1. We help customers worldwide to grow their business by employing our reliable software and cost-effective services to turn their IT strategies into timely delivered projects

2.  +20 M Euro turnover  30% of company revenue generated by exports  70% of TotalSoft solutions has presence abroad  1500 clients in private and public sector  Multinational clients: +60 international groups  +380 full time employees  350 employees with technical background  ISO Certified: 14001, 18001, 27001, 9001:2001 General Overview 15 years of continuous activity on regional market

3.  Successful complex implementations in 21 countries  USA  Western Europe (Austria, Belgium, France, Germany, Greece, Italy, Poland, Sweden, UK)  Eastern Europe (Albania, Bulgaria, Czech Republic, Estonia, Hungary, Moldova, Romania, Russia, Serbia, Ukraine)  Middle East (Saudi Arabia) Clients

4.  Intelectual Property: CHARISMA™ Business Suite  Charisma ERP  Charisma HR & Payroll  Charisma Medical Software  Charisma Office Automation  Third Party Products  Services  Development, Implementation, Outsourcing, Consultancy, Training, Project Management Solutions

5. Main clients Industry leaders on home market FinancialPharmaServices

6. Main clients Industry leaders on home market ConstructionDistribution / RetailProduction

7. CHARISMA FINANCIAL RISK ASSESSMENT Complete financial image & risk evaluation of your business partners

8. Financial Risk Assessment  The hostile economic environment leads to the  Increases of the commercial and credit risks due to legal gaps  Increases of the insolvency or payment incidents risk  Financial institutions can significantly reduce financial risks by using a solution that provides  Accurate information on its potential customers  Information in advance on future commercial transaction risk  Reports on the economic data and financial indicators of their partners  Complete information on their customers: history, shareholders structure, stakeholders, risk assessment or financial statements over the last years Why do we need a solution for evaluating financial risks

9. Why Financial Risk Assessment? Advantages  Centralizes the information into an unique data source and facilitates the quick access to financial indicators  Structures the information on interest categories  Company profile  Insolvency  Risk assessment  Credit limit  Company history  Business units and employees  Shareholders and stakeholders

10. Why Financial Risk Assessment? Advantages  Generates full reports on the company  Financial and commercial data  Company profitability assessment  Financial statements for 5 years - Balance sheet - Profit and loss accounts - Annual growth of items from one year to another  Liquidity  Solvability  Business

11. Why Financial Risk Assessment? Advantages  In-depth company assessments  Security interests  Generated credit limit  Scoring indicator  Sector comparison  Negative financial indicators  Payment incidents  State budget debts  Ensures automatic or manual access to the extracted financial information, upon request

12. Why Financial Risk Assessment? Advantages  Generates negative data reports for a quick notification on  Company's debts to the state  Payment complaints and incidents  Social security  Health  Unemployment debts for the company's employees  Legal files in which it is involved  Provides information and parameterized support for the own scoring engine

13. Why Financial Risk Assessment? Advantages  Generates full reports  Administrators of the company  Affiliated companies  All the business relationships of main shareholders with other companies  Full history of the company evolution  Number of employees  Shareholders structure  Capital  Insolvency  News

14. Study case  Economic view: Country’s macroeconomic and financial outlook has deteriorated dramatically as its access to external sources of finance has become much more constrained and demand for its exports has plummeted.  Banks  The banking system has grown rapidly, but is still small relative to GDP  Stress test results suggest that the primary risk to banks is the rise in NPLs Romanian economy overview

15.  Private sector  Early 2008, strong agricultural production led to upward revisions of growth estimates.  Early 2009 have seen rapid contractions in:  Construction  Manufacturing  Service sectors  Credit aggregates, which were growing extremely rapidly in 2008 are now falling Study case Romanian economy overview

16. TYPE OF OVERDUE DEBTS2009%2008%2007 Past-due debts overdue more than 90 days (*) 5.385383,831.113166,91417 Number of overdue debtors (natural and juridical persons) 201.66745,13138.95984,1975.443 (*) Values: Mil Ron Central Credit Register - Loans and commitments of the credit institutions Study case Romanian economy overview  Overdue Debts

17. YEARCASES% 20078.200 200814.48376,62 200920.00038,09 2010 (*)30.00050,00 2010:Jan-April 7.833 2010: Forecast ICAP DATABANK Romania Study case Romanian economy overview  Bankruptcies

18. Solution for decreasing financial risks Charisma Financial Risk Assessment - Benefits Reduces Business Risks Due to “in depth” analysis of the financial situation of business partners, starting from early stages of tendering, Charisma Financial Risk Assessment significantly reduces the risk of concluding contracts in a disadvantageous way. Provides support in decision making By generating comprehensive financial reports on business partners, the solution will undoubtedly provide a substantial support in decision making, contributing significantly to the validation or invalidation of possible new business contracts. Reduces operational costs Due to centralized information and quickly access, by one click, directly from Charisma ERP interface, Charisma ERP solution significantly reduces operating costs of people involved in the verification of information.

19. Stability & profitability rates Company history Scoring  Operational and Financial Situation  Negative Data Report: negative financial indicators, overdue debts to the state  Risk Rating, Credit Limit, Risk Securities, Payment Incidents, Financial Module EUR/RON, Financial Ratios  Provides Financial Statements from the last 5 years (balance sheet, profit & loss, etc)  Reveals company development, from very beginning to date: Number of employees, ownership structure, capital, insolvency news  Provides parameterized and information support for a proper scoring engine  Brings credit risk ranges in decision making process Solution for decreasing financial risks Charisma Financial Risk Assessment - Benefits

20. TotalSoft Headquarter Global City Business Park, Building O2, 8 th Floor, Bucharest, Romania T: +4021 335 1709 F: +4021 335 1712 marketing@totalsoft.ro www.charisma.rowww.charisma.ro ; www.totalsoft.rowww.totalsoft.ro Request a free demo at http://www.charisma.ro/EN/demohttp://www.charisma.ro/EN/demo