1. American Chamber of Commerce in Poland ul. E. Plater 53, 00-113 Warszawa tel: +48 (22) 520-5999, e-mail: office@amcham.com.pl www.amcham.com.pl Slide 1 Financial Services Committee

2. American Chamber of Commerce in Poland ul. E. Plater 53, 00-113 Warszawa tel: +48 (22) 520-5999, e-mail: office@amcham.com.pl www.amcham.com.pl Slide 2 Business-to-business Debtor Collection Workshop 31 January 2005

3. American Chamber of Commerce in Poland ul. E. Plater 53, 00-113 Warszawa tel: +48 (22) 520-5999, e-mail: office@amcham.com.pl www.amcham.com.pl Slide 3

4. American Chamber of Commerce in Poland ul. E. Plater 53, 00-113 Warszawa tel: +48 (22) 520-5999, e-mail: office@amcham.com.pl www.amcham.com.pl Slide 4 credit management Insights into better B2B credit management to: Increase sales volumes Reduce receivables investment Reduce bad debt expense Improve customer goodwill

5. American Chamber of Commerce in Poland ul. E. Plater 53, 00-113 Warszawa tel: +48 (22) 520-5999, e-mail: office@amcham.com.pl www.amcham.com.pl Slide 5 Share ideas amongst B2B players

6. American Chamber of Commerce in Poland ul. E. Plater 53, 00-113 Warszawa tel: +48 (22) 520-5999, e-mail: office@amcham.com.pl www.amcham.com.pl Slide 6 Tap into ideas from service providers: Bankers Business Information Providers Credit Insurance Collection Agencies

7. American Chamber of Commerce in Poland ul. E. Plater 53, 00-113 Warszawa tel: +48 (22) 520-5999, e-mail: office@amcham.com.pl www.amcham.com.pl Slide 7 Risk Management B2B IssuesRoundtables Market Intelligence The Role of BanksCitibank Dun & Brad

8. American Chamber of Commerce in Poland ul. E. Plater 53, 00-113 Warszawa tel: +48 (22) 520-5999, e-mail: office@amcham.com.pl www.amcham.com.pl Slide 8 Problem Resolution Credit InsuranceEuler Hermes Collections Intrum Justitas Coffee Break Plenary Conclusions

9. American Chamber of Commerce in Poland ul. E. Plater 53, 00-113 Warszawa tel: +48 (22) 520-5999, e-mail: office@amcham.com.pl www.amcham.com.pl Slide 9 Your Interests

10. American Chamber of Commerce in Poland ul. E. Plater 53, 00-113 Warszawa tel: +48 (22) 520-5999, e-mail: office@amcham.com.pl www.amcham.com.pl Slide 10

11. American Chamber of Commerce in Poland ul. E. Plater 53, 00-113 Warszawa tel: +48 (22) 520-5999, e-mail: office@amcham.com.pl www.amcham.com.pl Slide 11 Ireneusz Kowalewski, Citibank Mateusz Niemczyk, Citibank Michal Rostek, Citibank Slawomir Grzelczak, D & B Eckhard Horst, Euler Hermes Grzegorz Dmowski, Intrum Justitia

12. American Chamber of Commerce in Poland ul. E. Plater 53, 00-113 Warszawa tel: +48 (22) 520-5999, e-mail: office@amcham.com.pl www.amcham.com.pl Slide 12 Bad DebtsSalesVolumes