Neiman Marcus 2009 Annual Report Download - page 297

(iv) a forecast reflecting the projected effects of the modification on each key performance indicator
relevant to the Program and each Party including, without limitation, the projected effect of such
modification on open-to-buy amounts (in the case of credit line decrease strategies), authorization rates,
Net Credit Sales, Post MP RAM, [***] and [***] for the aggregate period of [***] following such
proposed implementation, and in the case of a change that Bank proposes to implement as a Bank Matter
(including a change that could be implemented in light of an event that would become an NMG Credit
Event if not cured by the Risk Implementation Date), and which individually or together with all previous
changes to Risk Management Policies implemented as Bank Matters, is expected to decrease Net Credit
Sales by more than [***] in any rolling [***] period, the change in each of the foregoing metrics for each
quarter during the [***] following the proposed implementation of such change;
(v) in the case of any proposed modification to any Risk Management Policy solely governing or
affecting underwriting decisions with respect to Applications or that will otherwise affect the policies or
procedures for accepting, adjudicating or approving or disapproving Applications (a "New Account
Policy"), an analysis showing (i) the impact such modification would have had on the Approval Rate of the
Benchmark Population assuming such modification had been implemented at the time of the adjudication
of the Applications for such Benchmark Population (ii) to the extent reasonably possible (and in any event
if such effect was included in Bank's analysis), the effect on the Approval Rate of the Benchmark
Population of any Change in Law implemented prior to or in connection with such change in New Account
Policy and (iii) the difference in the calculation of the Approval Rate of the Benchmark Population between
the previous and proposed New Account Policy;
(vi) in the case of any proposed modification to any Risk Management Policy that Bank could
implement as a Bank Matter and governing or affecting existing Accounts (including a modification that
could be implemented as a Bank Matter as a result of an event that would become and NMG Credit Event
if not cured by the Risk Implementation Date), an analysis (performed using the methodology reflected in
Schedule 4.6(c)(vi)) showing the projected impact on Net Credit Sales of such proposed change and the
cumulative effect of such impact, including the impact on Net Credit Sales of all other modifications to
Risk Management Policies governing or affecting existing Accounts that were made following the
Effective Date pursuant to Bank's authority to break a deadlock with respect to such matters pursuant to
Section 3.2(g)(iii) or (iv), in each case during each rolling [***] period ending in each of the [***]
following such change;
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