Credit Management Experts on Russia, Baltic States and Eastern Europe since 1990 Credit Management Experts on Russia, Baltic States and Eastern Europe © 2018 IGK Group

IGK Group History 1991 – 2018 1990 – the first IGK company was registered in Germany 1992 – first companies of IGK Group were registered in Russia and Baltic States 1993 – IGK Holding was registered in Germany. SCRL (Coface) and Intercredit Holding became members of IGK Holding 1994 – expansion to Lithuania, Estonia, Ukraine, Russia 1998 2007 – separation from Coface 2007 – cooperation with the leading credit risk insurance 2018 companies: Atradius, Euler Hermes, Credimundi Group, Sinosure, K-Sure and other ®

IGK Group profile IGK has 27 years experience providing the customers credit management services: Credit information Debt collection Credit insurance ®

IGK Network IGK presents + Serbia, Montenegro, Kosovo, Bosnia & Herzegovina, Macedonia, Croatia ®

IGK Credit Information / IN-DEPTH report In-Depth report includes: Additional information: Company’s full style and history; Office address, telephone, telex and fax numbers; Company's full activity, products, trade marks; Import and export data, main suppliers and customers; Information about shareholders and directors; Details of affiliated or related companies; Last year balance sheet, operating results, bank references; Negative information register, court files; Creditworthiness and credit recommendation. The result of the opinion poll Country review Information about related persons and companies; Answers on special questions. IGK reports are approved by all main World credit insurers for risk estimation IGK rating will help you to define you company’s politics towards new business partners ®

IGK Credit Information / RATING-REPORT The RATING-REPORT includes: Standard report Additional information, obtained during the visit to the company: - History of the company - Affiliation to the group of companies - Associated/subsidiary companies - Information about the shareholders (possible changes) - Information about the management (experience, qualification) - General basic activity description, activity specificity - Position in the market (% market share, main competitors) - Information about the customers (business line) - Information about the suppliers - Information about movable and real estate - Information about current and future credits - Debtors (accounts receivable) - Customer’s special questions IGK Rating RATING-REPORT is an extended rating report based on the information received during the visit to the company ®

IGK Credit Information / Express-report Verification and assessment of creditworthiness of companies in the Russian Federation IGK Online Portal offers you to get fast: ● express report on a company of interest - verify registration information - assess financial results - make a decision on further cooperation with a company Express-report contains: ▪ all official information on companies, available in the database of the Federal State Statistics Board, including financial data, and additional information from the State Register of Legal Entities (EGRUL/USRLE) with regular update; ▪ negative information from the bankruptcy database (information on bankruptcy procedures and external management) ▪ IGK credit opinion: - credit rating - credit limit Credit Rating and Credit limit is the expert opinion of IGK specialists IGK Online Portal is designed for companies and private persons who need to be confident in the creditworthiness of their customers For more information, visit IGK Online Portal http://online.igk-group.ru/en/ ®

IGK Credit Information / Monitoring Monitoring of Russian companies Name Legal address (if the official address  declared) Management board change, chairman of the board Signature right Reorganizations, mergers Start of insolvency process Liquidation Information is delivered in XLS 1-2 times per week By this monitoring you will receive immediate information on  the important changes in the company ®

Debt Collection No result – no Fee Case receipt confirmation within 72h First dunning letter sent within 72h since case receipt First contact with the debtor within 72h Debtor deep background check Debtor trace Use of IGK Credit Information system data Case legal assessment by the lawyer at no charge Debtor’s official status monitoring No result – no Fee Preferred Partner ®

Debt Collection Litigation & enforcement Court procedure includes: In case the pre-legal stage does not solve the debt problem, we make the legal assessment of the case and provide the lawyer’s conclusion and the list of expenditures for legal actions. Additionally the client might be offered to take out a freshly investigated credit report on the debtor aimed to help the client making his decision regarding possible legal procedure. Court procedure includes: Filling of a suit against the debtor Obtaining judgment Execution of judgment Bankruptcy procedure Presenting the bankruptcy petition in the court; Participation in the creditors meeting; Representing the interests of the client Preferred Partner ®

B2B case handling highlights / I Gathered background information example… Bailiffs office data; Court cases data; Register & tax office data Credit limit & rating data Last interviews Contacts Directors Shareholders Share capital Import / Export operations Branches Subsidiaries Related companies Suppliers Clients …. Preferred Partner

B2B case handling highlights / II Credit limit cancellation notification..... Preferred Partner

Credit Risk Insurance Trade Credit Insurance is meant for the companies selling on deferred payment terms The insured event in credit risk insurance is The insured company gains the following competitive advantages Bankruptcy of the buyer Protracted default (Long-term non-payment) ability to offer deferred payment terms to the buyers ability to prolong deferred payment terms professional risk estimation and check-up of the buyers confidence to start working on new markets and with new buyers Credit Risk Insurance gives an opportunity to secure your business from the unforeseen bankruptcy of the buyer ®

Credit Risk Insurance. IGK Broker Why IGK Insurance Broker? Specialized Broker for Trade Credit Insurance licensed in Russia. Specialized Broker for Trade Credit Insurance licensed in EU. Experiences in Trade Credit Insurance since 1991, since 2005 in Russia. Cooperation with all credit insurers in Russian market. Part of IGK Group – a specialist in Credit Risk Management providing credit information and debt collection services in CIS, Baltic States and Central Europe. Specialists for all steps of Trade Credit Insurance Tender Contract Risk Claim Administration Tender One special prepared application form for all Trade Credit Insurers and assistance in completing it Receiving offers from all Trade Credit Insurers Evaluation of the offers and analysis of the insurance contracts Advice on the choice of the insurance offer Support in achieving an optimal acceptance ratio by gathering of missing or additional information Support in evaluation of gathered information ®

https://online.igkservice.lv/crwa/login.do IGK online service ® IGK Online – information concerning companies in CIS countries, Baltic States and Mongolia ®

Problem? The solution IGK MONEY IS THE FUEL OF ECONOMY Problem? The solution IGK Preferred Partner Associate Membership Credit risk insurance Debt collection Credit information ®