Spreadsheet: 83305d1283306385-excel-2007-copying-conditional-formatting-into-multiple-ranges-2010-20budget-20w-20actuals-1-
Sheet: Draft 

 | CONSUMER
 | Total Accounts | 840163 |  | 933450 |  |  | 842626 |  | 933612 |  |  | 852292 |  | 927832 |  |  | 865180 |  | 936281 |  |  | 873656 |  | 933094 |  |  | 877250 |  |  |  | 882094 |  |  |  | 887194 |  |  |  | 893898 |  |  |  | 902567 |  |  |  | 903612 |  |  |  | 902499
 | Statemented Accounts | 568536 |  | 567558 |  |  | 569845 |  | 566698 |  |  | 573245 |  | 565781 |  |  | 582165 |  | 568138 |  |  | 587425 |  | 570403 |  |  | 589652 |  |  |  | 593564 |  |  |  | 598665 |  |  |  | 600215 |  |  |  | 602421 |  |  |  | 602856 |  |  |  | 601352
 | % of St Accts to Total
 |  | 201001 |  | 201001 |  |  | 201002 |  | 201002 |  |  | 201003 |  | 201003 |  |  | 201004 |  | 201004 |  |  | 201005 |  | 201005 |  |  | 201006 |  | 201006 |  | 201007 |  | 201007 |  | 201008 |  | 201008 |  | 201009 |  | 201009 |  | 201010 |  | 201010 |  | 201011 |  | 201011 |  | 201012 |  | 201012 |  | Total | Total
 | Card Issuing |  | 0.82 | 33448.08 |  |  |  | 0.85 | 34641.36 |  |  |  | 0.87 | 55844.83 |  |  |  | 0.9 | 39060.49 |  |  |  | 0.95 | 36761.73 |  |  |  | 0.97 |  |  |  | 0.98 |  |  |  | 0.99 |  |  |  | 1 |  |  |  | 1.01 |  |  |  | 1.01 |  |  |  | 0.99
 | [NAME] |  | 7.89 | 316831.16 |  |  |  | 6.43 | 277362.65 |  |  |  | 7 | 369640.01 |  |  |  | 6.91 | 325915.06 |  |  |  | 6.86 | 322553.19 |  |  |  | 6.56 |  |  |  | 7 |  |  |  | 6.95 |  |  |  | 6.98 |  |  |  | 7.02 |  |  |  | 7.11 |  |  |  | 7.04
 | [NAME] |  | 4.16 |  |  |  |  | 4.2 | 180449.35 |  |  |  | 4.13 | 218945.8 |  |  |  | 4.25 | 174879.21 |  |  |  | 4.68 | 221071.37 |  |  |  | 4.1 |  |  |  | 4.2 |  |  |  | 4.28 |  |  |  | 4.36 |  |  |  | 4.24 |  |  |  | 4.68 |  |  |  | 4.2
 | [NAME] |  | 13.01 |  |  |  |  | 12.55 | 506459.58 |  |  |  | 12.86 | 651797.77 |  |  |  | 12.92 | 577704.9199999999 |  |  |  | 12.97 | 553426.97 |  |  |  | 13.04 |  |  |  | 13.11 |  |  |  | 13.09 |  |  |  | 13.24 |  |  |  | 13.13 |  |  |  | 13.22 |  |  |  | 13.57
 | Central Administration |  | 3.48 |  |  |  |  | 2.54 | 152722.96 |  |  |  | 2.42 | 190736.76 |  |  |  | 2.51 | 138339.46 |  |  |  | 2.64 | -543217.89 |  |  |  | 2.55 |  |  |  | 2.85 |  |  |  | 3.25 |  |  |  | 2.78 |  |  |  | 2.84 |  |  |  | 2.73 |  |  |  | 2.33
 | Collections |  | 0.12 | 5888.81 |  |  |  | 0.13 | 5225.16 |  |  |  | 0.12 | 5047.95 |  |  |  | 0.13 | 4990.02 |  |  |  | 0.13 | 5138.97 |  |  |  | 0.14 |  |  |  | 0.13 |  |  |  | 0.13 |  |  |  | 0.13 |  |  |  | 0.13 |  |  |  | 0.14 |  |  |  | 0.14
 | Credit Risk Management |  | 1.06 | 46267.89 |  |  |  | 1.04 | 46999.31 |  |  |  | 1.06 | 53048.44 |  |  |  | 1.08 | 52087.9 |  |  |  | 1.11 | 60527.61 |  |  |  | 1.05 |  |  |  | 1.1 |  |  |  | 1.01 |  |  |  | 1.04 |  |  |  | 1.06 |  |  |  | 1.11 |  |  |  | 1.14
 | Fraud Management |  | 4.61 | 192181.52 |  |  |  | 4.51 | 167492.56 |  |  |  | 4.57 | 202313.88 |  |  |  | 4.5 | 183964.51 |  |  |  | 4.55 | 182882.72 |  |  |  | 4.58 |  |  |  | 4.62 |  |  |  | 4.56 |  |  |  | 4.52 |  |  |  | 4.66 |  |  |  | 4.53 |  |  |  | 4.56
 | Payment Processing |  | 2.36 | 103746.93 |  |  |  | 2.13 | 95015.58 |  |  |  | 2.14 | 112212.05 |  |  |  | 1.89 | 106568.66 |  |  |  | 1.95 | 99010.59 |  |  |  | 2.09 |  |  |  | 1.92 |  |  |  | 2.14 |  |  |  | 2.12 |  |  |  | 2.07 |  |  |  | 2.11 |  |  |  | 2.16
 | Promotional |  | 0.06 | 2882.5 |  |  |  | 0.05 | 2429.32 |  |  |  | 0.06 | 2736.43 |  |  |  | 0.04 | 1733.67 |  |  |  | 0.05 | 1511.26 |  |  |  | 0.04 |  |  |  | 0.06 |  |  |  | 0.05 |  |  |  | 0.05 |  |  |  | 0.04 |  |  |  | 0.05 |  |  |  | 0.06
 | Transaction Processing |  | 6.58 |  |  |  |  | 6.56 | 290171.4 |  |  |  | 6.82 | 327971.83 |  |  |  | 6.7 | 316224.4 |  |  |  | 6.76 | 327683.84 |  |  |  | 6.8 |  |  |  | 6.79 |  |  |  | 6.83 |  |  |  | 6.82 |  |  |  | 6.82 |  |  |  | 6.84 |  |  |  | 6.85
 | Credit Processing |  | 0.84 |  |  |  |  | 0.86 |  |  |  |  | 0.84 |  |  |  |  | 1.05 |  |  |  |  | 1.05 |  |  |  |  | 0.94 |  |  |  | 0.85 |  |  |  | 0.85 |  |  |  | 1.05 |  |  |  | 1.09 |  |  |  | 1.06 |  |  |  | 0.75
 | Total
 |  | Assumptions:
 |  | Total accounts growth per Budget Volume Forecast for 2010 (little growth).
 |  | Statemented accounts projected based on Statement Generation trends in 2009.
 |  | Per process costs were trended from 2005-2009 where data was available.  Spikes in the per process cost were taken into account when projected for 2010.
 |  | KEY
 |  | Line Item | Includes
 |  | Card Issuing | Card Generation & Production, TACD [NAME], [NAME] postage
 |  | [NAME] | [NAME], Fees, Stmts - Imaging, generation, imaging, [NAME], DDS
 |  | [NAME] | Letters, postage, accts on file, event tracking, DCSI, [NAME], DCSI Correspondence Imaging, DCSI Welc Pkg, DCSI, Prepaid Postage
 |  | [NAME] | Call Center, Telatron - phone charges & IVR, VRU
 |  | Central Administration | Projects, DCSI Disaster Recovery, RDC Programming, Columbus Productions, IBM Corporation
 |  | Collections | Dialer, [NAME], TMS, Columbus Depot Equipment Co.
 |  | Credit Risk Management | TRIAD, Credit Bureau Retentions, Score Updates
 |  | Fraud Management | Lost Card Reports, [NAME], Cardguard
 |  | Payment Processing | STI Lockboxes, [NAME], [NAME], Checkfree
 |  | Promotional | Convenience Checks, Rewards Checks
 |  | Transaction Processing | Authorizations, [NAME] BTs
 |  | Credit Processing | ACEadvantage, [NAME], DCSI Web Apps,