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Ann: Advance Notice - EML FY2020 Interim Results Presentation, page-12

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    PFS was outsourcing certain processing as they didn't have an Emoney license until recently. but those synergies will take 12-24 months to play out. and you are correct in the scheme savings but I doubt it will be as high as 2 bps. maybe 1 bp. either way it's free money
 
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