7. Collection Claims This information notifies you of collection claims reported against the firm in the last five years.

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1 Commercial Credit Report User Guide 1. ID Section Business trade style name, business address, business phone and fax numbers, the date the file was established, an Equifax file number and when available, SIC (standard industrial classification) number. 2. Summary Section Designed to give you an overview of the degree of risk and the contents of the report. Will include how suppliers are being paid generally and what negative information is being reported. 3. Credit Information Score / Payment Index (CI/PI)* The CI is a credit risk score calculation. Seven risk elements in the credit report are rated between 0 and 10 and then totaled. The total of the seven is the credit risk score that ranges from a low risk of 0 to a high of 70.The current score is compared to that of the previous two years to quickly identify any trend. The Payment Index number is roughly equivalent to the number of days beyond the payment due date. The current payment index, the last quarter s index, plus the index for the same quarter for the last two years, allows you a quick assessment as to trending. 4. Trade Items Each line of this section shows either the industry or name of the reporting member, the month the line was posted, aged receivable information and the supplier s comments on the customer s payment habits. Information is sorted in descending order by date received. 5. Payment Trends A consolidated trending of supplier experience over nine historical quarters. The current situation is often not as important as the trend. Are payments steady, slower or faster? 6. Returned Cheques Reported in the last five years by suppliers. 7. Collection Claims This information notifies you of collection claims reported against the firm in the last five years. 8. Legal Information Equifax receives notice of legal suits and judgments from virtually every courthouse in Canada and is reported for five years. Page 1

2 9. Other Items This section contains items when available such as Registrations of Security Loans, Notices of Discontinuance, and Builder s Liens. 10. Banking Information When available, this section can include information on accounts, loans and lines of credit held. 11. Company Information When available, this section shows information such as date of incorporation, names of principals, employee detail, premises, finances and inventory details. Information Received from the Superintendent of Bankruptcy. National information is received weekly from the Superintendent of Bankruptcy. This information is reported for five years. Other Files Included in this Report Shows previous address and trade style information. Files are linked together to deliver one complete report. 12. Recent Inquiries Date, member name or industry type and phone number. 13. Credit Information Score Matrix* This shows how the Credit Information Score was calculated. * You may choose to include the Credit Information and Payment Index scores on your reports or the Business Risk Predictor score. Please speak to your Equifax representative for full details. Business Risk Predictor (BRP) Built on an analysis of more than 1.5 million records on Canadian businesses in the Equifax Commercial Credit Database, Business Risk Predictor predicts the current risk associated with an account over a one-year period. The Business Risk Predictor is a probability score. We deliver a score that accurately predicts future performance in an easy-to-interpret way. Simply put, a score of 800 equals an 80 percent chance that the customer is a good credit risk. This makes it a highly effective tool for facilitating the full range of commercial credit granting and account management decisions. Example Business Risk Score (40100-B-1) Score: Presence of collection claim Number of legal suits Number of returned cheques Number of judgments Page 2

3 Page 3 Commercial Report EQUIFAX COMMERCIAL CREDIT REPORT ABC HOMES LTD REPORT DATE : MAY 19, ANY AVENUE FILE OPENED : Dec 01, 1987 CALGARY, AB T2H 0S9 FILE NUMBER : SUBJECT NUMBER : A13999 TELEPHONE : REFERENCE NUMBER : NEW BUSINESS FAX : REQUESTOR ID : JOHN TEST PRIMARY SIC NUMBER (CONTR. ELECTRICAL) * * * SUMMARY * * * CREDIT INFO SCORES PAYMENT 8 TRADE SUPPLIERS OWED 24,967 * 31 CURRENT 51 * 3RD PERIOD PAST DUE OWED 22,822 or 91% * 21 1Q * CURRENT OWED 2,088 or 8% * 25 1Q * HIGHEST CREDIT RPTD 49,157 * 2 1Q * RETURNED CHEQUES... 1 for 3,517 LAST RETURNED CHEQUE... DEC 24, 1998 COLLECTION CLAIMS... 2 for 3,332 LAST CLAIM... JAN 18, 2000 LEGAL SUITS... 1 for 26,194 LAST LEGAL SUIT... JUN 15, 2000 JUDGMENTS... 1 for 1,402 LAST JUDGMENT... MAY 15, 1997 OTHER ITEMS... 1 for 30,749 LAST OTHER ITEM... AUG 01, 1997 * * * TRADE ITEMS * * * SUPPLIER S NAME/INDUSTRY TERMS AMOUNT/PAY HABITS/COMMENTS RPTD OPEN HIGH TOTAL CURRENT PAST DUE/PAY PERIOD DATE DATE CREDIT OWING $ 1ST 2ND 3RD *MAY 0 2,078 2, ,078 WHOLESALE-ELEC EQUIP: *MAY 1,753 1,753 1,753 1, * MAY * MAY P.I. = DAYS REPORTED 4,068 4,068 1, ,078 TRANSPORTATION SERV: *JAN *SEP 49,157 20, ,500 H D CAPITAL * AUG CNTR-PLMBG-HEAT-AIR: *APR P.I. = 91 TOTAL REPORTED 53,624 24,967 2, ,822 Note: Note: * INDICATES THE DATA WAS SUPPLIED BY AN ACCOUNTS RECEIVABLE SUBMISSION. # INDICATES LONG TERM SECURED DEBT, WHICH IS NOT INCLUDED IN THE PI AND CI CALCULATION.

4 * * * PAYMENT TRENDS * * * PAYMENT C.I. NUMBER OF TOTAL CURRENT OVERDUE QUARTERS INDEX SCORE SUPPLIERS OWING $ 1ST 2ND 3RD 1 Qtr/ ,260 11,593 3, ,171 4 Qtr/ ,816 12,565 5, ,078 3 Qtr/ ,806 3,500 3, ,714 2 Qtr/ ,215 2, ,949 2,283 1 Qtr/ ,893 3, ,875 49,934 4 Qtr/ ,131 56,459 20,282 4,108 2,282 3 Qtr/ ,679 25,734 38, ,260 2 Qtr/ ,963 81,012 28, ,528 1 Qtr/ ,246 34,095 13, ,078 * * * RETURNED CHEQUES * * * SYS. DATE BANK DATE AMOUNT REASON RETURNED STATUS JAN 17, 1999 DEC 22, , NSF REPLACED * * * COLLECTION CLAIMS RECEIVED * * * DEBTOR ABC HOMES LTD DATE PLACED JAN 18, 2000 CREDITOR ABC PUBLISHING AMOUNT PLACED 657 AGENCY EQUIFAX ACCOUNTS RECEIVABLE AMOUNT PAID 657 CLOSED APR 12, 2000 LAST PAYMENT APR 12, 2000 COMMENT CLAIM COLLECTED DEBTOR ABC HOMES LTD DATE PLACED DEC 13, 1996 CREDITOR ANY CREDITOR INC. AMOUNT PLACED 2,675 AGENCY EQUIFAX ACCOUNTS RECEIVABLE CLOSED APR 03, 1997 COMMENT CLOSE OUT LETTER SENT * * * LEGAL INFORMATION SECTION * * * STATEMENT OF CLAIM: DEFENDANT ABC HOMES LTD. DATE JUN 15, 2000 PLAINTIFF MAJOR DISTRIBUTOR COURT QUEEN S BENCH AMOUNT 16,364 LOCATION CALGARY REASON GOODS SOLD & DELIVERED FILE # DEFAULT JUDGMENT: DEFENDANT ABC HOMES LTD DATED MAY 15, 1997 PLAINTIFF VAN DOUTH ELECTRONICS COURT QUEEN S BENCH AMOUNT 1,402 LOCATION MISSISSAUGA FILE # M0000/96 * * * OTHER ITEMS * * * REGISTRATION OF SECURITY LOAN: DEBTOR ABC HOMES LTD DATE AUG 01, 1997 CREDITOR ANY BANK OF CANADA COURT REGISTRY OFFICE AMOUNT 30,749 LOCATION CALGARY FILE # /08/01, ABC HOMES LTD GRANTOR S ADD: 4000, CENTRAL PARK RD. MIS,ON.L5R7W3. OF SECURED LOANS: 2. TOTAL NUMBER Page 4

5 * * * BANKING INFORMATION * * * REPORTED ON: ABC HOMES LTD DATE: 2001/03/22 FILE NUMBER: SUBJECT NUMBER: A13999 SOME TRUST COMPANY 555 AVE S.W. CALGARY, ALBERTA, T2T1L4 BRANCH: 010, TRANSIT: REF. PHONE: (403) REF. Fax: (403) ACCOUNT INFORMATION: CURRENT ACCOUNT, OPENED: 1992/05 BALANCE: LOW 5 FIGURES TO MEDIUM 5 FIGURES *** RETURNED CHEQUE DETAILS: QUANTITY: NONE LINE OF CREDIT DETAILS: OPENED: 1980/12/03 AUTHORIZED AMOUNT: LOW 7 FIGURES UTILIZED: 80% RATING: PAID AS AGREED SECURED: YES, EQUIPMENT, MORTGAGE LOAN DETAILS NO LOAN SIGNING OFFICER(S): WILSON JOHN, WILSON BOB, WILSON TOM * * * COMPANY INFORMATION * * * 2000/03/19, ABC HOMES LTD DO NOT CONFUSE WITH: ABC HOME BUILDERS LTD SUBJECT AS5598/CO # * * * RECENT INQUIRIES * * * APR 17, 2001 BANK DEC 16, 2000 BANK NOV 24, 2000 WHOLESALE-ELEC EQUIP SEP 09, 2000 WHLSL-ELECTRONIC PTD APR 15, 2000 TR BANK MASTERCARD (999) MAR 19, 2000 I.M. REPUTABLE INC. (403) FEB 09, 2000 WHLSL-ELECTRONIC PARTS FEB 09, 2000 WHLSL-ELECTRONIC PARTS JAN 06, 2000 WHLSL-ELECTRONIC PARTS SEP 24, 1999 BUSINESS SERVICES JUN 11, 1999 BIG COMPANY LTD (416) JUN 09, 1999 WHLSL-ELECTRONIC PARTS JUN 05, 1999 WHOLESALE-ELEC EQUIP MAY 20, 1999 WHLSL-ELECTRONIC PARTS MAY 15, 1999 WHLSL-ELECTRONIC PARTS Page 5

6 * * * CREDIT INFORMATION SCORE * * * THE CURRENT CREDIT INFORMATION SCORE IS THE TOTAL OF THE FOLLOWING FACTORS: YEARS ON FILE SCORE = 0 CURRENT PAYMENT INDEX SCORE = 10 NUMBER OF TRADE REFERENCES SCORE = 5 LAST QTR. PI VS. SAME QTR. LAST YEAR SCORE = 0 NUMBER OF NEGATIVE OCCURRENCES SCORE = 3 LAST NEGATIVE OCCURRENCE (MONTHS) SCORE = 3 AMT. NEG. OCC. AS % OF CURRENT OWED 100% 51-99% 11-50% 1-10% 0% SCORE = 10 CREDIT INFORMATION SCORE = 31 END OF REPORT Page 6