Factoring Liquidity Assured

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1 Liquidity Assured

2 Affords Greater Flexibility. Is your company aiming to finance its own growth? Are you looking to expand abroad or simply to improve your financial scope? If so, factoring with Credit Suisse is your best option. With this innovative form of financing, you sell or assign outstanding trade receivables to the bank. You can immediately put the liquidity to use in the company, increasing your flexibility so that you can utilize current market opportunities or finance investments for growth. One solution enables you to effectively address several central corporate challenges: Guaranteed Liquidity Improved Creditworthiness Hedging of Del Credere Risk Optimization of Receivables Management Guaranteed Liquidity Through factoring, you receive, largely irrespective of your clients payment goals, up to 90% of the receivable amount, and the remainder follows once payment is received. You can use this inflow of liquidity to settle your own invoices more quickly and take advantage of cash discounts. You also gain a competitive advantage as you are able to grant better payment conditions to your clients. Improved Creditworthiness As part of our sale of your receivables (Full Service/In-House ), the additional liquidity can usually also be used to reduce current liabilities. This shortens the balance sheet and therefore improves the equity ratio, which is a key valuation factor in the assessment of creditworthiness. Hedging of Del Credere Risk Creditworthiness is verified of each domestic and foreign debtor for factoring clients. One limit is set for each debtor. Within this limit, any potential payment default is totally covered (up to 100%).

3 This enables you to ideally protect yourself from debtor default and minimize your risk, e.g. when expanding into new markets. We accept receivables from over 100 countries. Optimization of Receivables Management With Full-Service, we take over your entire receivables management, including reminder procedures and collection. This means that you can concentrate fully on your core business. Your Expert Partner for. Get in Touch. We Would Be Pleased to Advise You. We are always here for you in person as well. For advice, please get in touch with your client advisor or contact directly: Finance Uetlibergstrasse 231 CH-8045 Zurich Telephone Fax As a strong and experienced factoring partner, we have for many years been successfully supporting companies in many sectors. Alongside our comprehensive know-how, we can also provide you with particularly attractive solutions. For more information and our performance and balance sheet calculator, please visit our website: credit-suisse.com/factoring

4 The Main Advantages for You Up to 100% Risk Assumption Financing using factoring is based either on the actual purchase of your receivables or on the basis of an assignment credit. In both cases, this provides you with protection against debtor defaults within the framework of the limits agreed. Customized Products Our factoring services are geared precisely to your needs. We will of course also take account of specific requests concerning receivables management, for example when conducting the reminder process. In the silent procedure, you are in charge of the reminder process in any case. Many Years of Expertise Our specialists have solid know-how in the factoring area and are familiar with markets and sectors. This ensures you are provided with comprehensive advice to match your needs. Simple and Efficient Online Platform You can meet all of your factoring needs online in Net. Our application enables you to call up the financing, generate reports, and electronically transmit invoice data.

5 Our Product Solutions for You. Business Easy In-house Full-Service Guaranteed Liquidity Hedging of Del Credere Risk Improved Creditworthiness Optimization of Receivables Management Tip Use the needs/benefit analysis on our website to find out quickly and simply whether factoring would be a suitable solution for your company: credit-suisse.com/factoring Business Easy Disclosed or undisclosed assignment, i. e. assignment with or without noti - fication to debtor is possible, and on the basis of a credit. In-House Disclosed or undisclosed assignment, i. e. assignment with or without notification to debtor is possible, and balancesheet-optimizing receivables purchase. Full-Service Disclosed assignment, with notification of assignment to debtor, and balancesheet-optimizing receivables purchase.

6 CredIT SUISSe AG P.O. Box CH-8070 Zurich credit-suisse.com/factoring This document was produced for information purposes only and is for the exclusive use of the recipient. The information contained herein is indicative and subject to change at any time. No guarantee is made regarding the reliability or completeness of this document, nor shall any liability be accepted for any losses that arise from its use. This document does not constitute an offer, a recommendation, or an invitation to purchase or sell investment instruments or to execute transactions of any kind. Investors should be aware that prices may fall as well as rise. For this reason, positive performance in the past can be no guarantee of positive performance in the future. Furthermore, foreign currency investments are subject to exchange rate fluctuations. This document must not be distributed in the United States or given to any US persons. The same applies in any other jurisdiction except where compliant with the applicable laws. Copyright 2015 Credit Suisse Group AG and /or its affiliated companies. All rights reserved. SNSC

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