Integration with 3Integration with 3rdrd

Party Systems:Party Systems:

A Necessary Evil for a

Manufacturer's Finance

Company?

RCI Financial Services – 4 Brands

Renault Renault GroupGroup

RCI FSRCI FS(UK)(UK)

RCI RCI BanqueBanque

DaciaDaciaSamsungSamsung Avtovaz Avtovaz (Lada)(Lada)

NissanNissan

100%100% 100%100%

99%99%25-50%25-50%80%80% 44%44%

15%15%

Legal Structure

Renault - Nissan

1 in 10 Vehicles Worldwide

Captive Finance Company?

Affiliate?

New Car Offers

Used / Nearly New Cars

UK Retail Market Growth

RCI Growth

New Financings:

+37% 2011-2013

£900M

RCI Vision

The Partner of Choice:

1.Simple

2.Efficient

3.Effective

4.Profitable

RCI Vision

The Partner of Choice:

1.Simple

2.Efficient

3.Effective

4.Profitable

Systems Processes Service levels

RCI Vision

VisionVision

Service Levels

Two Key Criteria:

1.Speed of Turnaround

2.Acceptance Rates

Service Levels

1.Speed of Turnaround

a.Proposals

b.Payouts

Proposals Target Achieved

<30’ 80% 87%

<60’ 90% 97%

Average 20’ 14’

Payouts Target Achieved

<20’ (all) 75% 80%

100% Correct <20’ 6’

2. Acceptance Rates

RCI Affiliates Independ.

New 94% 88% 74%

Used 83% 73% 53%

Service Levels

EDISON

EDISON - 3 main components:

1.ID Scanner

2.E-Signature Pad

3.Self-billing Invoice

Point of Sale

Enhanced functionality:Offer comparisonPost Code Look-upUsed Car Look-upBank A/C CheckChassis Nr Check

Point of Sale

Communications Suite:Real-time Info, at a glance

0

Equity Profiling

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

CRM Platform

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

3rd Party Interface Risks

3rd Party Interface Risks

Loss of Functionality Regulatory Compliance Competition

3rd Party Interface Risks

Loss of Functionality Regulatory Compliance Competition

1.1. Refuse to Co-operateRefuse to Co-operate

2.2. Reluctant ComplianceReluctant Compliance

3.3. Embrace 100%Embrace 100%

3 3 OptionsOptions

3rd Party Interface

3rd Party Interface

1. Seem-less

2. Instantaneous

3. Accurate

4. No Loss of Functionality

5. Regulatory Compliance

Key Key CriteriaCriteria

3rd Party Interface

Necessary Evil?Necessary Evil?

3rd Party Interface

Customer Service Embracing Change

Sales + 7% In-Store +1% On-Line +23% 1/3 of Turnover

On-LineOn-Line

MobileMobile StoresStores

HomeHome DeliveryDelivery CollectionCollection

3rd Party Interface

3rd Party Interface

““If you do not If you do not

change direction, change direction,

you may end up you may end up

where you are where you are

heading”heading”Lao TzuLao Tzu