C
R
E
D
I
T
S
E
R
V
I
C
E
&
N
P
E
Value generation Management Oversight Oversight Management Value generation
C
R
E
D
I
T
S
E
R
V
I
C
E
&
N
P
E
Oversight Management Value generation
C
R
E
D
I
T
S
E
R
V
I
C
E
N
P
E
Oversight Management Value generation
C
R
E
D
I
T
S
E
R
V
I
C
E
N
P
E