Business Profile Report. Objective, credible and reliable business reporting

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1 Business Profile Report Objective, credible and reliable business reporting

2 Business Profile Report Your job is deciding who gets credit and how much credit to grant. This doesn t have to be a time-consuming task, where obtaining information you need to make informed decisions could take days or even weeks. Business Profile Report from Experian can help you make informed decisions quickly and easily. Who we are and what we do Experian enables organizations to find the best prospects and make fast, informed decisions to improve and personalize relationships with their customers. With over 0 years of experience and thousands of business-to-business clients in North America, Experian has the knowledge, expertise and creativity to help you further develop successful customer relationships. Data We are an industry leader in demographic and credit information on individuals and businesses than any other company in the world, providing power and insight to better understand customer and prospect needs. We maintain credit information on approximately million U.S. consumers and millions of public and private U.S. businesses. Delivery One way to harness the power of this information is through Business Profile Report, our most comprehensive business credit report. Table of contents Business Profile Report... Executive Summary... Trade Payment Information... Payment Trends UCC Profile...8 Commercial Finance Relationships...9 Company Financial Information...0 Notes....

3 Business Profile Report Know the day-to-day risk potential Experian s Business Profile Report presents a current, objective picture of how a business manages its financial obligations. The report will help you make effective business decisions by providing: Actual trade payment experiences Public record information Company background Collections information Comparative data placing a company s payment performance in context within its industry Much of the information displayed on the report comes from actual businesses, like yours, providing us with their accounts receivable information. As such, the information is reliable, accurate and nonbiased, allowing for an objective view of a company s overall financial health. All you need to know about Business Profile Report On the following pages, a sample Business Profile Report is provided with explanations of how to read the report and why the information is important. After you ve had a chance to review this brochure, we re sure you ll agree that Business Profile Report is a valuable tool that will help you make better, more profitable decisions.

4 Executive Summary Evaluate risk at a glance Business Profile Report s executive summary gives you a quick overview of a business s credit behavior, so you can determine whether or not you need to see additional details. The Days Beyond Terms (DBT) and predicted DBT express Experian s estimation of a company s potential risk in a single number. Subcode: 70 Ordered: 09//007 9:09:9 Search inquiry: crocker industries / 00 main / phoenix / AZ / 80 Company Information CROCKER INDUSTRIES 00 MAIN STREET PHOENIX, AZ 80 (0) 0- Executive Summary Current DBT range compared to all industries* 0 8 DBT ($,00 Balance) % % 9% % of U.S. businesses falling within DBT range DBT Norms: All industries: 0 DBT Same industry: DBT Quarterly DBT trends (previous quarters) Q0 Q0 Q0 Q07 Q07 7 month DBT trends Feb07 Mar07 Apr07 May07 Jun07 Jul07 Current 8 Business Identification Number: 800 Experian File Established: PRIOR TO JANUARY 977 Year of Incorporation: 0/0/97 SIC code: PREPACKAGED COMPUTER SOFTWARE - 77 Tax ID: Legal Filings and Collections Bankruptcy filings: Tax lien filings: details (FILED 0/0) Judgment filings: details Total collections: details Sum of legal filings: UCC filings: details Cautionary UCC filings present? Trade Information Monthly average DBT: Highest DBT previous months: Highest DBT previous quarters: Total continuous trades: Current continuous trade balance: Trade balance of all trades (8): Average balance previous quarters: Highest credit amount extended: details month balance range: 7 Performance Analysis Predicted DBT for 0/0/007: DBT Payment Trend Indication: Show No Identifiable Trend Industry payment comparison: Has paid slower than 70% of similar firms Most Frequent Industry Purchasing Terms: NET 0, CREDIT and CONTRCT 0 $,97 0 Yes** $,00 $,00 $7,80 $9,900 $7,00 $80,700 *Days Beyond Terms (DBT) is a dollar-weighted calculation of the average number of days that payment was made beyond the invoice due date based on trades on file that have been updated in the previous three months. **Cautionary UCC filings include one or more of the following collateral: Accounts, Accounts Receivable, Contracts, Hereafter Acquired Inventory, Leases, Notes Receivable or Proceeds. /9 Company Information Company s location, phone number, primary business category, Experian file number and file-established date. Date of incorporation and tax ID number are provided, when available. Current Days Beyond Terms (DBT) industry comparison Provides key measurements of payment performance compared with other U.S. businesses, including: The trade balance associated with the existing tradelines that have been updated in the previous three months DBT norms compares the company s average DBT against the average DBT of all industries and other businesses within the same industry Quarterly DBT trends The business s average DBT performance for the previous five quarters. Days Beyond Terms a dollar-weighted average number of days beyond the contractual due date that a business pays its bills based on tradelines that have been updated in the previous three months Monthly DBT trends The business s average DBT performance for the previous seven months.

5 Executive Summary Legal Filings and Collections Summarizes public record and other derogatory 7 Performance analysis A forecast of the expected DBT for 0 days into information, including original bankruptcies, tax liens, the future, payment trending, how much slower the judgment filings and reported collection accounts. business pays its bills than similar companies and the Hyperlinks within the Executive Summary allow you most common purchasing terms associated with the to quickly navigate to additional details in the body business s industry. of the report. Trade Information Provides a snapshot of important trade balances and payment performance metrics, including: Key DBT calculations Total continuous trades number of existing trades that have been updated in the previous three months Largest amount of credit extended in the previous six months Lowest to highest range of total balance owed over the previous six months

6 Trade Payment Information An objective view of credit performance Legal Filings and Collections Collections Date Original Status Placed Balance 0/007 Open Account $ 0/007 Closed, Uncollected $,00 09/00 Paid in Full $0 09/00 Open Account $ Outstanding Balance $ $,00 $0 $ Date Closed 0/007 09/00 Agency Agency Phone HARBOR VIEW CREDIT SERVI (08) 9 00 ALLIED COLLECTIONS (0) CREDIT MEDIATORS (800) 8 0 CREDIT MEDIATORS (800) 8 0 Legal filings and collections summarizes collected public record data and other derogatory information; includes bankruptcies within the past nine years, tax liens and judgments including filings released within the past five years, Uniform Commercial Code filings and types of collateral pledged, reported collection accounts and telecommunications accounts that are reported as write-offs or skips. Trade payment experiences information allows easy analysis of whether a business s ongoing payment behavior is steady, improving or declining. 09/00 Open Account $0 Judgments File Filing Date Type //00 Judgment 09//00 Judgment 07/9/00 Judgment 0/0/00 Judgment 0/07/00 Judgment 09/09/00 Judgment 0/0/00 Judgment $0 Tax Liens File Filing Status Amount Date Type 0/0/00 State Tax Lien Filed $,00 Trade Payment Information Trade Payment Experiences (Tradelines with an * after date are newly reported) Business Date Last Payment Recent High Category Reported Sale Terms Credit ADVERTISNG 07/007 07/00 NET $,00 AIR TRANS 0/007 0/007 NET 0 $700 AIR TRANS 0/007 0/007 NET 0 $00 +BUREAU 08/007* 0/007 VARIED $,900 CHEMICALS 08/007 NET 0 $700 +COMMUN EQP 0/007 NET 0 $,000 COMMUN SVC 0/007 NET 0 +COMMUN SVC 0/007 0/007 NET 0 $,700 COMPUTERS 07/007 0/007 $0,800 $,900 $00 $,000 $,00 $,800 CREDIT MEDIATORS Filing Number 0008 Balance Cur % 98% % 00% 98% % % % (800) 8-0 Filing Status Amount Plaintiff Judgment Number Satisfied $,000 SAMANTHA PARK 0C797 MARION DISTRICT COUR Filed $,000 SAMANTHA PARK 0C797 MARION DISTRICT COUR Filed $, STATE OF ARKANSAS PULASKI COUNTY CIRCU Satisfied $,00 SAMUEL BRYCE SC007 CENTRAL ORANGE MUNIC Filed $,000 CHARLES JOHNSON SC007 CENTRAL ORANGE MUNIC NYC DEPARTMENT Satisfied $ NEW YORK COUNTY REG OF FINANCE NYC DEPARTMENT Filed $ NEW YORK COUNTY REG OF FINANCE Account Status Days Beyond Terms Jurisdiction ORANGE COUNTY RECORD % Comments PROMPT SATSFTRY The trade payment information in the Business Profile Report provides a timely and accurate view of a business s credit performance. Each tradeline represents a unique commercial credit relationship. ELEC DISTR ELEC SUPLR FINCL SVCS FREIGHT GENERAL 0/007 NET 0 0/007 0/00 /0N0 0/007 0/00 0/007 0/007 07/007 CONTRCT VARIED CONTRCT $,00 $,00 $00 00% SATSFTRY /9

7 Trade Payment Information Trade Payment Totals summarizes the totals for continuously reported and newly reported tradelines. GENERAL 0/007 NET 0 =HEATNG&A/C 08/007 /00 NET 0 $,800 $00 00% $,00 INDUS SUPL 07/007 0/007 NET 0 CUST YR +LUMBR&WOOD 08/007 07/007 VARIED $9,00 $00 00% CUST YR Additional Payment Experiences includes payment experiences on nontrade accounts, such as leases and bank loans. This section also lists any tradeline that has not been updated within the previous three months. OFFC SUPPL =PACKAGING SAFTY PROD 0/007 07/007 0/007 0/007 NET NET 0 NET 0 $,700 $,00 $,00 $,00 +SERV ASSOC 07/007 07/007 NET0TH $,900 $,000 00% TELECOM 07/007 NET 0 $,700 $,700 00% 8% 8% 00% CUST 7 YR CUST 0 YR CUST YR $,700 TELECOM 0/007 /00 NET EOM WRITE-OFF TELECOM 07/007 NET 0 <$00 +TEMP HELP 07/007* NET 0 $,900 $,900 00% TRANSPORTN 0/007 TRANSPORTN 08/007 WAREHOUSE 07/007 0/00 0/00 0/00 VARIED NET VARIED <$00 <$00 00% CUST 7 YR Trade Payment Totals Type Trade Payment Experiences Recent Lines High Reported Credit Account Status Days Beyond Terms Continuously Reported 7 $09,00 $,00 7% 8% 7% 8% DBT: 8 Newly Reported $,800 $,800 00% DBT: 0 Trade Lines Totals 9 $,00 $7,00 % % % % DBT: Additional Payment Experiences Business Category Trade Payment Experiences (Trade Lines with an (*) after date are newly reported) Date Reported Last Sale Payment Terms Recent High Credit Account Status Days Beyond Terms ACCT SVCS /00 NET 0 AIR TRANS 0/00 VARIED $00 AIR TRANS 0/00 NET 0 $00 CUST YR AIR TRANS 0/00 NET 7 AUTO PARTS /00 0/00 VARIED $00 $00 7% +BUS SERVCS 0/007 0/007 NET 0 $0,800 $700 00% 9% % % BUS SERVCS 0/007 /00 NET 0 BUS SERVS 07/00 0/00 NET 0 $9,900 $,00 00% CELLUL/PAG 09/00 0/00 NET 0 CUST YR CELLUL/PAG 0/00 NET 90 $00 CUST 8 YR +CELLUL/PAG 0/00 0/00 NET 0 $00 $00 00% CUST YR CERAMICS 0/007 NET 0 CHEMICALS 08/00 NET 0 $,00 $,00 9% % % COMMUN SVC 08/00 NET 0 +COMMUN SVC 08/00 NET $0,800 $,00 % % /9

8 Payment Trends Evaluate ongoing payment behavior Monthly Payment Trends Date Reported AUG07 JUL07 Payment Trends Analysis PREPACKAGED COMPUTER SOFTWARE 77 Cur N/A 87% Industry DBT N/A Business DBT 8 9 $,00 $78,900 7% 0% Account Status Days Beyond Terms 8% % 7% % % 8% % JUN07 90% $,900 % % % % 8% MAY07 90% $,00 7% % % % % Monthly Payment Trends uses APR07 MAR07 89% 89% 8 0 $80,700 $,700 9% 7% % % % % % 8% 9% % continuously reported tradelines to identify FEB07 89% $89,900 % % % 9% 7% changes in payment behavior over the previous six months. Quarterly Payment Trends Quarter Months DBT Balance Cur Account Status Days Beyond Terms APR JUN $8,800 0% % % % % Quarterly Payment Trends represents Q 07 Q 0 JAN MAR OCT DEC 0 $0,00 $7,00 7% % 8% % 7% % % % % % a five-quarter analysis of payment trends. Q 0 Q 0 JUL SEP APR JUN 9 $8,000 $,00 % % 9% % % % % % % Inquiries provides a summary of all inquiries made on the subject within the past nine months. Inquiries Summary of Inquiries Business Category UNSPCIFIED BANK BUREAU AUG0 JUL0 JUN0 MAY0 APR0 MAR0 FEB0 JAN0 DEC0 FINCL SVCS Government Financial Profile reports GENERAL LEASING selected financial and contract data TRANSPORTN Totals reflecting the company s dealings with federal government agencies. Government Financial Profile Account Status Days Beyond Terms Business Category Date Reported Last Sale Payment Terms Recent High Credit GOVT/GSA 0/00 0/00 NET 0 $7,000 $9,800 00% /9 7

9 UCC Profile Assess liquidity and locate assets UCC profile The Business Profile Report notes the presence of any Uniform Commercial Code (UCC) filings. UCC filings are required whenever a company pledges assets as collateral. Business Profile Report lists up to the 0 most recent UCC filings (original, amendments or terminations), with the most recent displayed first for easy review. If more than 0 UCC filings are indicated for the business, you may access a complete UCC filing report free of charge on the same business day as your Business Profile Report inquiry. UCC Profile The number of UCC Filings is summarized with the 0 most recent listed below. into the Experian number field of the BizApps SM order page. UCC Summary Filings Cautionary Total Released/ Amended/ Date Range Year Cont UCCs* Filed Term d Assigned 007 JAN JUN 007 JUL DEC 00 JAN JUN 00 JUL DEC 00 PRIOR TO JUL Totals 7 0 *Cautionary UCC Filings include one or more of the following collateral: Accounts, Accounts Receivable, Contracts, Hereafter Acquired Inventory, Leases, Notes Receivable or Proceeds. UCC Filings UCC CONTINUED Date: 0//007 Filing Number: OH Jurisdiction: SEC OF STATE OHIO Secured Party: NATIONAL CREDIT CORPORATION NJ PARSIPPANY 070 Collateral: UCC FILED Date: //00 Filing Number: 0 0 Jurisdiction: SEC OF STATE DELAWARE Secured Party: EMPIRE BUSINESS CREDIT, LLC IL CHICAGO 00 NORTH CENTRAL AVENUE Collateral: EQUIP, HEREAFTER AQUIRED PROP UCC FILED Date: 0/7/00 Filing Number: 809 Jurisdiction: SEC OF STATE DELAWARE Secured Party: AMERICAN CAPITAL CREDIT WA BELLEVUE NW RD Collateral: EQUIP, HEREAFTER AQUIRED PROP, UNDEFINED UCC FILED Date: 0/0/00 Filing Number: OH0009 Jurisdiction: SEC OF STATE OHIO Secured Party: NEW ENGLAND TECHNOLOGY ASSOCIATES MA BOSTON 00 7 SOUTH STREET Collateral: UCC FILED Date: 09/9/00 Filing Number: 0 8 Jurisdiction: SEC OF STATE DELAWARE Secured Party: RRC CORPORATION AZ PHOENIX 7 NORTH CAMEL LOOP Collateral: EQUIP, UNDEFINED, HEREAFTER AQUIRED PROP UCC FILED Date: 08/8/00 Filing Number: OH00089 Jurisdiction: SEC OF STATE OHIO Secured Party: EMPIRE BUSINESS CREDIT, LLC IL CHICAGO 00 NORTH CENTRAL AVENUE Collateral: UCC FILED Date: 0/07/00 Filing Number: Jurisdiction: SEC OF STATE DELAWARE Secured Party: NEW ENGLAND TECHNOLOGY ASSOCIATES MA BOSTON 00 7 SOUTH STREET Collateral: EQUIP, HEREAFTER AQUIRED PROP, UNDEFINED UCC FILED Date: 0//00 Filing Number: 089 Jurisdiction: SEC OF STATE DELAWARE Secured Party: UNITED BUSINESS EQUIPMENT COMPANY NJ MONTVALE 07 9 WEST COLUMBIA Collateral: EQUIP, UNDEFINED, HEREAFTER AQUIRED PROP /9 8

10 Commercial Finance Relationships Identify lending relationships Commercial Finance Relationships identifies: The name, address and phone number of the business s primary bank Type of banking relationship Account status and balances, when available Any reported leasing or insurance bond relationships Company Background Information may include: State of incorporation Business s incorporation date Charter number Current status of business Names and titles of principal officers Product and service lines Most recent filing date Name and address of registered agent UCC Filing Date: /0/00 Filing Number: 0000 Jurisdiction: SEC OF STATE CALIFOR Secured Party: JONATHAN RUIZ CA COSTA MESA 9 IN CARE OF: PO BOS Collateral: FURN & FIX, EQUIP, UNDEFINED, HEREAFTER AQUIRED PROP UCC Filing Date: /0/00 Filing Number: 00C00 Jurisdiction: SEC OF STATE CALIFOR Secured Party: JONATHAN RUIZ CA COSTA MESA 9 IN CARE OF: PO BOX Collateral: UNDEFINED Commercial Finance Relationships Banking Relationships Financial Institution: INDUSTRY STATE BANK Account Type: MERCHANT BANK CARD Date Opened: 08/0/00 Account Rating: SATISFACTORY AS OF 0/0/00 Financial Institution: BANK OF US Account Type: MERCHANT BANK CARD Date Opened: 0/0/00 Account Rating: SATISFACTORY AS OF 0/07/00 Account Balance: FIVE FIGURES Financial Institution: MESA FINANCE Account Type: MERCHANT BANK CARD Date Opened: /08/00 Account Rating: GENERALLY SATISFACTORY AS OF 0/0/00 Account Balance: FOUR FIGURES Leasing Relationships Leasing Company: Origination Date: 07/00 Original Lease Amount: $,0 Lease Product Type: OFFICE EQUP Lease Term: 0 Months Payment Interval: MONTHLY Payment Type: FIXED Current Due Date: 0/0/007 Current Scheduled Amount Due: $ Amount of Overdue Payments: Remaining Balance: $,7 Current Payments: 0 Late Payments: 7 Insurance Bond Relationships Bonding Company: CONTRACTORS BONDING & INSURANCE Address: 8 INTERCOASTAL DR FT LAUDERDALE FL 0 Phone: (7) Bond Type: General Liability Insurance Company Background Information Corporate Registration THE FOLLOWING INFORMATION WAS PROVIDED BY THE STATE OF ARIZONA State of Incorporation: AZ Date of Incorporation: 0/0/97 Current Status: Active Business Type: Profit Charter Number: 770 Tax ID: /9 9

11 Company Financial Information In-depth analysis of a company s history Audited financials are an important indicator of the financial health of publicly held companies. Business Profile Report provides comprehensive company financial information for gauging financial strength in relation to payment habits. Balance sheet is included for the most recently reported fiscal year and two years prior. Operating statement provides a profit/ loss statement for the most recently reported fiscal year and two years prior. Additional Company Background Information Key Personnel Principal(s): JOHN Q CONSUMER, PRESIDENT Operating Information Primary SIC Code: PREPACKAGED COMPUTER SOFTWARE 77 Number of Employees: 90 Sales: $,,0,000 Company Financial Information Balance sheet for fiscal year ending: DEC Data current through: 09//007 ($ Thousands) Cash and equivalent 0,9 90,7,,7 Inventory,78, Other current assets,77 8,00 Total current assets 7,79 8,7,8,80 Investments,9,9 Other assets, 9,9 Total assets,99 70,07 Debt due in year,00,0 Notes payable 0 0,000 Accounts payable,9, Taxes payable,0 80 Other current liabilities 7,08 70, Total current liabilities,0 8,0 Long term debt 0,000,000 Other liabilities,7,9 Net worth 8,9 9, Total liab. and net worth,99 70,07 Operating statement for fiscal year ending: DEC Data current through: 09//007 ($ Thousands) ,9,98,88 7,8 9,009 8,7,77 70,87 9,908,0,000,9 9 9,80, 0,000 0,77,998 9, Net Sales,,0,,89,099,8 Cost of goods sold 9, 8,80,77 Gross income on sales,87,0,8 Expenses 7, 9,8 8,78 Pre-tax income, 8,8 8,97 Taxes,9,88 0,0 After tax income 90,8 0,, Net income 90,8 0,,99 8/9 0

12 Company Financial Information Critical data and ratios are calculated for the most recently reported fiscal year and two years prior, including tangible net worth and net sales. Net worth Net working capital Critical data and ratios for fiscal year ending: DEC Data current through: 09//007 ($ Thousands) ,9 9,, 7,987 00,998,7 Current ratio (times).8..9 % Total debt to N.W % Current debt to N.W % After tax inc. to N.W % After tax inc. to net sales Net sales to inventory (times) CGS to inventory (times).0.8. Avg. days sales outstanding (days) End of report of reports The information herein is furnished in confidence for your exclusive use for legitimate business purposes and shall not be reproduced. Neither Experian Information Solutions, Inc., nor their sources or distributors warrant such information nor shall they be liable for your use or reliance upon it. 008 Experian Information Solutions, Inc. All rights reserved Experian and the marks used herein are service marks or registered trademarks of Experian Information Solutions, Inc. Other product and company names mentioned herein may be the trademarks of their respective owners. 9/9

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14 7 Anton Blvd. Costa Mesa, CA 9 T: Experian Information Solutions, Inc. All rights reserved Experian and the marks used herein are service marks or registered trademarks of Experian Information Solutions, Inc. Other product and company names mentioned herein may be the trademarks of their respective owners. /08 80/0 89-CS