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ARC REAL ESTATE SPA

Description of activities:

The company's principal activities are business information services, collection, treatment, and

management of credit information designed for banks, businesses, and professionals.

Principal business lines:

1.Real estate inspection services and desk evaluation of individual assets and real estate collateral

2.Decision support systems for the provision of financial information

3.Secured and unsecured debt collection services

Operating condition and development of activities:

The 2012 was a year of growth for ARC which is a great success in light of the current recession of

our economy.

The company has reported an increase in requests, acquisition of new customers in different areas

of the country, renewal of multi-year portfolio contracts, and this scenario has allowed untied

economic cycle and more mild recession.

The order backlog, which is the most important item for service and contract renewal from

prestigious clients have been particularly important to support the economy of our company.

In order to finance the development plan and launch new research and development projects, it was

decided to support the dynamic nature of the proposed listing and the company has decided to get in

the game for a quantum leap that led to the stock market debut on the alternative

MAC capital, dedicated to children, and then open up the share to new investors. The inflow of

financial resources and the concomitant listing are not calculated to achieve a clear improvement

and, ultimately, a greater ability to seize opportunities in new investments.

The contraction of bank credits that chokes the Italian economy today is not a phenomenon

transient. It is intended to last for years, because banks have to rebuild the capital,

leverage and restructure to bring up profitability. The crisis we are experiencing is

also an opportunity to begin the transition to growth and the creation of new value

less centered on bank credits, on the other hand, the scarcity and its high cost, push

companies to seek alternative financing. The shareholders of the company have started to

invest in their businesses and open up its capital to new members. The credit alone is not enoughand more also for small business it is imperative to think about alternative forms of financing and

think back to the bag as an opportunity.

For these reasons the new objectives resulting from the planned listing, investments in

new products and new processes, the incisive commercial action, organized ARC, which is now

ready to deal with the major players operating in the field of business information services. The

industry continues to be manned by the presence of two large market participants, but on one hand

the strong dynamism and rapid evolution of technology, on the other hand, the need for banks due

to the economic crisis and the need to contain budget costs , they open a very interesting

perspectives for more small size operators that can ensure high quality standards and lower costs of

supply of services.

The two construction sites and still running: "Arc Visual" and "Family Rating".

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Arc Visual , is a project under construction and the placing on the market is expected to end

2013. It 's a new product in the landscape of business information, thanks to sophisticated

processes of artificial intelligence features in an integrated manner and in real time a set of

information of a qualitative and quantitative assessment of the reliability necessary for the

economic and financial position of the subject is investigated. The goal is to offer

customers an innovative process of retrieval of information from different sources, one

tool heritage of a subject, a synthetic index of events negative, the estimated recovery value of realestate assets, therefore usable in processes of risk assessment and also in the protection and

recovery of debts.

The idea was born from extensive experience in the business information sector, especially in the

banking sector, and the awareness of what it is now important to have a realiable information, fast

and integrated on borrowers or to be given in order to assess their credit merit. For reliable

information and quick match as speedy and safe choices.

The need is very much felt in the banking sector, but also in all other areas of public and

individuals who have led major business decisions on alternative finance markets.

The larger project Arc Visual, introduces another project underway Family Rating. It wasalways thought of as the world of credit, but from the point of view of the final result, the

product is part of the consumer. Economic crisis, job loss, loss of

payments, families in difficulty. And again: bank balance sheets with substandard and doubtful

loans in growth and increasingly problematic credit assessment in relation to equity indicators for

Basel. And also the need to catalog the best loans with the ability to conduct a census in the form

of actual collateral that the person / core / family can provide; hardship for families

to enter the market of mortgages or loans and banks that show excessive prudence to give money to

those who do not show the necessary guarantees.

To complete the scenario families that are activated to try to restructure their debt position to avoid

being recorded in central risks such as bad payers, and other banks show poor availability for this

requirement if not in the face of negative events. A vicious circle which leads to a stagnation is

always more detrimental to the economy as a whole.

The Family Rating will also be a trademark of the database that starts from the knowledge of

person and then provide a weighting income. The project's goal is to become

R.F. an innovative tool in the management of receivables important for the impact on bank

management and relationship with customers.

On the innovation, R.F. introduces strong elements of innovation in the credit process delivery

, eliminating the old criteria defined on the basis of the applicant's knowledge andsecurity package in support of the request. The component "extended family" becomes the

point of reference, a new "economic entity" capable of taking formal commitments. The R.F. assign

a weighted value that could be of support to banks and disbursing financial and consumer obtain a

rating for the access to credit is as possess a valid passport.