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Exploiting Opportunity, Minimizing Risk

> Business Information

Unparalleled data quality

With Creditreform’s information solutions based on a wide range of reliable and up-to-date sources, our rigorous plausibility checks and comprehensive quality assurance processes ensure maximum information depth, accuracy and informative value.

Exclusive information made to measure

Creditreform’s business information is designed to optimally support to your daily business demands. Our true-to-size information solutions oriented towards your customers’ life cycles were designed specifically with your unique business requirements in mind.

Analysis of potential,identification and initial picture of business partner• Address qualification• Interdependency information• Market analyses (industries

and regions)• Short business report

Initial review, business partner creation • Company information• Company solvency

assessment• Balance sheet analyses• External rating• Consumer solvency

assessment

Monitoring –solvency monitoring • Monitoring• Business partner analysis • German Debtor Register

Reassessment after major changes• Balance sheet analyses• Consumer solvency

assessment • German Debtor Register

Business risk

Customer value over life cycle

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Time

Acquisition Handling & processing

Existing customer management

New customer management

Public registers

• 600.000, commercial register entries• 1.5m list of debtors entries• 23,000 insolvencies p.a.• Approx. 79,030 private

insolvencies

Exclusive Creditreform sources

• Over 4.5m debt collection procedures p.a.• 6.5bn ongoing debt collection procedures• 1m balance sheet analyses p.a.

Corporate sources

• Over 1m balance sheets and financial reports p.a.• 98m payment experiences p.a.• 450,000 written supplier inquiries p.a.

Ongoing research

• 200,000 balance sheet-related researches p.a.• Web crawler and manual Internet research• Evaluation of press and ad-hoc reports

Validation and evaluation

Validation and evaluation

Creditreformbusiness information

Figures rounded

Border-free decision support for your business deal

Ongoing risk monitoring underpin confidence in existing customer relationships

> A passion for quality and currency

While information can be found at every street corner, can you really rely on it? With Creditreform, you can not only be sure of high quality, up to date business information but, given its prior verification by experts, enjoy a true information advantage and maximum decision-making con-fidence!

Different businesses entail different risks. Creditre-form’s company solvency analyses – such as our commercial report offering – give you a wealth of sound information to assist your business decision making. Furthermore, our company information pro-ducts ensure the quality and completeness of your master data when they are input into our systems.

You benefit from Creditreform’s tightly woven infor-mation network when choosing business contacts. Selected partners and 167 branches in over 23 countries conduct local research, securing our high quality standards around the globe.

With your customer relationships and associated disks in a constant flux, Creditreform’s monitoringservices address these market dynamics by conti-nually updating you on changes in your business partners’ solvency.

Our signal services guarantee basic monitoring of your business partners and you’ll be sent an alert if your customers’ and suppliers’ solvency or mas- ter data change.

You also gain access to valuable tips about your existing customers’ liquidity situation via our pay- ment experience pool Debitorenregister Deutsch-land.

Creditreform business informationnational international

Premium ReportCompany dossier with analyses, payment experience (DRD),

balance sheet rating, solvency index and 12 month’ monitoring

Risk

very high

high

medium

low

very low

Commercial ReportDetailed commercial information,

solvency index and 12 month’ monitoring

Commercial Report InternationalDetailed commercial information,

solvency index

Compact ReportCompressed commercial report and solvency index

Compact Report InternationalCompressed commercial report

and solvency in 5 classes

Brief ReportIdentification, basis information and solvency in 6 classes

Traffic light ReportIdentification and solvency in 3 classes

Brief Report InternationalIdentification, basis information andsolvency in 3 classes

Info Company Reports Company Report Compact International

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Modular structure: Depth of content corresponds to degree of risks

Spot-on ratings of businesses in Germany with the Creditreform Solvency Index

Company information Debtors Register Company solvency

Balance sheet analyses

Ratings

Interdependency information Balance sheet reference analysis

Business partner analysis

Industry analysis

Regional check

Industry check

Information content

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Overview of Creditreform’s corporate business information

Depiction of the Creditreform Solvency Index in the commercial report

Credit worthiness

Solvency Index

PD

The Solvency Index 211 means “good credit worthiness”.The PD (Probability of Default) shows the probability that a debtor defaults within one year according to Basel II-criteria. Appliedto Creditreform the Solvency Index 500 and 600 is considered as default.The PD for this solvency amounts to 0.32 %. The average in Germany amounts to 1.56 % (updated: March 2016).

The Creditreform Solvency Index is the heart of our company solvency products. It measures the likeli- hood with which business partners could default on their debts. Ergonomically presented, it takes account of a wealth of differently weighted corporate charac-teristics, focusing on the company’s business perfor-mance as well as its mode of payment. German Debtor Register analyses assure an exceptionally high level of information quality.

Liquidity, asset andprofitability situation• Capital/sales• Sales/employee• Company development• Order book• ...

Structural risks• Legal form• Number of staff • ...

Mode of payment • Supplier information• Payment experiences

Credit assessment

Industry risk

Excellent solvency

Very good solvency

Good solvency

Medium solvency

Poor solvency

Very poor solvency

Massive payment default

Hard negative characte -ristics

100 - 149

150 - 199

200 - 249

250 - 299

300 - 349

350 - 499

500

600

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InterpretationSolvency-relevant assessment factors

Solvency Index classesAssessment

Further information solutions –made to measure

Market analysesFind out more about industry structures before implementing planned market debuts/market pene-trations, and manage risks and potentials for your business’s strategic alignment.

Interdependency informationThe transparent presentation of shareholding situa-tions reveals new business potential and latent risks, and helps you fulfil your compliance duties.

Business partner analysesDetailed reviews of hidden risks in your customerportfolio offer strategic decision-making support for your risk management.

Balance sheet analysesMeaningful balance sheet KPIs give you detailed insight into your business partner’s financial situation.

WB-InfoWB-Info assists you in the area of compliance in identifying beneficial owners (BO) – simply and in an auditing-conformant manner.

CrefoZertCreditreform’s solvency certificate helps you actively communicate your excellent creditworthiness, there-by strengthening your negotiating position and crea-ting new marketing and PR possibilities.

WB-Info

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B2C business certainty

The path to sound knowledge

> Dependable solvency assessment The Creditreform Solvency Index is Germany’s lea-

ding gauge for corporate assessment. Statistically ba-lanced, it incorporates a broad spectrum of pertinentdata to offer you best possible decision making sup-port.

> Maximum quality and currencyCreditreform employs stringent quality standards in its data processing and analyses. Hot-off-the-press news, such as corporate communications and pay-ment experiences, are incorporated at short notice to maximize relevance for your business.

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Needs based solutions

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Data-protection compliantSafety and protection of data entrusted to us is a #1 priority!

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Consulting and seminars

Everything speaks in Creditreform’s favorThe rising number of individuals in Germany living

beyond their means is making it increasingly difficultto make consumer business decisions.

Our consumer report portfolio gives you the cer- tainty you need. Also, when you submit your own payment experiences to our data pool, you receive the corresponding evaluations of your customers’ payment behavior at other suppliers in return – just what you need for a more sophisticated assessment of your clients.

For every business situation, Creditreform has the op-timum interface and application:

• Using CrefoDirect and www.creditreform.de of-fers independent, browser based access to our business information.

• Mobile access is possible with our app CrefoMobile

• Retrieved information can be conveniently displa- yed in a structured and historicized format in theCrefoScore Windows application.

• The integrated credit management system solu- tions, CrefoSprint for SAP and CrefoDynamics for Microsoft, can be integrated directly into your business processes.

• With CrefoSystem, an integrated cloud solution, individual as well as complex processes are repre-sented.

• Information is also available through traditionalchannels such as phone, fax or letter.

> Dependability for border-free successWith our worldwide country coverage, you can rely on Creditreform’s uniform commercial information not only nationally, but internationally as well.

Creditreform’s made-to-measure solutions address your unique business situation and risks. Our expertswould be happy to advise you.

To help you optimize your risk management, Credit-reform’s support can take the form of problem analy-ses, one-on-one consulting as well as professional se-minars.