DisclaimerThese presentation materials have been prepared by Hyundai Card Co., Ltd. (“HCC or the Company”), solely for theuse at this presentation and have not been independently veriﬁed. No representations or warranties, express or im-plied, are made as to, and no reliance should be placed on, the accuracy, fairness or completeness of the informa-tion presented or contained in this presentation. Neither the Companies nor any of theirs aﬃliates, advisers or representatives acceptsany responsibility whatsoever for any loss or damage arising from any information presented or contained in this presentation. The informationpresented or contained in this presentation is current as of the date hereof and is subject to change without notice and its accuracy is not guaran-teed. Neither the Companies nor any of their aﬃliates, advisers or representatives make any undertaking to update any such information subse-quent to the date hereof. This presentation should not be construed as legal, tax, investment or other advice.Certain information and statements made in this presentation contain “forward-looking statements.” Such forward-looking statements can beidentiﬁed by the use of forward-looking terminology such as “anticipate,” “believe,” “considering,” “depends,” “estimate,” “expect,” “intend,” “plan,”“planning,” “planned,” “project,” “trend,” and similar expressions. All forward-looking statements are the Companies’ current expectation of futureevents and are subject to a number of factors that could cause actual results to diﬀer materially from those described in the forward-looking state-ments. Caution should be taken with respect to such statements and you should not place undue reliance on any such forward-looking state-ments.Certain industry and market data in this presentation was obtained from various trade associations, and the Companies have not veriﬁed such datawith independent sources. Accordingly, the Companies make no representations as to the accuracy or completeness of that data, and such datainvolves risks and uncertainties and is subject to change based on various factors.This presentation does not constitute an oﬀer or invitation to purchase or subscribe for any shares or other securities of the Companies and neitherany part of this presentation nor any information or statement contained therein shall form the basis of or be relied upon in connection with anycontract or commitment whatsoever. Any decision to purchase shares in any oﬀering of shares of the Companies should be made solely on thebasis of the information contained in the oﬀering document which may be published or distributed in due course in connection with any oﬀeringof shares of the Companies, if any.The contents of this presentation may not be reproduced, redistributed or passed on, directly or indirectly, to any other person or published, inwhole or in part, for any purpose.
The Premier Korean Credit Card Company 03 - 30 : 0.6% - 1 : 75 - - Super premium Leadership Position GE Capital Partnership - : Committee - GE Capital Business
Growing Partnership with GE Capital 04 - “Point Program” - 2010 GE Capital 2 Credit line - 7,320 2011 3 54.0% 2008 2006 ~ 2008 - Marketing tool BW - 2006 GE Capital : 1,653 - Joint Venture - 2005 GE Capital 2,000 43.0% - GE Capital JV - - 3,130 - - 43%
Innovative Programs Strengthen Bonds with Customers 08 Point Program Income Level Super Premium Premium Prime Middle Point beneﬁt M2 Multiple 5521 MONTH / YEAR 5433 MONTH / YEAR GOOD GOOD THRU THRU MSave Auto M2 Platinum D/C beneﬁt M3 Platinum 5433 MONTH / YEAR GOOD THRU V Shopping 4330 M2 GOOD MONTH / YEAR M THRU M Point M M2 Lady Platinum M Lady/ R R3 Platinum T&E the Black the Purple/ Diners W travel the Red Platinum - Loyalty - / 5521 A2 K2 MONTH / YEAR T2 Niche GOOD THRU 4330 MONTH / YEAR GOOD THRU - - retention 4330 GOOD THRU MONTH / YEAR 4028 GOOD THRU MONTH / YEAR - A2, K2, T2 Platinum F/ O/ H/ T - T3, H3 Platinum
Creative Branding Drives High Awareness 09 Global 83.4% 80.4% 76.0%(ex. / , etc.) 69.0%Super Match Concert- HCC 2007 2008 2009 2010 Source : Company
Pre-emptive Approach to Risk Management 10 (Risk Control Committee) - - GE Capital - GE Capital Asia Chief Risk Officer GE Capital - GE Capital Credit scoring system - Compliance Anti-fraud team - Risk - GE Capital Risk reporting format - Credit risk Risk-based pricing
Combining Strong Governance with Innovation 11 - Committee . Risk Control Committee . Executive Finance Committee . Asset & Liability Committee - GE Capital - GE Capital Veto right - - innovation -