ICAP CREDIT RISK SERVICES. Your Business Partner

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1 ICAP CREDIT RISK SERVICES Your Business Partner

2 ABOUT ICAP GROUP ICAP Group with 56 miion revenues for 2008 and 1,000 empoyees- is the argest Business Services Group in Greece. In addition to its Greek operations based in 5 major Greek cities, the Group aso has subsidiaries in Bugaria, Romania and Serbia. Foowing its acquisition from the SEEF Fund of Goba Finance, the argest private funds company in Southeastern Europe, ICAP Group is rapidy deveoping into a mutidiscipinary service provider. ICAP GROUP offers a wide range of products and services which are grouped in the foowing Business Lines: Credit Risk Services, Marketing Soutions, Management Consuting and Peope Soutions. ICAP Group has recognized business demand for commercia and financia information as imperative to understanding previous history conduct and credit ratings of the enterprise under examination. ICAP's Credit Risk Services provide integrated and up to date commercia and financia business data avaiabe for companies in Serbia, Greece, Bugaria and Romania. Our onine soutions give you the abiity to make better and faster decisions. ICAP's Business Information Service is a vita too for managing Credit Risk that gives the user power to make quaity business decisions. Database is enhanced by ICAP's proprietary and is based on an ISO 9001 Quaity Process, which provides our customers with quaity business information. This quaity information is the foundation of our goba soutions that customers rey on to make critica business decisions. ICAP Group is the ony company in Greece recognized by the Bank of Greece (Juy 2008) as an Externa Credit Assessment Institution (ECAI) in regards to the New Reguatory Framework of Base II, thus proving ICAP's Data Bank egitimacy. Moreover, it is the ony Greek company accepted by the European Centra Bank as a Rating Too source for purposes of Eurosystem Credit Assessment Framework (ECAF). ICAP aspires to be an eminent business service provider. We empoy experienced anaysts and are supported by the most advanced IT systems. The data suppied is based on the ICAP Databank, the argest business database in Eastern Europe, which incudes 3 miion companies in 4 countries. With our services you substantiay reduce your risk exposure; whie we hep you grow profitabe reationships. Credit Risk Services Your protection against bad debts. BUSINESS REPORTS FINANCIAL STATEMENTS SECTORAL BUSINESS INFORMATION RECEIVABLES MANAGEMENT Credit Risk Services are provided by an annua subscription through a variety of deivery methods onine, emai, direct data transfer depending on customers needs. Our site heps you manage information quicky and efficienty by: Searching through various sectors and subsectors, companies, or products you are interested in. Letting you organize, contro and save the business information through a specia section in the site. Processing effectivey a the business reports and financia statements you downoad on your own time.

3 Business Reports Get an instant snapshot of your new customer's credit risk or continuous credit management of your existing customers with our Business Reports. ICAP's Business Reports are reiabe source of information that hep you form an opinion regarding the operation, profitabiity and stabiity of a given enterprise. They incude extensive data on the subject company's commercia activity, such as duration, staff numbers, business activities and products, Board of Directors, sharehoders, affiiated companies, transactiona behavior, creditworthiness evauation, etc. Our Business Reports are speciay designed to provide a the information you may need in order to reach mid and high-risk decisions. Use ICAP's Business Reports to: Schedue Saes Define Credit Poicies Discover Investment Opportunities Depending on the needs of your business, seect the appropriate Business Report: Comprehensive, Standard and Compact. Comprehensive Report Comprehensive Business Report provides excusive information regarding company's commercia activities, reationships as we as various comparisons of financia indicator with competitors. This is as to evauate the company's position in the sector. The report contains the foowing modues: Company profie portrays: contact and identification detais, representing in a gance an overview of the company, premises' address, teephone and fax numbers, e-mai, website addresses for headquarters and other premises. Credit rating and Credit Limit. The scae used for the company profie is as foows; - Credit Rating: a scae from A to E, where A - very good, E - very bad. - Credit imit of the firm from two points of view: as a debtor and cient. Statutory data incuding tax number, nationa I.D., ega form and estabishment, terms of partnership or any other issues such as specia conditions, management organization, name of annotated presenter (id) and reevant date. Company activities and indirect reated activities provided by NACE Codes. Company's history regarding reevant events that have heped estabish the enterprise with additiona notes on dates and description. Empoyment data portrays the company's staff number and progress through time.

4 Premises data on the whereabouts of enterprises, status and contact information. Commercia data if avaiabe/decared by the company: trade marks, represented firms, products/services, import/export activities. Company's administration information regarding board of directors, capita, structure, sharehoder history. Financia data regarding stock exchange information and privatization detais if reevant. Company's information regarding cassification, reative partners and affiiations giving you a picture of the potentia regarding business activities. Sector comparison, peer anayses, presenting the main financia indicators of the company against the sector's averages and peers; sector study. Participations of companies in which the subject company participates as sharehoder. Affiiated companies or participants of the subject company's sharehoders and managers in other businesses as owners. Bank and audit information. Financia statements for the ast 3 years - baance sheet, profit & oss account, evoution of the figures throughout the years; recent financia anaysis on main indicators. Financia anaysis incuding 22 financia ratios and comments. The ratios are divided in 5 groups: Profitabiity Ratios, Evoution of the company eements from financia statements, Liquidity Ratios, Sovency Ratios and Activity Ratios. Negative data: presence in the ist of Credit Miionaires in Serbia, negative financia indications, property iens, information from back ists. News and cases. Standard Business Report Standard Business Report provides genera information about the company's profie. It incudes data on company's activities, management and staff, participation in other companies, affiiated companies, financia statements and other. Compact Business Report Compact Business Report provides brief business information in summary form, incuding the basic financia and commercia data. Marketing Lists It is very easy to ocate any company through ICAP's onine company register based in Serbia. Our database is simpe and easy to use as we appy aready pre determined criteria to match your needs.

5 Financia Statements The financia statements are designed to cover your needs for financia information, providing the financia activities of the company you are interested in. This product incudes: Overa business profie incuding contact and identification detais. Detaied financia statements for the ast 3 years - baance sheet, profit & oss account, evoution of the figures throughout the years; recent financia data on main indicators. Financia and comprehensive anaysis incuding 22 financia ratios (divided in 5 groups). Financia statements, iquidity ratios, sovency ratios, activity ratios, charts, comments, anayses of the financia statements and of the overa standing of the company and its prospects for future short term deveopment. Receivabes Management We use teephone and written communication to manage your Receivabes in a professiona manner heping you coect your debts by achieving maximum efficiency. ICAP Group, though its subsidiary CYCLE CREDIT S.A., offers Receivabes Management services. CYCLE CREDIT S.A. speciaizes in deayed debts particuary on debts derived from consumer oans and credit cards. We respect consumer protection rues, our cients and the aw We respect our cients and protect their pubic image, by aways ensuring that we operate within an approved ega framework. We manage your receivabes, but we do not take any action in regards to your debtors' assets. Our excusive roe is to inform your customers over the phone and to propose oan settements, foowing the guideines that you, our cient, have instructed. Through this way, we encourage your cients to meet their transactiona obigations. We use Advanced Technoogy to achieve the best resuts Cyce Credit has ong understood the potentia of using advanced IT systems. Through the years, we have invested heaviy into data management software and sophisticated IT systems. Cyce Credit possess many years of experience in Receivabes Management and data gathering. We are abe to categorise the factors and conditions of each individua case and to identify the most effective course of action. We empoy a team of fu-time anaysts and programmers. Our IT department can customize our services to meet any specific needs of your company. CYCLE CREDIT empoys more than 450 peope in Greece, Bugaria, Romania and Serbia and participates activey to the deveopments in its fied. The company is a member of the most important pan-european and Internationa Receivabes Management Associations. Through these memberships we are informed of deveopments in our sector. As a resut of constant monitoring of internationa trends, combined with the speciaized know-how we have achieved over the years, it has situated us to the eading position of Receivabes Management Companies in Greece and Southeastern Europe.

6 ICAP Group ICAP SERBIA 86, OMLADINSKIH BRIGADA STR., BELGRADE, SERBIA TEL: , FAX: , Emai: Ur: ICAP GREECE 2, ELEFTHERIOU VENIZELOU STR., KALLITHEA, ATHENS, GREECE TEL.: , FAX: E-mai: ICAP BULGARIA 49, BACHO KIRO STR., 1202 OBORISHTE, SOFIA TEL: , FAX: , E-mai: [email protected], Ur: ICAP ROMANIA GLOBAL CITY BUSINESS PARK, 10 BUCURESTI - NORD ROAD, BUILDING O21, VOLUNTARI, ILFOV - ROMANIA TEL: , FAX: , E-mai: [email protected], Ur: