1. Credit Information and
Assessment
01 01 2012

2. Coface: Worldwide Trade Facilitator
● Founded in France in 1946; international expansion in 1990s
● Subsidiary of Natixis
● Rated: A+ by Fitch
A2 by Mody’s
Coface facilitates business-to-business commerce
worldwide, offering solutions to all companies – whatever
their size, nationality, or business sector – for managing,
protecting, and financing their accounts receivable.
2 Credit Information and Assessment

3. Business Lines
Coface delivers tools that enhance and support a company’s
credit management practices:
Accounts receivable protection
 Export and domestic credit insurance
 Political Risk risk guarantees
Corporate ratings and information
Accounts receivable management and debt collection
 Accounts receivable finance (factoring)
3 Credit Information and Assessment

4. Coface Services North America, Inc.
Coface offers two complementary types of business information services to help
you assess companies at home and abroad:
@rating services Commercial credit reports
 Credit Opinions  Domestic and international
 Monitored Credit Opinions  Database reports
 Customized Credit Opinions  Freshly investigated reports
 Available online  Experian Business Profile Reports
 Bernard Sands CreditPay Reports
Domestic and international
Covering 200 countries and territories
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5. @rating Credit Opinions
@rating Credit Opinions show a company’s capacity to honor its financial
commitments.
Financially sound companies are identified on one of six levels, reflecting the
exposure level that can be reasonably accepted:
R Up to $10,000
@ Up to $20,000
@@ Up to $50,000
@@@ Up to $100,000
X No credit recommended due to weakness or insufficient data
NR Company is not rated
Customized Credit Opinions (CCO) are available for amounts over $100,000.
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6. Monitored @rating Credit Opinions
For the duration of your contract, Coface will monitor those companies that you
select
If a monitored @rating credit opinion changes, we will inform you of the change
by email via the Portfolio Update tool.
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7. What‘s behind a credit opinion?
 Commercial reports  Bank reports  Direct information from
 Annual reports  Country analysis debtors
 Company analysis  Sector analysis  Payment irregularities
Coface Analysis
Credit Opinion
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8. Types of reports
“Freshly investigated” report
From the Coface international network covering 99 countries
•Database reports
Available online from the vast Coface database
•Experian Business Profile reports
Real-time access to credit reports on millions of US business
•Bernard Sands CreditPay reports
Specialized reports for retail trade
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9. Our Strengths
Personal services
Dedicated Customer Service Staff
•Global coverage
Network covering 99 countries
•Competitive prices
Clear pricing structure
•Up-front annual contract
No hidden fees or additional charges
•Complete Account Receivables Management Solution
Information, Insurance, Factoring, and Collections
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10. Thank you
W. Marc Gurley
E.W. Droppa & Associates
Exclusive Agent for Coface North America
5180 Park Ave., Ste 120-A
Memphis, TN 38119
Office: 901-213-2033
Cell: 901-336-2781
Email: marc_gurley@coface-usa.com
10 Credit Information and Assessment