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SCHEDULE 4.6(c)(vi)
Proposed Modification to Risk Management Policy
Projected Impact on [***]
*Numbers are for Illustrative purposes only
[***]Impact Estimate — Methodology
Step I : Obtain month over month [***] impact estimate based on historical Test/Control(1) data
Assuming that [***] action was implemented on Test group in Month 0 with an average [***] amount of [***]:
[***]
Step II : If necessary (because Test/Control data for particular risk action is not available for the Neiman Marcus portfolio), derive
adjusted monthly [***]impact' based on the proposed new test by incorporating judgmental assumptions.
Assuming that the average [***]amount of the new proposed test is [***], monthly [***]impact estimate is adjusted higher by [***]
(judgmental assumption due to lack of real data):
[***]
Step III : Estimate the annual impacted Accounts due to the proposed new test assuming that the new CLD action will be
implemented in Month 1:
[***]
(1) Test/Control data from like portfolio will be leveraged in case historical Test/Control data from Neiman Marcus is not available