Direct Portfolio Solutions partners with financial service institutions (banks and credit unions) to provide expertise in achieving organic customer service growth and retention / cultivation strategies with a focus on results and cost-effective direct marketing execution. Customer Growth Solutions •Product Cross-Sell (pre-select or invitation-to-open platforms) •Portfolio-Based Retention / Stimulation •On-Board Activation & Usage to New Households / New Accounts •Customer Centric Marketing – Next Likely Purchase •Customer Credit Quality Review & New Loan Opportunity Assessment Agency Support Services •Creative and Direct Marketing Services – Direct Mail and Digital Media Deployment •Digital Customer Marketing Portal & Web Transactional Data Mining •Database Analytics and Measurement Note – Customer Centric Marketing Models: We build financially sensitive models (those designed to maximize profits not just accounts). Our business intelligence and analytics are developed using actual purchase and account opening behavior of existing clients. The data elements feeding the models include trending information, recency, and frequency of account use information, account holding and product open sequence information as-well-as product use variables and demographic data. The models can be used to support product specific initiatives or next most likely product predictions that support customer centric marketing.