WORLDWIDE PAYMENT PROTECTION

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1 WORLDWIDE PAYMENT PROTECTION Few other credit management services providers can match our ability to help you get paid for products and services delivered anywhere in the world.

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3 90,000 CLIENTS. 180 COUNTRIES. 1 COMPANY. At Intrum Justitia, we know there is no substitute for excellence when going the extra mile to protect your business, no matter where in the world you are selling your products and services. Our position as the world s leading credit management services (CMS) company reflects how highly we value your sustained profitability and the way our national and international credit management services help protect and improve client cash flow. Our 3,100 skilled, knowledgeable professionals leverage the comprehensive and global credit management and collection expertise amassed since Intrum Justitia was founded in Wherever in the world you are doing business, you can rely on Intrum Justitia to protect your opportunity for sustained growth. The Intrum Justitia share has been listed on the Nasdaq OMX Stockholm since 2002.

4 COORDINATED UNIVERSAL TIME In the USA, late payment interest is customarily regulated by contract. SHOULD YOUR BUSINESS SUFFER JUST BECAUSE YOU SELL GLOBALLY NO WAY! Running any business in the real world is hard work. And selling products and services to customers in sometimes faraway markets brings added complexity for any corporation, large or small, from coping with differing regulations to handling different languages. At Intrum Justitia, we help you successfully meet the challenges of doing business internationally with innovative credit management services designed to protect and strengthen your bottom line. Our professional team of credit advisors understand how late payment can threaten your future growth and have the international expertise and solutions to help you get paid for products and services delivered. As a leading global credit management specialist, we can take responsibility for handling and collecting late payment anywhere in the world In Brazil, execution means a fast track legal procedure with judgements within a year. on your behalf, freeing up valuable management resources and allowing you to focus on your core business. And as we charge a success-based commission on recovered debt, we deliver all our clients bottom line enhancing costefficiency beyond peace of mind. Our services at Intrum Justitia have been developed and fine-honed over many years, taking into account local practices, cultures and legislation. Leveraging local data, we partner with you to ensure your company s credit management and credit policies are optimized and harmonized for each individual market in which you operate

5 Full documentation is vital when pursuing collection in Russia. The arbitration process in Slovakia is faster and cheaper than court proceedings. In Japan, only lawfirms can undertake collection activities. INTERNATIONAL DATE LINE In South Africa, average payment terms for B2B is 60 days. Reminder fees are not normally charged in Australia. YOU HAVE THE PRODUCTS TO SELL, WE HAVE THE INTEGRATED WORLDWIDE SOLUTIONS THAT GET YOU PAID. We believe we offer an unmatched global credit management services network that delivers Intrum Justitia clients services tailored to the maturity, regulations and practices of each individual market. Because we view your business success as our business, we have invested in building our own dedicated global network of local wholly owned or partner operations, thereby avoiding all the pitfalls of loosely-knit networks

6 OUR PROACTIVE GLOBAL CREDIT MANAGEMENT SERVICES FOCUS ON GETTING YOU PAID ASAP From Dubai to Jakarta, Auckland to Moscow, we provide the credit management professionals who make it their business to help your ongoing business success and ensure you get paid for your products and services. At Intrum Justitia, we have devoted almost 100 years to building unprecedented knowledge and insight into local business practices, legislation and culture just about everywhere on the planet. We believe our insider approach and tools like those listed below proactively contribute to your ability to reduce risk and increase opportunity when doing business across borders. Payment monitoring and reminder services Free up your internal resources to let them focus on core business by letting our professionals handle your invoices, book payments and reminder processes with their quality-assured approach. Credit management Gain better results at lower cost by outsourcing your invoicing and collection to our credit management professionals, who are totally dedicated to protecting your image at all times. Whatever the size of your corporation, we have the organization, competence and experience to support you. Subscription-based market intelligence Key to developing a successful international credit strategy is being able to access reliable and up to date market intelligence information. Intrum Justitia has built what we believe is an unmatched global yet local database that serves the needs of any international credit management professional. Worldwide collection services Save unnecessary costs and wasted time in chasing late payment from enterprises, organizations and individuals for products and services delivered at home or abroad, regardless of distance. Leverage our unique network of wholly owned or partner operations, each of whom have the local market and legal expertise to sustain your profitability. 4

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8 LEVERAGE OUR INFORMATION FOR YOUR SUSTAINED EXPORTING SUCCESS Driven by the needs of our clients selling products and services all around the world, we have developed an export accounts receivable handling solution that helps bring sustained business success and peace of mind in doing business beyond home markets. We help any client, regardless of size or business activity, develop sound international trading credit management policies We help clients create solid and resilient payment-driving processes leveraging our in-depth local market insights LOCAL MARKET PRACTICES (data snapshot) Average Standard Payment Terms (#days) Average number of days after due date to initiate collection activities Number of reminders normally used Reminder fee is normally charged Amount of fee Reminder fee regulated by law 6

9 THIS IS HOW WE OPTIMIZE YOUR INTERNATIONAL MARKETS Single Point of Contact a super efficient solution designed to secure your international credits regardless of where the debtor is located. Payment Monitoring, Reminder and/or Collection Services achieve solid results thanks to the way we leverage our in-depth knowledge about the local business environment of a debtor in every global market to implement a payment action. Powerful network because all business is local, you can count on our worldwide network of own offices or partners to contact a debtor in their own language to speed efficient payment of accounts receivable. Partnership we know not all outstanding debt can be settled easily, so we partner with you in identifying and implementing all the various legal options to resolve an international credit issue in a firm but fair way designed not to harm your corporate image. IntrumWeb this advanced, highly secure solution ensures you stay up to date on your credit developments 24/7 thanks to the way we harness and integrate both the latest web-based tools and our highly professional team of international credit management experts. IntrumWeb allows you to retrieve or submit information at your convenience.

10 EUROPEAN PAYMENT INDEX Helping turn new challenges into new opportunities Good market intelligence and insight is vital to every business and critical to every decision, especially in today s highly challenging competitive environment. The Intrum Justitia annual European Payment Index (EPI) has won wide acclaim for the insightful way it delivers credit management professionals worldwide the ability to understand and act on cross border trade differences, trends and risks. The EPI underlines how we value your business by ceaselessly updating our in-depth understanding and knowledge of the credit management issues and solutions so that we can positively impact your sustained profitability. We welcome you to access the latest Intrum Justitia EPI Report free of charge at www. intrum.com 8

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12 FIVE LOGICAL REASONS TO USE INTRUM JUSTITIA TO SUPPORT YOUR CRITICAL BUSINESS DEVELOPMENT We are where you need us, when you need us, with credit management professionals, services and solutions that understand local business environments in every country around the world. You can leverage our vast knowledge bank to implement the right credit policy for any country in the world thanks to the global expertise we ve built up over many decades of helping business do better business literally everywhere. We offer firm but fair robust and diverse collection solutions designed to secure you payment while protecting your corporate image and reputation. We value your business as our business by working to secure your cash flow today and your competitive edge long into tomorrow. You have one point of contact, someone who speaks your language and with the skills to solve global credit management issues with solutions by collaborating efficiently and effectively across multiple offices around the world. 10

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14 CONTACT Head office Intrum Justitia AB Marcusplatsen 1A, Nacka SE Stockholm Sweden Austria Intrum Justitia GmbH Andromeda Tower Donau-City-Straße 6, 1220 Wien Austria Belgium Intrum NV Martelaarslaan 53 BE-9000 Gent Belgium Czech Republic Intrum Justitia s.r.o. Prosecká 851/ Praha 9 Czech Republic Denmark Intrum Justitia A/S Lyngbyvej 20, 2. etage DK-2100 Copenhagen Denmark Estonia Intrum Justitia AS Rotermanni 8 EE Tallinn Estonia Finland Intrum Justitia Oy Hitsaanjankatu 20 FI Helsinki Finland France Intrum Justitia SAS 97 Allée Alexandre Borodine CS FR Saint Priest Cedex France Germany Intrum Justitia Inkasso GmbH Pallaswiesenstrasse DE Darmstadt Germany Hungary Intrum Justitia Kft Pap Károly u. 4 6 HU-1139 Budapest Hungary Ireland Intrum Justitia Ireland Ltd 1st Floor, Block C Ashtown Gate, Navan Road IE-Dublin 15 Ireland Italy Intrum Justitia S.p.A. Viale E. Jenner 53 IT Milan Italy Latvia SIA Intrum Justitia K.Ulmaņa gatve. 2 LV-1004 Riga Latvia Lithuania Intrum Justitia UAB A.Gostauto 40A LT-Vilnius Lithuania Netherlands Intrum Justitia Nederland B.V. Johan de Wittlaan 3 NL-2517 JR The Hague Netherlands Norway Intrum Justitia AS Nils Hansensv. 2, Etterstad NO-0604 Oslo Norway Poland Intrum Justitia Sp. z.o.o. ul. Domaniewska 41 PL Warsaw Poland Portugal Intrum Justitia Portugal Lda Av. Duque D Avila N D PT Lisbon Portugal Slovakia Intrum Justitia s.r.o. Karadzicova 8 SK Bratislava Slovakia Spain Intrum Justitia Ibérica S.A.U. Juan Esplandiú, ES Madrid Spain Sweden Marcusplatsen 1A, Nacka SE Stockholm Sweden Switzerland Intrum Justitia AG Eschenstrasse 12 CH-8603 Schwerzenbach Switzerland United Kingdom Intrum Justitia Ltd The Plaza, 100 Old Hall Street Liverpool Merseyside L3 9QJ United Kingdom 12

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16 Our clients, large or small choose us because they rate us one of the most-connected credit management services networks in the world. Our customers count on benefiting from our unsurpassed local market knowhow, support, reliability, security and speed in providing efficient and effective credit management services and solutions globally. If you want to discover how we could help you support your bottom line growth as you seek expansion into new growth areas, countries or regions, please visit our webpage at intrum. com, or contact one of our professionals in an Intrum Justitia office local to you. We look forward to showing just how highly we value your business.

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