Neiman Marcus 2008 Annual Report Download - page 700

Rescore Custom System (RCS)
1. Sub-system completely customized with POS to PaySys/RCS interface so when a customer hits their account open-to-buy, a
bureau is automatically pulled through FICO Search and the account attempts to go through rescore.
2. Various screen parameters to fully control which accounts can go through rescore tier I and II by block code and other
factors including high payment all-time and bureau risk score are used.
3. Using (ARML25) credit classification score, the Empirica or Beacon risk score and net fraction revolving burden (revolving
debt ratio), 24 3-dimensional rescore tier I matrixes (separated first by credit classification score) contain new guideline
assignments. Provided the rescore guideline is sufficient to approve the pending sale at POS, the approval back to POS is
systemically done and the account guideline increased. If not, POS generates a 6-digit referral number for manual handling.
4. In most cases where rescore tier I was not sufficient or a bureau is already on file for a customer (in which case they will not
go through rescore tier I), rescore tier II customized tables can be utilized. First, a customized scorecard using a point
accumulated system determines which of the 5 rescore tier II tables a customer goes through (1 being the best, 5 the worst).
The rescore tier II tables are 2-dimensional based on a Horizon bankruptcy score and the customer's last 6-months payments.
These two variables result in a multiplier (i.e. 3.5%) amount that is then used to calculate against the last 6-months payments.
Provided this calculation is enough the automatically proceed at the POS with approving the pending transaction and
increasing the account guideline, it is done. Otherwise, POS generates a 6-digit referral number for manual handling.
5. If an existing credit bureau is still on file, before proceeding with ordering a new bureau report, a message asks the Universal
Agent if they are sure a new bureau needs to be ordered.
6. The ability to release a California or Texas freeze file bureau report provided the customer gives us their PIN number is
available.
7. Custom Reporting
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Account Services Management (ASM)
1. Customized Universal Agent screen to perform authorization referrals and most customer service inquiries from one screen
with limited, if any toggling to other screens needed. PaySys screens ASMW, ARMN, ARIH, ASSD, OFCP and OFRS
useful information are contained on this customized screen. ASMN custom screen allows for account