Copyright © 2006 SubscriberWise, Ltd. All rights reserved

Copyright © 2006 SubscriberWise, Ltd. All rights reserved.


Discover the Value of SubscriberWise® for your System!

Eliminate fraudEliminate fraud Recover equipmentRecover equipment Collect security depositsCollect security deposits Reduce bad debtReduce bad debt Grow subscriber baseGrow subscriber base Cross-sell and up-sell more productsCross-sell and up-sell more products Empower CSR’s to become ‘sales agents’ not ‘order Empower CSR’s to become ‘sales agents’ not ‘order

takers’ to better promote your offeringstakers’ to better promote your offerings Take control of your system with knowledge about your Take control of your system with knowledge about your

subscriber’s payment behaviorsubscriber’s payment behavior Powerful, accurate, intelligent, and cost-effective risk Powerful, accurate, intelligent, and cost-effective risk

management solutions for your systemmanagement solutions for your system


MultiChannel News® 03/21/2005

Prior to starting this program, we were probably losing in excess of $150,000 a year in equipment.

We’re $30 million a year in sales,” said Massillon Cable president Bob Gessner.

“Since we started in August of ’03, we have now lost one converter.”


PRESENTINGPRESENTING


Intelligent Decisioning Designed exclusively for the Cable Industry (custom model with 17

scoring parameters including FICO® Scores as a component) SubscriberWise® model decisions “thin” or non-existent credit files

for our industry (recent immigrant, young adults, mature cash spenders, recently widowed or divorced)

Leverages TransUnion’s® robust credit database Similar system used by the world’s largest banks and lending

institutions Provides real-time, consistent, objective and INSTANT decisions System is completely flexible and customizable for product offerings,

price points, deposit limits, and risk tolerance SubscriberWise® is designed to identify duplicate service requests

for the same SSN AND address making it possible to associate family and household members to the same high risk units


SubscriberWise® Goal

Continue to grow subscriber base while limiting: Substantial equipment loss Fraudulent use of SSN’s to obtain service and equipment Roommates and relatives knowingly defrauding operator of

service and equipment Subscribers whose histories include serious delinquency,

collections, and non-payment to other creditors Subscribers with other high risk scenarios Reduce 3rd party collection agency fees


As for Massillon’s unreturned set-top, Howe hasn’t given up on retrieving it.

“I know where the converter is,” he said. “I’m really still working to get that back.”'

The ex-subscriber who has it moved three hours away, to Toledo, Ohio.

“She promised to return it,” Howe said. “I’ve contacted the person she’s renting from, as well as her parents.

It’s really just a matter of time.”

MultiChannel News 03/21/2005


Inquiry Input Guidelines “Full Identifying Information”

Complete first, middle initial, and last name Any generational designators (Jr., Sr., 2nd) Complete date of birth Social Security Number Complete UNIT address (including zip code) Phone Number


Process is FAST and EASY!



Results are IMMEDIATE and INTELLIGENT


Services and deposits can be customized quickly and easily by operator based on risk tolerance, product offerings, price points, etc.Marketing and information messages are also fully customizable


“No Subject Found” Subscriber has no credit file (different from ‘not scored – insufficient

credit’) Data elements not entered correctly (often name and SSN) Fraud (parental id theft, deceased, other contradictory information) System will return the following instructions to your CSR

Verify SSN with subscriber If SSN was entered incorrectly, submit new credit report with corrected

SSN If SSN is correct, obtain driver license or state ID number and contact

credit department If credit department is unavailable, schedule service request and advise

customer that credit department will contact subscriber with any questions

Obtain good contact numbers.


Well Qualified Subscribers SubscriberWise® will identify subscribers with

exceptional credit histories with marketing messages contained in Instant Decision report

Subscribers with excellent credit and financial resources often request limited service

Allows CSR to leverage sales effort with special incentive indicated in marketing message(s) to cross-sell and up-sell product offerings to well qualified subscribers


Credit Challenged Facts 3 out of 4 service requests from credit challenged Credit challenged often interested in high end bundle despite

financial crisis or inability to pay Severely credit challenged often present extraordinary

acquisition risk to cable industry: Residential instability Unable or difficult to locate Unemployed or underemployed Associated with multiple service requests for same unit Not threatened by reporting delinquent payment behavior Other high risk scenarios


Important Considerations

Credit challenged are GOOD people in DIFFICULT circumstances

Credit challenged people WANT to pay their bills Paying bills is “EASY” when income is sufficient Credit challenged DESIRE and DESERVE the same

quality of life as everyone else Credit challenged ARE profitable to industry Credit challenged WILL be given an opportunity to enjoy

our industry’s products and services NO subscriber request should ever be denied because of

credit risk


Summary Cable operators are creditors with an FCRA permissible purpose Risk assessment is necessary as the cost to deliver service and

equipment skyrockets Fewer truck rolls for fraud, non-payment, and churn of high risk

units Process helpful for back-end collections Ability to approve all subscribers, regardless of credit risk factors Significantly higher recovery rate on expensive equipment Sophisticated decisioning to identify the best and worst

subscribers for a truly rapid and significant ROI Process is fast, intelligent, cost-effective, and flexible


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If you’d like to partner with SubscriberWise® or learn more, please

contact our office at 330-880-4848

www.subscriberwise.comwww.learnwisenow.com

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Copyright © 2006 SubscriberWise, Ltd. All rights reserved