzu