GLG News by Stored Value Credit Product Experts

Tal RaesideManaging DirectorInsight Strategic Services What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

Apple iPad - New Category, New Challenges

February 1, 2010

Apple's iPad Mistakes | www.pcworld.com

With its recently announced iPad, Apple is trying to bring to market a new product that in order to succeed needs to provide a materially improved user experience and carve out a position in the crowded consumer electronics marketplace.

Ronald Santicola, President

Ronald SanticolaPresidentCondevco LLC What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

McDonalds: Solid for the Long Run

January 30, 2010

US Sales Continues to Weigh on McDonald's | www.nytimes.com

1) McDonald's Profit is up VS last years Quarter 4 in a difficult environment2) Discounting by other chains feed into a "Value War" McDonald's is likely to win3) McDonald's is positioned for long term revenue and profit growth

Tal RaesideManaging DirectorInsight Strategic Services What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

Nokia: Focus on Product and Service Development

December 10, 2009

Nokia to close flagship US stores | www.totaltele.com

Nokia’s foray into the US retail market was ill-conceived and bound to fail. Nokia needs to focus on product development to overcome the issues it was addressing with its retail endeavor.

Steven DennisPresident and FounderSageBerry Consulting What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

"Surgical Shopping" Takes Hold This Holiday Shopping Season

December 9, 2009

U.S. Retail Sales Rise as Holiday Promotions Drive Spending | www.bloomberg.com

Holiday retail sales will likely show little or no growth this season as shoppers get "surgical"--that is remain highly focused on key items, wants vs. needs and are reluctant to buy unless they get a great deal.  Most retailers are sitting on lean inventories and seeking to restore profitability by limiting markdowns. A "game of chicken" is underway as consumers wait out greater bargains and retailers balance margin preservation vs. market share gains.

Ronald Ingram, Director of Product Management

Ronald IngramDirector of Product ManagementADVANCE AMERICA, CASH ADVANCE CENTERS, INC. What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

The 5Cs of Credit, P2P Lending, Social Lending, Self-Directed Lending

November 11, 2009

BlackRock's Fink: Forget 'Bubble' | online.wsj.com

Laurence Fink, Chairman and CEO of BlackRock Inc. in response to questions about bank failures and economic conditions suggested today that; “…the financial system needs to be a lot more responsive to society and make sure this doesn't happen again. Risk has to be a lot more transparent to investors. I think that is happening."; and, “the financial system needs change, including increased disclosure, more derivatives trading on exchanges and regulatory change…". But what about the 5Cs of credit?

Tal RaesideManaging DirectorInsight Strategic Services What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

Nokia, Apple and Google - Driving the Mobile Revolution

November 5, 2009

Google, Nokia, Apple - who will win the mobile wars? | www.guardian.co.uk

Nokia, Apple and Google, along with several other companies, will shape the next phase of the mobile revolution.

Ronald Santicola, President

Ronald SanticolaPresidentCondevco LLC What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

New Burger King Restaurant Design Continues Competitive Differentiation

October 19, 2009

Burger King's New Restaurant Design | adage.com

1) Burger King isn't a big "Value Menu" player2) Tries to differentiate itself through flavor and selection3) Unit allows for more upscale uses that QSR's are taking on in recession

Tal RaesideManaging DirectorInsight Strategic Services What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

Microsoft and T-Mobile Had a Cloudy Day but “The Cloud” Is Here To Stay

October 13, 2009

T-Mobile Sidekick Disaster: Danger’s Servers Crashed, And They Don’t Have A Backup | www.techcrunch.com

This week was a bad one for Microsoft, T-Mobile and “the cloud” with the announcement of the Danger customers’ data losses. Despite the setback, the cloud will continue to gain popularity and continue to shape the digital media, entertainment and communication world.

Ian Wood, Partner

Ian WoodPartnerWireless Foundry What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

The rise of Microsoft's view on Mobile Web at Vodafone.T

September 27, 2009

Vodafone updates internet portal services with Vodafone 360 | www.telecompaper.com

The launch of Vodafone360 is the latest indicator of Peter Knook's influence on Vodafone since his joining from Microsoft 18 months ago.  Vodafone Internet Services are now trying to present a consumer face for Vodafone that sees it capable of utilising investment in 3G and 3.5G Mobile Broadband.The interesting element is that this will be the first two handsets in Europe that use the LiMo standard.  One from Samsung and one from Huawei.

Tal RaesideManaging DirectorInsight Strategic Services What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

Netbooks Trying to Find Their Niche

September 2, 2009

Netbooks post higher demand than notebook PCs in Q2 | www.telecompaper.com

The netbook market has emerged with great fanfare as PC manufacturers and even mobile operators are looking to this device category to spur growth. Netbooks, while appealing in emerging markets, will face the difficult hurdle of creating a position between laptops and smartphones in developed markets in order to succeed.

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