Today Eurocrea is organized in three different business units: Eurocrea Consulting; Eurocrea Financial Services; Eurocrea Merchant.

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3 Eurocrea was established in 1988 aiming at providing SMEs with consulting and other services related to Subsidized Credit. Since then it has always played a leading role in this sector which had not been exploited before that date. In the following years the group expanded and started dealing also with business consulting. Since the introduction of community enterprise support in 1992, the company has also been consulting on interventions in structural funds. Following the administrative devolution, 1996 the group adopted a strategy which spread through the Italian territory by opening branches in Rome and Turin. In order to finalize its policy, in 2002 Eurocrea Consulting set executive bases in Naples, in order to provide services in the South of Italy. Eurocrea Group claims a staff of over 50 members and 9 bases. By offering SMEs a wide range of products in the area of subsidized credit, business consulting, project-financing and financial services, the Group guarantees counselling all over the territory. Today Eurocrea is organized in three different business units: Eurocrea Consulting; Eurocrea Financial Services; Eurocrea Merchant. Three business units with specific skills in order to deal with complex financial projects, using a methodological approach both in the first steps of a study and in the following phases, with the objective of guarantee a complete control on every operations.

4 EXECUTIVE SUMMARY Eurocrea provides its clients with different consulting advice and services. These advice and services can concern subsidised credit, ordinary and extraordinary financing operations, feasibility studies of investment programmes for innovation and research, and project financing. Eurocrea analyses the feasibility of all the proposed projects. In order to do that, it uses all its available devices to optimise the financial profile and to examine/look after all the technical-formal aspects of the proposed operations (planning, submitting, evaluating, allocating, accounting). Eurocrea works with a wide group of fidelized customers. Some of them are big sellers who adopt subsidised credit as a trading vehicle for promoting their sales. For a long time Eurocrea has been collaborating with the main Credit Institutes and their leasing companies in order to assist clients in subsidised credit and extraordinary financing operations and in other banking support services. Following a special agreement with Industry Associations (A.P.I.) and Professional Associations, Eurocrea provides consulting services to the members.

5 MANAGEMENT CONSULTING Feasibility studies and business plan: Extraordinary financing operations Evaluation, appraisal, merger and acquisitions of companies, branches, trademarks, shares and stocks. Project-financing Management control Subsidized Credit Negotiated planning Territorial agreements Planning contracts Territorial pacts BASILEA II CONSULTING Supporting clients in optimizing their balance sheet with reference to Basilea II Agreement Analysis, monitoring and optimising of credit lines; Training and developing the company s treasury department Creations of the budget and management control tools; Monitoring; Projects of debt and credit lines rescheduling

6 Act n. 1329/65 Act n. 240/81 Act n. 46/82 Act n. 100/90 Act n. 488/92 Act n. 598/94 Act n. 95/95 Act n. 140/97 Act n. 266/97 Act n. 449/97 NATIONAL SUBSDIZED CREDIT Sabatini (direct or linked to leasing) Artigiancassa Technological innovation FRA FIT Promotion of JV sharing Depressed areas industry, tourism and research Technological innovation and protection of the environment Youth entrepreneurship Innovation and Research Automatic incentives Trade and tourism incentives REGIONAL ACTS Regional Operative Programmes. Effective Measures Regional Revolving Funds European Social Fund Measures (for training) LEASING E FACTORING Eurocrea supports big sellers with the aim of projecting the best instruments of leasing as way for the sale. EUROPEAN PROGRAMS Sixth and Seventh Framework Programme econtent PLUS Life + Leonardo Da Vinci Equal Programme Lifelong Learning Programme European Social Fund Culture Programme Cohesion Fund AL-INVEST Regional Aid Programme IV European Agricoltural Fund for Rural Development European Regional Development Fund Progress ( )

7 EUROCREA MERCHANT Advisoring and investment consulting Own Direct Investments in department store, industrial areas, hotels, holi day resorts etc. PROJECT FINANCING Assistance for the legal and financial aspects during a project financing operation. TAX PLANNING AND LEGAL CONSULTING FOR EXTRAORDINARY OPERATIONS Studies on the fiscal impact of both ordinary and extraordinary operations

8 Banca Arditi Galati Banca Carime Banca del Fucino Banca dell'adriatico Banca dell'artig. e dell'industria Banca Italease Banca Pop. Bergamo - Cred. Varesino Banca Pop. Comm. e Industria Banca Popolare di Ancona Banca Popolare di Crema Banca Popolare di Cremona Banca Popolare di Intra Banca Popolare di Lodi Banca Popolare di Mantova Banca Popolare di Novara Banca Popolare di Sondrio Banca Popolare di Vicenza Banca Sella Banco di Brescia BANKS Banco di Napoli Bnl Bnp Paribas Cassa dei Risp. di Forlì e delle Romagna Cassa di Risp. del Friuli Venezia Giulia Cassa di Risp. di Lucca Pisa e Livorno Cassa di Risparmio del Veneto Cassa di Risparmio di Asti Cassa di Risparmio di Biella e Vercelli Cassa di Risparmio di Parma e Piacenza Cassa di Risparmio di Pescara Cassa di Risparmio di Venezia Cassa di Risparmio in Bologna Credito Artigiano Credito Piemontese Credito Siciliano Credito Valtellinese Intesa Sanpaolo Mps Banca per l'impresa Unicredit Banca MAIN CREDIT INSTITUTIONS SPECIALISED IN MEDIUM AND LONG TERM LOANS Banca Nuova Centrobanca Efibanca Interbanca Mediocredito Italiano Unipol Merchant SOME COOPERATIVE CREDIT BANKS LEASING COMPANIES Locat Unicredit Bank Group Locafit Banca Nazionale del Lavoro Group Leasint Intesa San Paolo Group Centro Leasing Spa De Lage Landen Leasing CATERPILLAR Financial GE Leasing Deutsche Bank Leasing

9 MILANO Viale Sondrio, 5 CAP Tel Fax TORINO Via Crescentino, 25 CAP Tel Fax PADOVA P.zza G.Salvemini, 7 CAP tel fax ROMA Corso Vittorio Emanuele II, 229 CAP Tel Fax NAPOLI Galleria Umberto I, 83 CAP Tel Fax

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