1. SME Credit Bureau in Singapore Serving Critical Information Needs For Credit Manager Dun & Bradstreet (Singapore) Pte Ltd 25 th October 2006 The BIIA Business Information Forum 2006 Tianjin, China

2. Property of Dun & Bradstreet (Singapore) Pte Ltd SME Credit Bureau A collaborative effort between Dun & Bradstreet (Singapore) Pte Ltd and the Association of Small and Medium Enterprises (ASME). Launched on 21 Mar 2005 by Dr Vivian Balakrishnan, Minister for Community Development, Youth & Sports and Second Minster for Trade & Industry. Fully operational on 01 October 2005.

3. Property of Dun & Bradstreet (Singapore) Pte Ltd SME Credit Bureau

4. Property of Dun & Bradstreet (Singapore) Pte Ltd It is an online repository of Companies’ information and credit track records. Credit history is one indicator of a Company’s character in terms of meeting its debt obligations. Inclusive are Company’s Registration details to help confirm application information and business validity. Information is obtained from members of the bureau, public databases, other external databases, including litigation and winding up cases. SME Credit Bureau

5. Property of Dun & Bradstreet (Singapore) Pte Ltd Data Repository Scoring Specialist Bureau Members SME Credit Bureau - Concept Companies & Businesses Registry Information Litigation Information

6. Property of Dun & Bradstreet (Singapore) Pte Ltd SME Credit Bureau – Data Elements Public Information Company Registration DataCompany Registration Data Capital InformationCapital Information Change of Company NameChange of Company Name Officer (s)Officer (s) ShareholdersShareholders SubsidiariesSubsidiaries Registered ChargesRegistered Charges Suits / LitigationSuits / Litigation Winding UpWinding Up

7. Property of Dun & Bradstreet (Singapore) Pte Ltd Bureau data elements 1.Alternate Addresses 2.Alternate Company Names 3.Previous Enquiries 4.Defaults 5.Payment Information Summary SME Credit Bureau – Data Elements 6.Detailed Payment Information (as appendix) 7.Payment Index 8.New Credit Risk Index 9.Industry Risk Indicator

8. Property of Dun & Bradstreet (Singapore) Pte Ltd Contributors’ Profile – By Industry GDP Q2, 2006

9. Property of Dun & Bradstreet (Singapore) Pte Ltd Payment Experience – By Entity Type

10. Property of Dun & Bradstreet (Singapore) Pte Ltd Payment Experience – By Paid Up Capital

11. Property of Dun & Bradstreet (Singapore) Pte Ltd Payment Experience – By Industry By Industry GDP Q2, 2006

12. Property of Dun & Bradstreet (Singapore) Pte Ltd Payment Experience – By Industry

13. Property of Dun & Bradstreet (Singapore) Pte Ltd Payment Experience – By Sales Turnover

14. Property of Dun & Bradstreet (Singapore) Pte Ltd Payment Experience – By Employee Size Micro Loan: < 10/200 (manufacturing) Other Schemes: < 200

15. Property of Dun & Bradstreet (Singapore) Pte Ltd Relevance of data (to Enterprise Banking): Entity Type: >80% on Companies Paid up Capital: > 50% of PUC < ½ million Industry: In line with top 4 performing sector Sales Turnover: > 60% with < $25 million sales turnover Employee Size: > 85% with < 200 employees Payment Experience Database

16. Property of Dun & Bradstreet (Singapore) Pte Ltd Other Initiatives – SME Toolkit 1.SME Toolkit International Finance Corporation (World Bank Group) Web-based content management system & portal Leverage the latest information and communication technologies to help SMEs learn and implement sustainable business management practices Increase SMEs productivity, efficiency and capacity, as well as improve their access to capital and new markets.

17. Property of Dun & Bradstreet (Singapore) Pte Ltd Content available in this portal: Accounting & Finance Budgeting & Forecasting Credit & Collection Financial Management & Reporting Finding Finance Human Resources Legal & Insurance Incorporation Marketing & Sales Customer Service International Business http://www.businesstoolkit.com.sg Other Initiatives – SME Toolkit

18. Property of Dun & Bradstreet (Singapore) Pte Ltd Other Initiatives – SME Toolkit

19. Property of Dun & Bradstreet (Singapore) Pte Ltd Other Initiatives – Credit Advisory 2. CREDIT ADVISORY UNIT jointly managed by D&B Singapore & Evolve Maximus  Improve financial and business strengths of SMEs through highly relevant and customised mentorship programmes  Promote SME development through shared initiatives with government agencies, private sector, trade associations and business chambers  Complement risk management initiatives of financial institutions and MNCs  Create stronger partnership with the seekers and suppliers of funds (debt and equity) and the public sector  Plan and organise innovative yet educational events for the overall business community

20. Property of Dun & Bradstreet (Singapore) Pte Ltd Credit Advisory – Professional Services –Fund raising and M&A advisory –Balance sheet management –Corporate and business strategies –Company valuation –Financial management and analysis –Risk policies –Strategic management –8 industry groups –Cash-flow management –Risk return assessment –Productivity and efficiency mgt –Business expansion planning –Fund raising evaluation

21. Property of Dun & Bradstreet (Singapore) Pte Ltd Other Initiatives – Blending of Data 3. Blending of Commercial & Consumer Data Combining Consumer Credit Bureau data with SME Credit Bureau Corporate formation Facilitate lenders in their credit evaluation on credit application from SMEs Provides an insight on the credit history and capacity of business owners along side that of their businesses Ultimate goal of providing Blended Score that supports predictive & quick assessment