Making a world of difference in trade debt collection Presented for: Date:

Introduction and Agenda

Atradius Collections:

Market Position

Atradius Group

Product ProcessService

Costs

Advantages of working with

Atradius Collections

Debt Collections Market

B2B specialists with international

coverage

B-2-Bspecialists

Large collections companies

All collections companies

Atradius Collections operates in the specialist international B-2-B market

The market is fragmented with only a few specialised agencies

The collections market is diverse and has numerous players

Our mission:Generate cash for our customers by offering best in class service, worldwide reach and

cross-border expertise

Atradius Collections Mission

19 offices around the world serving more than 40 countries

Over €69 million revenue in 2009

Over 14.000 clients

One global process & integrated IT platform

Over 80 years of credit management experience

Over 400 professional B-2-B

collectors

Atradius Collections

The big picture

Customer-focused, results-driven

Worldwide ReachLocal Expertise

We serve our customers’ needs seamlessly across

borders

Global Reach – Local Expertise

USA

CANADA

MEXICO

HONG KONG

SINGAPORE

AUSTRALIA

BELGIUM

CZECH REPUBLIC

DENMARK

FRANCE

GERMANY

HUNGARY

IRELAND

ITALY

NETHERLANDS

POLAND

SPAIN

UNITED KINGDOM

SWITZERLAND

Atradius Collections has deep knowledge and experience in:

• local collection practices• legal and regulatory

environment-cultural differences and customs

• local business environment & economic outlook

Global Reach – Local Expertise

Each country has its own CULTURE. By adapting your behaviour to the culture you will increase your success rate

Respecting the business ETHIC will protect you from damaging your reputation

By knowing what is LEGALLY possible, you will adapt the approach on amicable collection

Knowing the ECONOMIC SITUATION of a country means you will be able to react accordingly and be more pragmatic

Worldwide debt collection one global process & service

Multiple offices one contact person

Multiple operations one integrated IT platform

Multiple countries one transparent pricing model

Multi lingual we speak your language

Atradius Group Facts & Figures

31% Worldwide market share

Financial Strength Rating of ‘A-‘ from S&P

The most international & integrated insurance company

Access to information on 52 million companies globally

Over 22,000 trade credit decisions daily

Annual revenue €1.8 billion

3,800 employees working in 160 officesin 42 countries

Atradius Headquarters in Amsterdam, the Netherlands

Atradius Shareholding

- Die Grupo Catalana Occidente is a 70,3% stakeholder of Grupo Crédito y Caucion- INOC, SA is a parent company of Grupo Catalana Occidente

January 2009 – completion of the acquisition of Atradius NV by Grupo Catalana Occidente

Two credit management powers joining forces

To create a more diversified product offering

To further expand their global footprint:

To further strengthen the financial market position

Grupo Catalana Occidente: Facts & Figures

Largest independent insurer in Spain

Over 140 years of history

Listed on the Madrid and Barcelona Stock Exchanges (stock symbol: GCO.MC)

More than 1,000 offices in Spain

6,500 staff

Grupo Catalana Occidente: Facts & Figures

A sales network of over 21,000 Agents

Presence in more than 42 countries

Annual revenue € 3.9 billion

Excess of 2008 mandatory solvency 377.8%

S&P Rating: ‘A -’ (reaffirmed December 2009)

Headquarters: Barcelona (Spain)

Spain1929 Credito y Caucionfounded in Madrid

Leader in International Credit Management

USA1999 MNCIC2004 ICI Collection

Mexico2000 Comesec

UK1991 ECGD

Netherlands1925 NCM founded in Amsterdam1998 Smit Ommen1999 EuroCollect

Nordic Region1996 EKR1996 Uni Storebrand2000 Forenede Factors2001 BG Garanti & Factoring

Germany1954 Gerling Credit founded in Cologne

Italy2000 SIC

France1996 Sacren2000 Groupe Etoile

Oceania2002 EXGO2003 EFIC

Atradius Collections is part of the Atradius Group, with over 80 years of experience in international credit management

Product, Process, Service

Complete collections solutions

Effective collections process

Communications and reporting

Atradius collections: Best practices

Complete collections solutions

Debt Collections Made to Measure

Service that fits your specific

needs

International and domestic debt collections

Domestic

Cross-borderWorldwide

TAILOREDSERVICE

International and domestic debt collections

ONE-OFF PLACEMENTS

CLEANUPS

PRE-PAIDCOLLECTIONS

INSOLVENCYSERVICES

ORDER TO CASH

LEDGER 2LEDGER

SOLUTION

COLLECT@NETONLINE

Effectiveness

CLEANSING

STANDARDIZING

OPTIMIZING

AUTOMATING

The Value Proposition – From Effectiveness to Efficiency

• DSO reduction• Bad Debts

decrease

• ROI

Time

Excel Upload

Collect@Net Ledger-to-Ledger

Invoice-to-Cash

Partial Outsourcing

Efficiency

• Number of allocated resources

• Cost per allocated resource

Early Collections

Backlog Placements

Low-end outsourced Placements

One-off Placements

RepetitivePlacements

Sustained Placements

Automatic Placements

Different countries

Different processes

Differentlegislation

Insolvency services

Insolvency services

Dezember 2009

Take over complete process

Lodge your claim Monitor insolvency procedures &

liquidation

Monitor dividend allocation

Ledger To Ledger Solution

Real time access

Two-way information feed

Integrated global systems

Ledger-to-Ledger

The Atradius Ledger To Ledger is tailor-made:

XML based interface

Internationally accepted standard for data exchange

This solution is customised to link your financial

software to our worldwide collection system

Submit new collection cases

Ledger-to-Ledger

Integrated Communication

Update collection cases

Look up specific information about an ongoing case

Reports on the result of our collections efforts

You have total communications and

operational control over the debt collection process

Ledger-to-Ledger

Cost saving, improved quality and efficiency

Quick and efficient information exchange

Reduced risk of errors

Reduction in administration and cost

No need for additional systems or tools

Collection performance monitoring and reporting A flexible solution

One central communication channel

Order To Cash – Credit Management Solution

Knowledge

Resources

Time

Give your credit management the attention it deserves!

Efficiency and accuracy of back-office operations

is key

Smooth running of the back office

requires significant investment in:

This distracts and slows down your core business activity

Credit rating

Order intake

Data entry

Logistics

Matching billing data

Invoice production

Distribution

Dispute resolution

Reminder letters

Reminder calls

Amicable

Legal

Order To Cash

Order to Cash Process

ORDER MANAGEMENT

BILLINGSERVICES

DUNNINGMANAGEMENT

DEBTCOLLECTION

PAYMENTPROCESSING

Outsourcing of parts or entire order to cash management process

Provided in partnership with leading software and outsourcing service providers

You can outsource parts of or entirecredit and order management process

You get increased efficiency and productivity enablingincreased focus on your core business

Order to Cash solution is highly adaptableto the needs of your business

Order-to-Cash

We can take over all or any part of the order and cash management process

Our goal is simpleincrease the value we bring to you by improving the overall

receivables management performance and resource

efficiency

Manage your risk, operational cost and customer

satisfaction

Atradius Collections: Best practices

Effective collections process

Debt Collections Management Process

Globally aligned

Transparent, well planned, and highly effective

Provides customer with total visibility and control over an entire collections process

With customer communications and reporting at the core

Collected (in full or partially)

Payment Plan Agreed

Insolvency Monitoring

Legal Action

Continuous Communications &

Reporting

- Customer Relations Team

- Global Collections Team

- Collect@Net

Excellent Case Handling

Debt <€200

Debt €200-1,500

Debt €1,500 – 5,000

Debt >€5,000

Debt Placed

Contract signed

Quotation received

Excellent Case Handling Initiated Amicable Phase

- Invoice & contract- Dunning letters- Transport notes- Delivery notes- Terms & Conditions- Statement of account- Other correspondence with debtor

Within 30 days

24 hours

Decision

Diligent monitoring of the solution’s execution

Agreement on a solution with client and debtor

Careful assessment of debtor’s motivation

Highly skilled staff trained in negotiation and persuasion techniques

Combination of personal and formal written correspondence

Continuous contact with the debtor

Our focus is to secure prompt amicable solution:

Amicable Phase

When Do We Involve You?

We agree on partial payments or

instalment plans

We go legal We lodge your claim and follow-up

the insolvency procedure

We close the case

We will ask your approval before:

When Do We Involve You?

When we do not have required documents

When debtors raise a dispute

When any other questions arise that require clarification

When we close the case

We will contact you:

Reasons for Going Legal

Going legal

Is it cost effective?What are the additional

costs involved?

Is there a risk that the debtor declares

bankruptcy during legal proceedings?

Do we have all the required documents?

Debtor not willing to pay amicably

Not possible to reach Debtor

Dispute raised that cannot be solved amicably

Debtor does not comply with the agreed terms of the payment plan

Before going legal we discuss with you:

Atradius Collections: Best practices

Communications and reporting

Proactive Communications and Reporting

Global collections force

Customer relations team

Online debt collection platform Collect@Net

All work in concert to provide proactive communications and reporting

throughout the debt collections process

Collection Unit FR

Country DCountry B

Collection Unit NL

Country A

Collection Unit Italy

Country C

Collection Unit FR

Customer

A Special Service Concept

To make sure we deliver what we promise

Introduce & manage debts Track collections process

Generate reportsCommunicate with collectors

Collect@Net

Client Relationship Representative Full customer responsibilityCommitted to service quality Power to decideDedicated collectorsFamiliar with your situation

Retaining your customer relationship!

Highly professional staff trained in mediation and negotiation techniques

To achieve the desired collections result

To maintain positive relationship with your customers

Over 90 % of our customers stated: “Atradius Collections has not harmed our relationship

with the debtor during the collections process”

Customer Satisfaction Survey, November 2009

Collect@Net

Global Online Collections Management System

Easy entrance via our websites

Collect@Net

10 different languages

Word, Excel or HTML outputs

Possibility to integrate with customer financial systems

Communicate with collectors

Access reports

Upload new cases

Track current debtor accounts

Monitor collection process

FREE24/7 online

management system

Receive up-to-the-minute information

Partner you can trust

Local expertise, Global reach

Customerfocused

Results driven

Advantages of Working with Atradius Collections

Advantages of Working with Atradius Collections

Renowned company

One of the largest suppliers in the world

400+ collection employees worldwide

80+ years experience

Solid financial background

Partner you can trust

Specialised local expertise

Seamless process and system integration

Single point of accountability

Worldwide “Best practice”

Extensive international network

Advantages of Working with Atradius Collections

Local expertise, Global reach

Extension of your business

Customised solutions

Continuous communication and reporting

Detailed and exact approach

Control and visibility

Advantages of working with Atradius collections

Customer focused

Results drivensupplier

Secures your payments

Improves your cash flow

Reduces your debt

Advantages of working with Atradius collections

Summary

You have a requirement toimprove your debt collection

Atradius has shown a provencapability to help you

We look forward to working with you