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This Spreadsheet is to accompany the case (392-046-1). The case abstract is as follows: The case illustrates how a New Zealand bank attained a demonstrable and sustained competitive advantage through its information system''s ability to respond quickly to changed circumstances. The systems architecture which was in place enabled an incoming chief executive to establish quickly his credibility through immediate implementation of a strategic product idea he had. It also helped earn the chief information officer promotion to managing director upon the recent retirement of the chief executive. Teaching objectives include appreciation of: (1) the impact of competitive use of information technology on stakeholders, (2) the ability of integrated systems to support flexible corporate response to market signals, and (3) the power of relatively simple, but cumulative, technological initiatives for medium to small scale firms.