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Collection Rate north 30% Charge of Losses Credit Card - EMOB     east Auto Control     east south 20% Credit Card - Collections     east Credit Card - Acquisition     east P&C Claims - eCAP     east Auto Lending - Revenue Growth     east Retail Branch - Operations     east Retail Branch     east Wealth Management - eCAP     east Headcount south 15% north 20-25% Productivity Control and Compliance     east Rental Day/Claim north 5-7% Repair Cost south 7-8% Bespoke Solutions     east Early Identification check Continuous Monitoring & Tracking south 12-15% OPEX OPEX south 10% Loan Origination north 20% Market Share north 35% OPEX south 12-15% Customer Service Level north 500 bps Revenue Uplift north 10% Customer Complaints south 10-12% check Early Attrition south 25% Activation Rates north 20% Staff Productivity north 200 bps Acquisition Rate north 10% Acquisition Lost south 20% FTE south 86% Completely Automated north 60% OPEX south 5-10%