Refer the data from above of performance Non Active Customer (Never and Ever customer) in January 2007 – December 2015: Ever Customer had contract 56.62%, RCA as 61.08% and Never Customer had contract 43.38%, RCA as 38.92%. A group “Never” is customers who never withdraw. Business Planning Department would like to focus on this group to maintain our customer and encourage this group to withdraw money and increase active ratio and outstanding balance amount. Thus, Business Planning Department would like to propose Management to consider for offering special charging rate at 0%; interest: 0%, credit usage 0% for 60 days (start to count benefit period from date of receiving money.) This special rate (0%) will be offered for total withdrawal amount of the first withdrawal date all about campaign detail and conditions including estimate budget usage are show on this proposal as follows.