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1. Country COURT Standard SLA of Country County Standard SLA of Code y report days Code y report days LE Lebanon 10 to 12 SD Saudi Arabia 8to10 LS Lesotho 11 SG Senegal 11 LB Liberia 11 SE Seychelles 11 LT Lithuania 6to8 SL Sierra Leone 11 LX Luxembourg 3to5 S Singapore 1 MA Macau 11 SK Slovakia 6to8 YR Macedonia Former T 5B Slovenia 6to8 Yugoslavia Rep of SS Solomon Islands 11 MW Malawi 11 SO Somalia 11 MS Malaysia 11 SA South Africa 11 MB Maldives 11 ES Spain 3to5 ML Mali 11 SR Sri Lanka 11 MT Malta 3to5 SU Sudan 11 MN Marianas Islands 11 SN Suriname 11 MU Mauritius 11 KS Swaziland 11 MX Mexico 10 to 12 SW Sweden 3to5 MD Moldova 10to12 CH Switzerland 3to5 MO Morocco 3to5 SY Syria 10 to 12 MZ Mozambique 11 a Taiwan 11 NM Namibia 11 TJ Tajikistan 10 to 12 NE Nepal 11 TA Tanzania 11 NL Netherlands 3to5 i iilis M TG Togo 11 NA Netherlands Antilles 11 TO Tonga 11 NZ New Zealand 11 TT Trinidad and Tobago 11 NR Nicaragua 8 to 10 TU Tunisia 11 NG Niger 11 TK Turkey 6to8 NI Nigeria 11 TM Turkmenistan 10 to 12 NO Norway 2to4 TC Turks And Caicos 11 OM O 11 iia TV Tuvalu 11 PA Pakistan 8to10 UG Uganda ii PN ranama a Ul Ukraine 10to 12 PP Papua New Guinea 11 UA United Arab Emirates 10 to 12 PG Paraguay T3109 UK United Kingdom 3to5 PR Peru atos UR Uruguay 7to9 PH Philippines 11 UZ Uzbekistan 10 to 12 PL Poland 6to8 VA Vanuatu 11 PO Portugal 3to5 VE Venezuela 7to9 Oa Oatar 11 VI Vietnam 7to9 RO Romania 3to5
2. it will be sorted by Type Company Name Location Type and Options Under Location Type all Branch locations will have a small link underneath if available to Headquarters Click this link in any of the Branch locations and it will take you to the Live Report for the Headquarters location Reports added to a portfolio will show an added to portfolio date in the header in addition to a last viewed date If you are looking up a company with an Interna tional Headquarters clicking the Headquarter link will take you to the International Order Request page Click the Complete Order tab to purchase the International report Monitored Companies Search Monitored companies are those which are part of your portfolio You can search for them the same you would search for non monitored companies Search Troubleshooting What if I cannot find the company I am searching for Try adding additional details to your search criteria such as full street address city or phone number or select Nationwide in the state list if you lack details Try removing extraneous or special characters from the company name or address If you can t find a company click on the Order Investigation from D amp B link which appears at the top of all search results screens to request an Investigation The Company name that was returned in the search results does not match the Company name in the Live Report Why not DNBi maintains a separate dat
3. 1 You will receive an alert in DNBi indicating a report is now available 2 Within your Investigations folder a completed investigations response report will appear with information on the investigated company 3 If a business cannot be verified the Investigation will conclude with a UTL Unable to Locate status You will be notified of any UTLs via DNBi alerts Folders Overview A folder is a categorization of companies which you can customize and define Folders are used to group companies and track their risk For example you can create folders for various industry sec tors You can create as many folders as you like and add as many companies as you want to each folder For International Companies take a Snapshot of the Live Report open it and from here you can add that company to a folder by clicking on the Add to Folder Icon in the header of the report Please note that only US and Canadian businesses are monitored for news and alerts When you create a folder you select sharing options and select whether to attach an Alert profile to the folder Access For any folder you create you can specify which users can view it which roles can view it e g all users with the Credit Analyst role and whether users have read only or read write access to it Also you can manage sharing folders via the Options link in the Companies tab Only the user who owns the folder and the Client Admin can change the options of a shared
4. 28 Email Click Email in the upper right hand corner of the report You can email any report to up to 5 users at one time In order to customize which sections to E mail click on Preferences The settings saved in Preferences will be automatically applied to Print E mail and PDF Delete You can delete a specific company either by selecting it from your list and deleting it or by navigating to Company Details and deleting it there Your administrator can also delete specific companies by searching for companies in DNBi Administration Only administrators have the user rights to delete all companies at once Investigations When you request an investigation a pending request will appear in the Investigations folder on the Com panies tab Please provide as much accurate information as possible Most importantly be sure to include a phone number and the proper state D amp B will attempt to update the company record using two methods D amp B will call the phone number and or listed company officer which you provide three times per day over a three day period e Outside sources on line directory assistance Internet searches business licensing licensing boards etc will also be contacted to verify active business operations U S requests will receive a response within 5 7 business days There are three possible outcomes to every Investigation provided there is sufficient information to update or create a new report
5. CCS and D amp B Rating all in one place at your finger tips For details on D amp B s scores see Part 7 Predictive Scores amp Indicators Trade Payments D amp B Trade Payments utilize over 770 million payment experiences from more than 5 000 compa nies annually This critical information can help you quickly assess payment habits of prospects and customers This tab is a dashboard of payment summaries featuring D amp B s PAYDEX9 PAYDEX Comparison and Trends over 12 and 24 months Payment Habits Payment Summary by Top Industries and Payment Details This information gives you the ability to see how a company is paying its vendors repaying bank loans and meeting other financial obligations For details on D amp B s scores see Part 7 Predic tive Scores amp Indicators Public Filings D amp B accesses close to 150 million public records from over 3 000 U S courts and legal filing offices to provide critical insight on credit risk You will find this information behind this tab Details in the Government Activity section of this tab are presented as they were reported to D amp B by the federal government and other third party sources Special Events When you click here you will find the most recent developments D amp B learns about that could impact your potential relationship with a firm This could be bankruptcy filings changes in ownership acquisitions and other events Information reported in this section may also include a
6. Credit Applications Accounts D amp B Live Reports and or Snapshots Export Data On this page you can create a filter and criteria for exporting data or review the status of pending and completed exports just click the Export Data button 34 PART 11 Dashboard Overview The Dashboard is your DNBi gateway page the first screen you see when you log onto DNBi The dash board is designed to help you work smarter and faster Use it to customize how you view your customer portfolios It also includes D amp B s Predictive Scores amp Indicators News and Alerts and Top Companies List and is completely customizable by each individual user The Dashboard will display information on all the companies you have added to DNBi folders Unlike DNB com s Customer Watch DNBi gives you the choice whether to save companies for ongoing monitoring by selecting Add to Folder from within the report Customize You can select which sections to add to the Dashboard including those from Decision Maker and Account Manager only if you have licensed these modules You can also specify the placement of each section by using the Move icons in the upper right corner of each section Your customized view is always saved as your default view next time you login To add sections to your Dashboard click on the icon near the top right of the page titled Customize From the Customization page click on the Add Item button next to the section you want to ad
7. You can upload a list of IPs from your technology department or you can manually type in one or more IPs Set Role Permissions Role permissions are pre defined and sophisticated To collapse all role permissions so you can customize to your needs click the icon on the upper right hand part of the screen that says Collapse All This screen shows all available permissions per specific role So for example you can set the permissions for all users whom you have assigned the Credit Analyst Role I This makes the administration of your user types much simpler to create and to modify as needed ECF Permissions relate to Live Reports ECF Electronic Credit File also known as the Live Report Add Groups Here you can name a Group and all those who belong to it will be able to have one or more of the following permissions Order D amp B International Live Reports charges may apply depending on your contract Order D amp B SBRI Reports and or Order D amp B Fraud Risk Reports When a group is created and given access to one of the features listed above only users who are enrolled within that group will have access to the feature from that point forward Please note this is especially important when assigning International report ordering privileges as any user not in the group will be restricted from ordering any international report regardless of role Deleting Credit Files Here you are able to delete a pre determined company file type s
8. deteriorating given the current economic political and commercial situation Usual Terms of Credit A guide to recommended and minimum credit terms as well as changes in trading regulations that may affect your business transactions Transfer Situation A summary of typical payment delays import cover and the time it takes local banks to exchange currency on transactions Economic Indicators Key economic statistics covering three years of historical data with a two year forecast Local Currency Current exchange rates against major currencies and a graph of exchange rate trends Export Credit A listing of export credit insurance sources and coverage Risk Factor A narrative overview of a country s political economic and trading environment including sociopolitical and economic forecasts Country Risk Outlook Report D amp B Country Risk Outlook Report offers a unigue view of country risk from a global perspective This approximate 50 page report is divided up into the 6 main regions of the world Americas Asia Pacific Central Asia Europe Middle East North Africa and Sub Saharan Africa and offers intelli gent risk insight to help you navigate through the world s credit crisis and find your next interna tional business opportunity D amp B Country Risk Outlook Report is published bi annually and offers in each report the following D amp B Country Risk Indicator D amp 6B s unigue rating of the risk of doing
9. as you like in DNBi 2 Data on each company in your portfolio a Live Report that you have previously saved is updated daily so each time you click on a company which you are monitoring you can be assured you are receiving the most complete and up to date information available Refreshing company data is also tracked and is known as the DNBi Company Details Refresh Both of these activities are tracked on your usage statement as well for your information but have no effect on your com mitment We encourage you to monitor companies as often as you like at no additional charge PART 4 Search Ouick Search Bar At the top of every DNBi screen you will find the Quick Search Bar Just type in the name of a company you are searching for and the state or a D U N S Number and a list will be generated If you have the city you can also enter it here however it s not needed to generate a search You may also select the Nationwide option if you don t know the state Full Company Search To facilitate a Full Company Search click on the More options link in the Quick Search Bar and enter the Company name and the state in which it can be found a list will be generated based on your input If you know more about a company you can also enter a company s address city zip code and phone number for a more precise match This will help narrow your search but it s not needed to find a company If you know the company s correct D U N S Number you
10. can bypass entering all the above information the company will immediately be listed To search for non U S companies simply select the country in the provided drop down list Full Company Search will also list any available Snapshots Location Search If you don t know the Company name but know where it s located click on the Location Search Tab Here you are required to enter at least the street name city and state If you know the possible street numbers you can enter a range on this page It will help narrow your search but is not needed to find a company This search will also list any available Snapshots Executive Search If you know the name of a company executive click on the Executive Search Tab You need to enter the first and last name of the executive and the state in which the company is in You can also enter the address and city which will help narrow down your search but is not needed to find a company This search will also list any available Snapshots Advanced Search This search function allows you to search for a company in your portfolio by building Search fields Just select the Credit File Type the Country and any portion of the Company name Click Add Search Field You can create as many search fields as you like This search will also list any available Snapshots only for Account Manager and Decision Maker licensed users Headquarters Search When a list is generated from your search criteria US only
11. days beyond terms 120 days beyond terms Unavailable 25 The D amp B Rating is D amp B s proprietary indicator that quickly assesses a company s size and composite credit appraisal For example a company rated 3A3 has a worth of 1 000 000 99 999 999 based on an interim or fiscal balance sheet and has a composite credit appraisal of Fair The 5A to HH Rating Classification reflect company size based on worth or equity as computed by D amp B Company size can be an effective in dicator of credit capacity These Ratings are assigned to businesses that have supplied D amp B with a current financial statement The Composite Credit Appraisal is a number one through four that makes up the sec ond half of the company s Rating and reflects D amp B s overall assessment of that firm s credit worthiness The Composite Credit Appraisal is based on D amp B analysis of company payments financial information public records business age and other important factors when available A 2 is the highest Composite Credit Appraisal a company not supplying D amp B with current financial information can receive The 1R and 2R Rating categories reflect company size based on the total number of employees for the business They are assigned to company files that do not contain a current financial statement Financial Strength Composite Credit Appraisal Rating US High Good Fair Limited 5A 50 000 000 and over 1 2 3 4 4A 10 000 000 to 49 999 999 1 2
12. past 12 months can be added to DNBi For assistance with this and with adding companies in bulk contact your D amp B Relationship Manager Supported Operating Systems and Browsers Windows 2000 SP4 Internet Explorer IE 6 x Windows XP SP2 IE 6 x e Windows 2003 Server SP 1 IE 6 x e Windows XP SP2 IE 7 x Apple OSX Safari 2 0 x Java 1 5 or above Hardware PC Specification Pentium Processor 500 MHz min 1 0 GHz amp above recommended Main Memory RAM 256 Mb min 512 Mb amp above recommended Maintenance Window Scheduled maintenance windows are Saturday 11 00 pm EST thru 8 45 am EST Sunday and week days Tuesday amp Thursday 11 pm EST thru 11 30 pm EST also on an as needed basis DNBi cus tomers are typically informed as early as possible before maintenance on the system takes place PART 3 Your DNBi Account Login Once you open a DNBi account and become a subscriber your ID email address and temporary password are sent to your email box within a few days A link is provided in this email to DNBi Risk Management Simply click on the link enter your Login information and the system will then ask you to set your new password Password Once you have set your personalized password keep it in a safe place so you can reference it if you forget it However if you have forgotten your password your DNBi administrator can reset it for you Another option is to click on the Forget your P
13. 3 4 3A 1 000 000 to 9 999 999 1 2 3 4 2A 750 000 to 999 999 1 2 3 4 1A 500 000 to 749 999 1 2 3 4 BA 300 000 to 499 999 1 2 5 4 BB 200 000 to 299 999 1 2 3 4 CB 125 000 to 199 999 1 2 3 4 CC 75 000 to 124 999 1 2 3 4 DC 50 000 to 74 999 1 2 3 4 DD 35 000 to 49 999 1 2 3 4 EE 20 000 to 34 999 1 2 3 4 Flr 10 000 to 19 999 1 2 3 4 GG 5 000 to 9 999 1 2 3 4 HH Up to 4 999 1 2 2 4 Rating US High Good Fair Limited 1R 10 employees and over 2 3 4 2R 1 8 2 3 4 26 Alternative Ratings Used blank US Employee Range Designation ER1 ER2 ER3 ER4 ER5 ER6 ER7 ER8 ERN INV Indicates that D amp B is currently conducting an investigation to gather information for a new report Indicates that the information available does not permit D amp B to classify the company within our rating key The blank symbol should not be interpreted as indicating that credit should be denied It simply means that the information available to D amp B does not permit us to classify the company within our rating key and that further enguiry should be made before reaching a decision Some reasons for using a symbol include deficit net worth bankruptcy proceedings lack of insufficient payment information or incomplete history information Certain lines of business primarily banks insurance companies and government entities do not lend themselves to classification under the D amp B Rating system Instead we assign these types of busin
14. 4 AU Australia 8to10 FR France 2to4 OS Austria 3to5 GA Gabon Republic 11 JZ Azerbaijan 10to12 GB Gambia 11 BH Bahamas 8to10 GE Georgia 10to 12 BR Bahrain 8to10 DE Germany 2to4 BA Bangladesh 8to10 GH Ghana 11 BB Barbados 11 GR Greece 2to4 BL Belgium 3to5 GM Guam 11 BG Belize 7to9 GT Guatemala 7to9 BN Benin Peoples Republic Of 11 GS Guinea Bissau 11 BE Bermuda 11 GN Guinea Republic Of 11 BO Bolivia 7to9 GY Guyana 11 BW Botswana 11 HA Haiti 8to10 BZ Brazil 7to9 HO Honduras 8to10 BU Bulgaria 6to8 HK Hong Kong 11 BF Burkino Faso 11 HU Hungary 6to8 BM Burma Myanmar 11 Ic Iceland 8to 10 BD Burundi 11 IN India 11 BY Byelorussia 10to 12 ID Indonesia 11 CM Cameroon 11 IA lran 8 to 10 CV Cape Verde Republic Of 11 IO Iraq 8 to 10 CI Cayman Islands 11 IR Ireland 3to5 CG Chad Republic Of 11 IS Israel 8 to 10 cL Chile 7to9 IT Italy 3to5 CP China Peoples Republic Of 11 JM Jamaica 11 CB Colombia 7to9 JA Japan 11 cc Costa Rica 7to9 JO Jordan 8to 10 ZC Croatia 10 to 12 KZ Kazakhstan 10 to 12 CY Cyprus 3to5 KE Kenya 11 XC Czech Republic 6to8 KI Kiribati 11 DK Denmark 3to5 KR Korea Republic Of 11 DJ Djibouti 11 KU Kuwait 10 to 12 DR Dominican Republic 11 LV Latvia 10to 12 EC Ecuador 7to9 LA Laos 11 38 Appendix B
15. Each profile consists of data elements and thresholds that trigger Alerts You can apply one of the three alert profiles you have customized to your folders To apply an alert profile to an existing folder go to the DNBi Companies Tab click on the Options Link associated with the folder you are interested in monitoring Receive You can enter up to six e mail addresses per profile during customization To change alert profile options go to the News and Alerts tab click on the Alert Options icon in the top right corner of the News and Alerts page You must first enable the email option on the alert triggers to enable the email boxes for entry of new addresses 32 Alert Profiles and Default Settings DNBi comes with three default Alert profiles By default the all companies shared folder will be assigned the Severe Only profile This can be changed at any time see above 1 Standard Includes Alerts on standard events such as bankruptcy and liens as well as changes in values such as PAYDEX and the Commercial Credit score CCS 2 Severe Only Triggers Alerts on major events such as bankruptcy business deterioration high risk and information alerts 3 Custom Has no pre set elements or thresholds you can select from any of the available data elements to create your own unique profile All three Alert profiles are completely customizable however some alerts may not be available in certain countries For the Comme
16. RI Origination Score in your origination process allows you to approve the most profitable applicants with the most appropriate terms The SBRI Score incorporates predictive data not previously available to existing origination processes thereby adding invaluable insight into the process Combining this invaluable insight with other predictive techniques strengthens your origination and account management strategy Implementing sophisticated decision rule overlays that include the SBRI Score will provide additional depth to your decisioning capabilities and incorporating the SBRI Score into your account management strategy will allow you to optimize your portfolio s profitability What s New As of April 2009 D amp B launched new SBRI Origination models which are proven to have greater than 20 predictive lift over existing models with Build for the first time using an 18 month performance period to capture more bads Built using a more serious level of delinquency when identifying bads in the development dataset those that reached a level of 4 cycles delinquent or greater which in turn produced more discriminant models Enhanced segmentations with 18 models in the suite compared to 10 on the existing model You must be an SBRI member to see this data Contact your D amp B Relationship Manager for how to join For more about the SBRI Program see Part 6 Live Reports Functionality 19 Key SBRI Attributes Section Out of over 120
17. Risk Management Solutions a E A Guide to DNBi Risk Management PART 1 Before You Begin Welcome Congratulations and Welcome to DNBi Risk Management Dun amp Bradstreet NYSE DNB is the world s leading source of commercial information and insight on businesses enabling companies to Decide with Confidence for 168 years D amp B s global commercial database contains more than 140 million business records The database is enhanced by D amp B s proprietary DUNSRight Ouality Process which provides our customers with quality business information This quality information is the foundation of our global solutions that customers rely on to make critical business decisions Our global database has information on over 146 million businesses in over 200 countries with nearly 700 million payment and bank experiences We update over 1 5 million records each and every day to ensure you have the most timely accurate and complete information with which to minimize your risk and maximize your business growth opportunities About This Manual This user manual has been completely re designed and reformatted to better meet your needs It will explain and guide you in using DNBi Risk Management If you rather go to specific Table of Contents sections you can click on the part you want and it will take you directly there Don t spend time scrolling spend it learning Table of Contents What You ll Be Able To Do Part 1 Before you Begi
18. Scratch Vas N Y Y Y Y Y Y N N not import or Edit Delete Accounts No N Y Y Y Y Y Y N N Reevaluate Accounts Yes N Y Y Y Y Y Y N N Report on Accounts Yes N N N Y Y Y Y N N Set Manual Review Dates No Y Y Y Y Y Y Y N N Edit Account Review No N N Y Y Y Y Y N N Preferences Decision Maker Permissions Decision Maker Module No N Y Y Y Y Y Y Y N Create or Edit Credit Ves N y y y y Y Y Y N Applications Delete Applications No N Y Y Y Y Y Y N N Re Decisioning Credit Ves N y y y y y y N N Applications Reporting on Applications Yes N N N Y Y Y Y N N 36 Appendix A Edit Payment Terms amp Early Admin can Premier Permission enable Credit Credit Credit Credit Credit disable Collector Analyst Analyst Analyst S pervis r Manage Admin Sales Support Role Group gt in Role I ll lll P 8 PP Permissions Approval Authorities Upper Credit Limit Yes 0 5 000 10 000 25 000 50 000 Unlimited 0 ll ll Account Manager amp Decision Maker Shared Permissions View Credit Terms No Y N N Edit Credit Limit Yes N N N Payment Discount yes X Y y N N Recommend Action Decision No Y Y Y Y Y Y Y Y N View Documents No Y Y Y Y Y Y Y N N Attach or Detach Documents Yes N N Y Y Y Y Y Y N Adding Financial Statements Yes N Y Y Y Y Y Y N N DUM EA Financial Yes N Y Y Y Y Y Y N N View Custom Scores No Y Y Y Y View Audit Trail No Y Y Y Y Y Electronic Credit File Permissions Pr
19. WS Western Samoa 11 RF Russian Federation 3to5 YE Yemen 11 RW Rwanda 11 ZA Zambia 11 ST Sao Tome amp Principe 11 Zimbabwe 11 39
20. abase which is populated with company names from a variety of sources We update this database periodically Company names may not match if there has been a recent change and the database has not yet received this update As soon as it does the company name will match PART 5 Live Reports Data What You Find Overview Live Reports are exclusive to D amp B and DNBi This is the first report you see and open in DNBi They are updated daily and therefore you can be assured of the freshest data possible What is a Live Report A Live Report also known as an Electronic Credit File ECF displays the most current data for a company in the D amp B database A Live Report also allows you to track companies added to your DNBi portfolio Live Report Heading In the box with the blue header titled D amp B Address you will find the company s Address Phone Fax Location Type i e headquarters subsidiary etc and Web address if available Map using Sess is also included so you can find the company For more on this feature see Part 6 Live Reports Functionality In the Live Report Header you can also take action such as Save a Snapshot or Order an Investigation How can I save a Live Report Live Reports already viewed are not automatically saved to your portfolio After you open a Live Report you must manually save it to your portfolio You can do this in two ways 1 Save a Snapshot by clicking the Save a Snapshot box i
21. ancials Users entered are supported only if you have licensed Account Manager or Decision Maker modules What time periods are available for spreading financial statements You can spread annual financial statements from Edgar and user entered financial statements Can I spread Edgar statements with any other statements We do not provide the functionality to allow the user to spread Edgar with any other source I don t see the Edgar as an option for spreading The spreading of Edgar data will be available only for Public Companies and not for private companies How do I select to Spread Edgar data To spread Edgar data alone in the source field in the spread financials modal window select Edgar as a data source If the report is for a public company Edgar will be listed as one option The option to spread Edgar data will not be available for Private companies 12 Industry Norms and Financial Ratios To view industry norms click the Financial Statements tab in your Live Report Check that there are financial statements available if not see Overview section above If there are financials available the Compare Financials button appears in the screen Click the button and then select Financial Ratios from a list of available financial statements Financial Ratios will be displayed on the Comparison sheet Financial Ratios can be viewed for the most recent financial year alone or spread against a maximum of two other financial s
22. assword link on the DNBi login page You will then receive an email containing both your DNBi login e mail and a temporary password You can then log in to DNBi and set your new password again Your password must be between 6 and 10 characters and can contain letters and numbers and special characters are also now allowed User Preferences To change your preferences just click on My Profile at the top of all DNBi pages You ll see a variety of options including the ability to change your DNBi login e mail and password Activity Inactivity If you get the message Your session expired it means for security reasons your DNBi session automatically ended because you were inactive on the system for over 2 hours If your session expires DNBi displays a message instructing you to login again To maintain an active state simply click on any link Invoice Overview Invoices are bills that show your DNBi Risk Management use outside the DNBi contract terms You will see Additional Products on your invoice This refers to any products not included in your DNBi subscrip tion or products used in excess of usage limits At the bottom of your invoice you will see each month s usage statement Usage Statements A usage statement is not an invoice but rather a useful guide to track activity on DNBi and non eligible products It is a detailed statement on the activities that generated the charge on your invoice Calculating Total Usage DNB
23. business in 130 nations all available in one report Risk Indicator Upgrades and Downgrades indicates whether the risk environment is improving or deteriorating given the economic political and commercial situation for the countries in a par ticular region of the world 14 Macroeconomic Forecasts two year forecast on key economic statistics real Gross Domestic Product growth CPI inflation e Payment Performance Data available for 55 countries of payments made on time and delin quent 1 120 days late for companies located in the country Calculated from A R files and writ ten experiences from a range of independent US companies that trade world wide e Risk Insights amp Overview for each region a narrative overview of the political economic and trading environments of the countries in that region plus sociopolitical and economic forecasts of each region of the world International Reports in HTML Format For all countries listed below an HTML version of static Snapshot reports is available with graphics and data elements DNBi will store these reports as of the date they were originally inquired upon Andorra Belgium Germany Ireland Italy Luxembourg Netherlands Portugal San Marino Spain United Kingdom 15 PART 6 Live Reports Functionality How You Use Snapshots Overview Taking a company Snapshot allows you to save a point in time archive of any D amp B Live Report on any company which
24. can be viewed or e mailed at anytime for the duration of your contract You can also save multiple snapshots over time for the same company Should you change your con tract type you should print or email your Snapshots before changing over Snapshots are critical for compliance reasons and to justify and explain your decisions to leaders Adding Notes You can add your own notes when either creating or viewing a Snapshot to remind you of useful information you may need again at another time Export Your Administrator can export certain data elements for up to 500 Snapshots at a time to Excel or to a csv file Delete You can delete a specific Snapshot either by selecting it in a list and deleting it or by navigating to Snapshot details first Your Administrator can also delete specific Snapshots for you as well Only your Administrator has the user rights to delete all Snapshots at once Dynamic Family Tree Overview With the Dynamic Family Tree you can e View related companies within the corporate tree with no limit in depth or breadth including non US companies Understand the total risk exposure across a corporate family e Recognize the relationship between risk levels in one company and all of its related businesses Reduce operating expenses by shortening research time Maximize opportunities based on revenues from entire corporate families determine total spend and increase sales by capitalizing on up sell and cross
25. cations and displayed and can be emailed to you in DNBi to help you monitor activity on companies in your portfolio The News and Alerts tab is the central place to manage and view these items however key notices are displayed throughout DNBi For a com pany to be monitored it must be added to a DNBi folder or saved as a snapshot When viewing a Live Report for a company click on the Add to Folder icon in the top right corner of all reports You can assign one of three customizable alert profiles to any folders you create Note News and Alerts are saved for 30 days Setup You can set up different alerts for as many companies as you like To do this create folders with different Alert profiles and save different companies in each folder that correspond with the levels you have set You can also set up ad hoc folders First you must enable the email option on the Alert triggers to enable the entry of new emails To enter emails go to the DNBi Companies Tab and click on the Create New Folder button at the top left of the screen You can also select which of the three available alert profiles to use while setting up new folders You can also enter up to six e mail addresses per alert profile To change alert profile options go to the DNBi News and Alerts Tab click on the Alert Options icon at the top right corner of the News and Alerts screen Customize You can customize up to three Alert profiles Standard Severe Only and Custom
26. ces will be automatically applied to Print E mail and PDF Export Your administrator can export data for up to 500 companies at a time to Excel or to a Text txt file Processing times will vary depending on the number of records and search criteria D amp B limits the number of records which can be exported based on workspace and contract variables which are always customer specific Your administrator has this information as well Your administrator can export the following types of data e Live Reports e Snapshots Alerts Accounts must have Account Manager module license Applications must have Decision Maker module license Customize To customize the information for a company click the Your Information tab in every Live Report Here you can add the account number sales representative credit limit and or total credit outstanding When viewing your list of companies under the DNBi Companies Tab or in folders you can customize which columns you want displayed and set the number of companies to display and for display in the View Items drop down list Simply click on Customize and make your selections Print Company reports can be printed by clicking Print in the upper right hand corner of all Live Reports If you want to customize which sections to print and whether or not to include graphs click on Preferences The settings saved in Preferences will be automatically applied to Print E mail and PDF
27. d the D amp B PAYDEX are available for these charts When you add a company to a folder the company is automatically added to the Portfolio Risk Distribu tion charts by the next business day and therefore can be viewed at that time Click on any bar in any chart to view a list of the companies within that risk category and their respective risk scores To view each company s details click on the individual business name 35 Appendix A Admin can Premier Permission enable Credit Credit Credit Credit Credit IT disable Collector Analyst Analyst Analyst S pervis r Manager Admin Sales Support Role Group gt in Role l ll lll P 8 PP Permissions Approval Authorities Upper Credit Limit Yes 0 5 000 10 000 25 000 50 000 Unlimited 0 ll ll Data Access Permissions Order Domestic D amp B Reports No Y Y Y Y Y Y Y N N Order International D amp B Reports Yes N N N Y Y Y Y N N Oret DAS County Yes N N N Y Y Y Y N N Risk Reports mode RH PR Yes N N Y Y Y Y Y N N Investigations Order Equifax Business Reports Ve N N N y y y y N N if workspace is enabled Order D amp B SBRI Reports if Module is licensed id N 5 u u 7 N View D amp B Fraud Risk Reports if Module is licensed Mes 5 4 i a u Y E N M Account Manager Permissions Account Manager Module No Y Y Y Y Y Y Y N N Create Accounts from
28. d to your Dashboard All sections can be added one at a time To delete a section from the Dashboard simply click on the x at the top right corner of each Dashboard mini sections or click on the Remove Item button on the Customization page You can also customize the Top Companies section by clicking the Edit button in the right top corner of the Top Companies section You can select the number of companies to display as well as specify the folder containing the companies to display on the list You select which data elements to be displayed in table columns and determine a sorting data element and sort order For example you can select to view the Top 10 companies by Commercial Credit Score Percentile and a sort order of Most Risky to Least Risky By choosing when to add companies to that folder you control the population of companies monitored in your Top Companies list Only D U N S numbered companies are able to be displayed Portfolio Risk Distribution Charts These charts display a portfolio level distribution of D amp B risk scores for all companies in your portfolio or on companies from the folder specified by the user These charts enable you to easily and quickly gauge the aggregate risk of your portfolio To customize these charts click on the Edit button at the top right corner of the section and select either all companies or a specific folder as your data source The Financial Stress Score FSS Commercial Credit Score CCS an
29. delinguency CCS Raw Score 101 represents businesses that have the highest probability of severe delinguency and a 670 represents businesses with the lowest probability of severe delinguency 24 Commercial Credit Score Commercial Credit Score 542 670 501 541 393 500 366 392 101 365 PAYDEX Credit Score Percentile 91 100 AO 31 70 11 30 1 10 Credit Score Class ui amp uNM HH Delinquency Rate 2 0 4 6 14 3 31 6 61 9 The PAYDEX is a unique dollar weighted numerical indicator of how a firm paid its bills based on trade experiences reported to D amp B through its trade program D amp B is continually improving the quality of our trade coverage We have expanded the trade repository in response to this demand The most recent change to the length of time trade retained was made in March 2007 when we changed the length of storage from 16 to 24 months A score of 80 denotes that payments reported to D amp B have generally been made within terms Scores over 80 indicate that payments reported to D amp B have been made earlier than terms When a PAYDEX is unavailable it is due to insufficient payment experiences in D amp B s file It should not be looked at as a negative score PAYDEX Score Indicates the following payment practices 100 Over 120 days beyond terms Anticipates Discounts Prompt 15 days beyond terms 22 days beyond terms 30 days beyond terms 60 days beyond terms 90
30. der The default owner of the Smart Folder is the user who created it The owner can share the Smart Folder by selecting and de selecting both roles and users in the workspace Delete Click on the Delete link when viewing the list of folders on the Companies Tab If you select to delete an unshared folder a warning will pop up that says Click OK to confirm deletion of your folder If you want to delete a shared folder you will see the following The folder you selected to delete is shared and will be deleted from all users view Click OK to confirm You can only delete a shared folder you own unless you have the Client Admin role Only the Smart Folder will be deleted not the Live Reports Applications or Accounts within the folder How can you delete Live Reports Applications and Accounts within a Smart Folder Click the checkbox on the row assigned to the company you want to delete then click the delete button at the top of the column The following message will be displayed Would you like to remove the selected company companies from the folder or delete the selected com pany companies from the system entirely Once you click Delete the report is deleted from the Smart Folder and from the DNBi portfolio completely If you would like to simply remove it from the folder but not your entire DNBi portfolio simply click Remove 31 PART 9 News amp Alerts Overview News and Alerts are news items and triggered notifi
31. different attributes in the SBRI score model the top eight are displayed in the Key SBRI Attributes section The top eight attributes shows the total number of open SBRI accounts as well as balance exposure and maximize age of those accounts In addition the attributes provide insight into the customer s financial payment behavior Key SERI ANmibutes Total Mumber ot Open SDR Accounts LET Total Balan cn ell Open SEA Accounts 897435 Total Exod 35 175 5 20 dori Aga Si AM yen noun 364 86 Montia Wrth ceirwm ynn M mccoonbt pat 1 3 ramii Thus gee COT Ynn ceed M socounbs pact 1 12 months change ont Murcer Ot Tota accounbs Ever Cycle 24 H Tite eee eed recan Oye 2 on ali ac 36 Momira Back To Top Account Summaries Section Each individual financial account trade line is available in the Account Summaries section at the bottom of the SBRI in DNBi page Each Account Web Link gets you to further insight into payment trends and account level details For each trade line Obligation type lease card or loan Lender ID this is only revealed to D amp B IDs and if you are the lender who contributed this trade line else the lender ID remains anonymous Date reported last update provided by lender Date opened date account was opened Closed only populated if the account is closed voluntary or involuntary Current balance singe trade line Total balance obligation specific total balance Total past due and amount pas
32. e scores offer More precise decisioning across the customer lifecycle origination and account management Greater visibility into how your customers represent themselves and are leveraged with lenders so you can have a true picture of their total risk and opportunity Easier and faster assessment of the payment performance of your applicants and customers across multiple lenders and financial types Deeper insight into how your customers are likely to pay their financial obligations in the coming months so you can proactively manage your offers collections and cash flow How Can I Use the SBRI Origination Scores The SBRI Origination Score is a transactional score to be used in both your origination and your account management strategies as it facilitates more efficient and complete decisioning across the customer lifecycle The SBRI Origination Score offers a competitive advantage because more robust and accurate decisions can be made by combining the SBRI Score with consumer credit bureau scores on the principal owners of a business Now more informed decisions can be made when a more complete or 360 degree view of the small business customer is achieved With these proven analytics you can evaluate the broad est range of data with this combination of resources commercial data financial services data trade credit data public records and consumer data on the business owners Incorporation of the Score Incorporating the SB
33. en Low probability of delinquency CCS Classes 1 3 Yellow Medium risk of delinquency CCS Class 4 Red High risk of delinquency CCS Class 5 White All International Records and Businesses with a Zero CCS score Commercial Credit Scores are not calculated for businesses designated as Discontinued at This Location Open Bankruptcy Higher Risk These records are automatically assigned a class of zero 0 and are white 17 Small Business Risk Insight SBRI Overview Small Business Risk Insight SBRI is D amp B s financial industry shared data repository of small busi ness payment performance information on loans lines credit cards and leases This data provides participating financial institutions with revealing account level and highly predictive lending performance data about their existing and prospective small business customers SBRI leverages D amp B s DUNSRight Ouality Process to ensure that each small business decision can be more accurate and precise Access Access to the SBRI database attributes and scores is limited to the data contributors of SBRI This same access is also granted to non financial companies that provide open account payment data to D amp B To get access to SBRI Financial services customers who originate credit cards loans lines and leases must sign the SBRI agreement financial and contribute data to the SBRI database Non financial services customers must sign
34. erage of public company financial statements as well as the most complete listing of private company financial statements available anywhere This tab features a dashboard of financials that have been entered by an employee of the respective company If nothing has been entered you will see You can ask D amp B to make a personalized request to this company on your behalf to obtain its latest financial information by clicking the name button below This section also lets you compare key business ratios to industry norms If the table is not populated you will see D amp B has been unable to obtain sufficient financial information from this company to calculate business ratios Our check of additional outside sources also found no information available on its financial performance To help you in this instance ratios for other firms in the same industry are provided below to support your analysis of this business Fraud Risk Scores This score is calculated by comparing the credit application data to predictive data sources in order to identify characteristics and behaviors which are similar to previously identified frauds The comparison is done by matching the application data to corresponding names addresses and phone numbers on the predictive sources As a result you can compare key business ratios to industry norms analyze trends and set benchmarks for evaluating company stability Additional subscription to fraud risk score requi
35. ernational reports delivered in DNBi as Text reports all countries outside US and Canada Japan offers full service with the exception of driving directions Some other countries such as China also offer Google Maps with limited functionality In addition Google Maps offers map data in these countries Andorra Austria Belgium Brazil Czech Republic Denmark Finland Gibraltar Greece Hungary Ireland Liechtenstein Luxembourg Monaco New Zealand Norway Poland Portugal Russia Moscow only San Marino Singapore Slovakia South Africa Sweden Switzerland Turkey Istanbul only Data and Information The map data found in Google Maps is sourced largely from NAVTEQ and TeleAtlas Similarly the imagery found in Satellite mode is sourced predominantly from DigitalGlobe and MDA Federal The company information is taken from the DNBi database Google Maps acquires the best imagery information available most of which is approximately one to three years old In some instances the exact location of the company may be different than the information that is returned 22 PART 7 Predictive Scores and Indicators Overview D amp B s predictive scores and indicators enable you to see a company s current state and future outlook Financial Stress Score The Financial Stress Score FSS predicts the likelihood that a company will experience one or more ofthe following conditions over the next 12 months based on the informa
36. esses an Employee range symbol based on the number of people em ployed No other significance should be attached to this symbol ERN should not be inter preted negatively It simply means we do not have information indicating how many people are employed at this firm Not Ouoted This is generally assigned when a business has been confirmed as no longer active at the location or when D amp B is unable to confirm active operations It may also appear on some branch reports when the branch is located in the same city as the head quarters 1000 or more employees 500 to 999 employees 100 to 499 employees 50 to 99 employees 20 to 49 employees 10 to 19 employees 5 to 9 employees 1to4 employees Not Available 27 PART 8 Companies Overview Each time you view company details for U S and Canadian companies the latest information that has been released from our patented information quality process is displayed Non U S and non Canadian companies are saved as Snapshots which means D amp B data is captured at the time the company is added to your portfolio and is not refreshed each time you click on it For further explanation on how Snapshots work see Part 6 Live Reports Functionality Data Convert Click PDF in the upper right hand corner of any Live Report To customize which sections to in clude in the PDF version of the report and whether or not to include graphs click on Preferences The settings saved in Preferen
37. folder The default owner ofthe Folder 29 is the user who created it The owner can sharethe folder by selecting and de selecting both roles and users in the workspace You can also set an alert profile to be applied to the companies saved to a folder If you re an administrator you can set folder sharing for all folders regardless of ownership Access to folders can also be managed in combination DNBi workspaces i e multiple point sub scriber numbers that share data across the locations Users can be assigned a restricted or unre stricted view of the DNBi workspace A restricted user can only view the information that he she pulls into the portfolio They will not have access to the All Companies and All Credit Files system folders An unrestricted user can view all of the information stored in the workspace that is made public and thus has full sharing capabilities Adding restriction to users can be accomplished by workspace administrators as well as DNBi Customer Service Smart Folders Overview Smart Folders enable you to build queries that specify criteria for groups of companies youd like to track As you add new companies to your portfolio Smart Folders will automatically route them to the appropriate folder based on your defined criteria so you can easily track and actively manage them Smart Folders Information You Need To Know These folders do not have alert profiles To get alerts on companies add the company to an Ad
38. hoc or All Companies folder and then assign an alert profile Rules Oueries you set will determine the companies that populate Smart Folders Users can add up to 5 variables for the rules queries The folder icon designates it as a Smart Folder Companies cannot be added to Smart Folders in a one off manner as is allowed for Ad Hoc folders Create Smart Folders can be created by clicking on the Companies Tab in any Live Report and then click ing on Create New Folder Give the folder a name After entering the name select the option to create Smart Folders Then you must click on Submit to create the Smart Folder After clicking on Submit you will be taken to the Smart Folder creation screen where you will be asked to define the query for the folder The Smart Folder will be populated with Live Reports based on this query After entering the query criteria you must the click Save to retain the information in the folder for future use Smart Folders will appear with a Magnifying glass icon Name Duplicate folder names are allowed e Folder names cannot contain a front slash e Folder names have a maximum of 32 characters Edit Click on the Options link You can edit both the name and the query criteria at any time 30 Share You can manage sharing of your Smart Folders via the Options link or when creating a new folder Only the user who owns the folder and the Client Admin can change the options of a shared fol
39. i provides virtually unlimited access to the service D amp B s unparalleled data and our exclusive Live Reports This way you don t need to manage a D amp B budget Your DNBi Order Amount reflects your commitment but does not limit usage on Non Entitled Countries Therefore non Entitled Countries are priced out each time they are accessed which is included into your total usage Non Entitled Usage Overview Non Entitled Country data is limited to the International Cap Limit as defined in your DNBi contract After you reach that threshold you will be charged at your current price schedule for these reports You will either receive an invoice or apply the amount to a n Ineligible Commitment if one is in place On the summary page of your DNBi Web based usage statement you will see how much of your Dynamic Cap allotment you have used You are able to order Non Entitled Countries beyond your limit but you will be charged the price schedule price You will then either receive an invoice based on usage above your allowance or have the option to apply the overage to your Standard Agreement If you have questions regarding this type of usage and or your standard agreement please contact your D amp B Relationship Manager Inquiry Details Section Overview In DNBi there are two ways that activity is tracked 1 Each initial view of a unique company in DNBi is tracked You might know this as DNBi Company Registration You can view as many unique companies
40. ifies companies into three risk classifications which provide different views of the same un derlying data In most cases the Credit Score Class is your best choice for at a glance risk assessment This Class enables you to quickly assess a new or existing account to determine appropriate risk policies The more detailed percentile and score classifications provide more granular views of this information which can provide a more specific classification when you want to see precisely where a business falls on the spectrum of risk The Percentile illustrates where a company falls among businesses in the D amp B information base and is most effectively used to rank order portfolios from highest to lowest risk of business failure The Raw Score enables you to use more granular cutoffs if you are using the data from the Comprehensive Report as part of a more automated decision making process Commercial Credit Scores are not calculated for those businesses designated as Discontinued at This Location Open Bankruptcy Higher Risk These records are automatically assigned a score of zero 0 CCS Class CCS Class 1 represents businesses that have the lowest probability of severe delinquency and five 5 represents businesses with the highest probability of severe delinquency CCS Percentile 1 represents businesses that have the highest probability of severe delinquency and a 100 represents businesses with the lowest probability of severe
41. imit and Total Outstanding When you click Edit you will see a Currency drop down list currently only USD or CAD available For Live Reports only this is not available for Applications or Accounts where users can utilize Notes Financial Statements Overview You can request financial statements from any private company in the D amp B database Open the Live Report of the company from which you need statements click on the Financial Statements tab On this screen you will see a Request Financial Statements button Click it and fill in the re quired information for a contact name and email address for the company you are doing business with along with an optional personalized message D amp B will send your request to the contact you specify at the company He or she may submit the financials via an online form or upload a file via a web link in the message from D amp B and if they like can also be submitted privately outside the DNBi system to you directly Once the financials are submitted into DNBi you will receive an email notification and then will be able to view the statements in the Live Report for that company You can follow this process for as many companies as you like If another DNBi user in your workspace requests financials you will be able to see them as well Note that once requested and submitted financial statements are accessible to everyone who shares your workspace 11 Spreading Financial Statements and Edga
42. int ECF Yes Y Y Y Y Y Y Y N N E mail ECF Yes Y Y Y Y Y Y Y N N Convert ECF to PDF Yes Y Y Y Y y Y Y N N Create Snapshot No Y Y Y Y Y Y Y N N Request Financials Yes N N Y Y Y Y Y N N Administration Permissions Administration No N N N N N N Y N N User Administration No N N N N N N Y N N Set Credit Policy Rules Scores No N N N N N N Y N N Run Automated Account Reviews No N N N N N N Y N N Other Permissions Access to Trade Groups Yes N N Y Y Y Y Y N N View Notes Permissions View Private Message N A N N View Public Message N A N N a B N A N N N N N Y Y N N Enter Notes Yes N Y Y Y Y Y N A Y N Customer Integration Administration Configure Import Export No N N N N N N N N Y Upload AR Data File No N N N N N N N N Y View Event Logs No N N N N N N N N Y Upload PGP Keys No N N N N N N N N Y View Templates No N N N N N N N N Y Available for Account Manager Customers only 37 Appendix B Country Country Standard SLA of Country Standard SLA of Code report days report days US United States 5to7 EG Egypt 8 to 10 CA Canada 7 to 10 EL El Salvador 8 to 10 AB Albania 7 to 10 EO Equatorial Guinea 11 AG Algeria 11 EO Estonia 10 to 12 AO Angola 11 ET Ethiopia 11 AR Argentina 7to9 H Fiji 11 AM Armenia 8to10 SF Finland 2to
43. les DNBi Decision Maker DNBi Account Manager DNBi Collections Manager and Online Credit Application PART 2 Getting Started Get To Know Your New Solution It s important to spend some quality time with DNBi Risk Management to get the most out of the solution We know from experience that DNBi Risk Management can bring amazing value if you nurture the relationship DNBi Help Section DNBi Help is just a click away It provides answers to the most common questions about DNBi s key features and functionality A link to Help is found at the top right corner of every DNBi page Product Guided Tours Familiarize yourself with the full breath and depth of DNBi capabilities by viewing the DNBi Introduction product tour e Administration Guided Tours If you are a system administrator you can learn more about DNBi s system capabilities with a guided tour specifically for your needs DNBi Basic Admin Tour Glossary All DNBi terminology and pertinent explanations can be found here Tooltips You can find these across the entire DNBi solution they will help you learn how to effectively use DNBi functionality Feedback Contact D amp B If you have any questions please feel free to contact the DNBi team at DNBi customer feedback 2dnb com or our customer service center at 1 800 234 DUNS Alternatively your D amp B Relationship Manager is always available to help DNB com to DNBi Companies added to your DNB com archive in the
44. n How touse tus maliualll su vss NR EDAD URN ilia bna ERR gua eas 2 Part 2 Getting Started How to use DNBi help and understand pertinent technical 3 and maintenance information Part 3 Your DNBi Account How to effectively manage your DNBi account losses 4 Part 4 Search How to search effectively and efficiently a vi cerit th n PRA 6 Part 5 Live Reports Data The importance of the data found in the Live Report v 8 Part 6 Live Reports How to effectively navigate and use the data found sususuu 16 Functionality in the Live Report Part 7 Predictive Scores How to use and understand PAYDEX CCS and FSS Y ludd 23 amp Indicators Part 8 Companies How to use and categorize company data for effective use 28 Part 9 News and Alerts How to set and use alerts to meet your business and monitoring needs 32 Part 10 Are you a DNBi How to use all the functionality specific to Administrators 34 RM Admin Part 11 Dashboard How to use the dashboard to effectively harness the power of DNBi 35 What is DNBi The only Web based risk management solution blending powerful on demand tools with your data and D amp B s unparalleled international business information and insight in one place in real time all the time DNBi offers four optional add on modu
45. n the upper right corner 2 Click the Add to Folder icon on the upper right corner when viewing a report for the first time Live Report Tabs This section covers only Live Report Tabs This User Manual also covers DNBi Menu Tabs which appear at the top of your DNBi screen See the Screenshot below for what will be covered in this section Ed TC ompany Summary ae Company Summary r ac Ce BL Mryn add Dhow Fike La PAFDET BED RSS Peel CIERRE imaia ETE Cee EDDIE Dub Eug rt Tra Lads are LLAF FEPIEHTLE LET C Der SE Cre nTYoR Breie tco EI 1 wa 2 Jiu Trabe Parera Cusisrsire fears Dui habi dcr rz r iuis x r EAR HEH ial Lwyn Lad Crm hi rw C Le I acm ed Seeds I Lans hery uu foe cial Del ann Clanes F Pramil Xe rua bassi T EOS Laws shek c perro peed bireye cere sand 12 monii Low sinh ol peers Francis mwyn Dewr Bwn eur 12 mondi Wisin ri i adl i an aei Di Wraasl rores n 5 4 y F i 3 y z i Irrie Leaps cmm o cmm ug run L ah edu L iiem Dri aids bees Dol ail Company Summary This section is customizable Click the Customize icon on the upper right of the Company Summary Screen A self serve page will open where you can add and remove data elements which will give you a quick overview of a company s status Small Business Risk Insight SBRI The SBRI scores are loaded into DNBI in real time Therefore you may get a loading icon while the live data is being pushed into the report A dashboard will
46. nd credit to compa nies in that country The D amp B Country Risk Report is an ideal reference for multi national compa nies and companies new to doing business globally that require instant expertise on a country Available on 132 individual countries each report contains on average 50 pages of comprehensive analysis This includes short term business forecasts and the D amp B Country Risk Indicator a propri etary D amp B rating that allows for cross country comparisons of risk worldwide 13 Specific report contents include the following Country Risk Indicator Summary D amp B s unique measure of business risk by country along with an explanation of factors behind the rating Economic Data on Gross Domestic Product GDP government finances and balance of payments with cross country comparisons Executive Summary Two page briefing on key areas of national risk D amp B Country RiskLine Report This 7 page report offers a unigue profile of the general business climate typical terms and trading conditions in a specific country It is of particular value when you need a concise reference on a nation where you are currently doing business or planning to expand to in the future Specific report contents include the following D amp B Country Risk Indicator D amp 6B s unigue rating of the risk of doing business in an individual country Trend Indicator A concise index showing whether the risk environment is improving or
47. nnouncements on earnings reports releases The information in this tab may help explain unusual company trends For example a change in ownership could have an impact on payment or decreased production may reflect an unexpected interruption in factory operations i e labor strike fire History amp Operations History amp Operations data can help you to minimize exposure under UCC legislation by using registration details to validate UCC filings When available banking information is also displayed here as well This tab features detailed information on the history of a company including management team background and key principals details on related companies registration industry classification and incorporation information Also featured are details of company operations including the identity of the parent company the geographic scope of the business and the key holdings Map using ves information is also available in this section Click on Company Family Location and you can see the address provided in the Live Report on an interactive map If you need a larger view click on the Larger View link and a full screen map with various display options will pop up For more information about Map Using Google see Part 6 Live Reports Functionality Financial Statements A company s performance and stability data can be critical when determining credit limits and lending terms Use this section to access D amp B s 10026 cov
48. oard to move west Additionally you can zoom in or out pressing the or keys Move the cursor over a location and use the mouse scroll button to zoom in or out on that location To center and zoom in on a location double click the location Navigation controls include 1 Arrows Click the appropriate arrow buttons to move the view north south east or west Click the Center button to return to your original view 2 Zoom Click to zoom in on the center of the map Click to zoom out 3 Zoom slider Drag the zoom slider up or down to zoom in or out incrementally 21 Views Map This shows a map with a traditional depiction of roads parks borders bodies of water and more e Satellite This shows aerial imagery e Hybrid This shows aerial imagery and road information Viewing maps of other addresses The Larger View link provides you with the option to view other company addresses D amp B address Application address Account address amp other corporate family business addresses such as branch or subsidiary locations You can click on any of these addresses and view the location of the address on the corresponding map Country Availability Full functionality of Google Maps is currently available in the following countries Australia Canada China France Germany Italy Netherlands Spain the U K and the U S However you will have to manually edit the address in the map view window for all Int
49. open featuring SBRI Origination Scores for Lease Credit Card and Loans and Key SBRI Attributes and Account Summaries You must be an SBRI member to see this data Contact your D amp B Relationship Manager for how to join For more about the SBRI Program see Part 6 Live Reports Functionality Corporate Linkage Corporate linkage is the relationship between different companies within a corporate family Linkage occurs in the D amp B database when one business entity controls another business entity because it has financial or legal responsibility for another business thus creating a Headquarter Branch or Parent Subsidiary relationship The information in this Tab is updated daily and reflects the most up to date information on mergers acquisitions openings and closings For additional details that may have occurred after the update please review the Special Events and History and Operations Tabs see below The number of family members is limited to 25 per location type Branches Subsidiaries etc to ensure there is enough space to show them all in each Live Report If a company has more branches subsidiaries or affiliates you can use the Dynamic Family Tree functionality to see an interactive view of the complete list For more details see Part 6 Live Reports Functionality Predictive Scores This Tab enables you to see a company s current state and future outlook by having the Financial Stress Score FSS Commercial Credit Score
50. r Under the Financial Statement tab in either the Account or Application reports select the Compare Financials button You can select up to three periods In the case of Edgar Financial statements you can spread up to 4 statements of financial statements you would like to spread across the Edgar source click the View button In the case of Annual statements the past three available annual statements will be allowed to spread In the case of quarterly spreading option the past 4 available quarterly statements will be allowed to spread The financial statements Balance Sheet Income Statement Cash Flow Statement and Financial Ratios will be displayed on the Comparison Sheet How do I view the variances between the financial periods selected Under the Financial Statement tab select the Compare Financials button You can then select three periods of financial statements you would like to compare and view variances then click View Once the financial statements have been selected you can view the variances by selecting the Variance tab How many periods can be selected to spread The financial statements for the current period and the previous two periods can be selected to compare for annual statements and four periods for Ouarterly EDGAR statements Which sources of financial statements can I use for spreading and variance calculations You can select financial statements from Edgar for public companies or user entered fin
51. rcial Credit Score and Financial Stress Score you can choose either to monitor the Class or the Percentile but not both at the same time To change from the Class to the Percentile you must first uncheck the score type currently selected and this will re enable the check boxes next to the other type enabling you to choose the new option Export Your administrator can export your Alerts for you to an Excel or csv file 33 1 0 Are you a DNBi Risk Management Basic Administrator Overview Administrators are users who have specialized access to DNBi enabling them to create add modify and delete files users and more All Administrator functionality is found under the DNBi Tab labeled Admin Administering Users Adding New Users Click Administer Users Then click the button Add New User Here you will be able to enter all perti nent information about your user including the ability to assign Roles and Live Report visibility User roles are pre defined and are available via an easy to use drill down list You can choose multiple roles per user Roles limit the users access to certain features For the roles matrix see Appendix A Configure IP Security You may restrict your users from only accessing DNBi via selected IPs The locations entered below must be Public IPs and not of those issued within a Private Network To get to this functionality click Administer Users Then click the button Configure IP Security
52. red 10 Associations This Tab displays any other electronic credit files associated to the respective D U N S number you ve looked up For example it will list any and all Snapshots saved in DNBi with the same D U N S number If there are no associations it will say No Associations have been found Trade Groups DNBi Trade Groups powered by Smyth allows DNBi users to join and or form industry sector groups These industry sector groups enable group members to exchange request and submit trade information in real time on customers they are evaluating through Smyth s powerful group interchange system Additional subscription to Trade Groups required Notes This tab displays a list of notes along with a time and date stamp that have been entered by users on your DNBi workspace You can also add new notes here as well When creating a note you can make it shared with Everyone Managers only or make it Private Information in this section will not be added to D amp B s central repository For Decision Maker and Account Manager customers only Your Information This tab allows you to record additional information about the company you ve looked up to supplement the D amp B information Information entered in this section will not be added to D amp B s central repository and will be kept private under your user ID Only you will be able to view the information The default fields are Account Number Sales Representatives Credit L
53. sell opportunities Gain an understanding of where purchase decisions are made Quickly identify possible conflicts of interest To view the Dynamic Family Tree you need Java 1 5 or higher You can download Java 1 5 for free from www sun com Go to the Downloads section If you do not have Administrative rights to install plug ins on your computer contact your local network administrator or IT tech support department 16 Print To print the Dynamic Family Tree simply click on Print Current View in the top navigation bar Save You cannot save Dynamic Family Trees However you can view and print any Dynamic Family Tree at any time Location Types Global Ultimate The business worldwide ultimate parent company Domestic Ultimate The highest level family member within a specific country Parent A corporation that owns more than 50 percent of another corporation Headquarters A business location that has branches or divisions reporting to it Branch A secondary location of a business Subsidiary A corporation that is more than 50 percent owned by another corporation Company Risk Level Color Key The Dynamic Family Tree colors represent a company s risk level as defined by the D amp B Commercial Credit Score 0 5 Risk Classification See Part 7 Predictive Scores and Indicators for more in depth information on CCS Class The Dynamic Family Tree uses a 3 point color scale red yellow and green Gre
54. t due listed by cycle Charge off amount written off as a loss Map Using Google Overview We have combined the powerful user friendly mapping technology of Google Map with D amp B s DUNSRight information You can e View the location of a company and its corporate family e View the location of other addresses associated with the company such as the application and account addresses 20 Access You can access a map from the Map using Google button Mapusiag Sess in the header of Live Reports Applications or Accounts When you click the button a new window will open with a small map view Google Maps can also be accessed from the History amp Operations tab From the Map view itself you can click on the Larger View link and will be taken to the full fledged map view with additional display options If an address is not able to be matched to Google s data you will see the following message We are unable to generate a map for this location You can click on the Edit button in the Map view window to remove extraneous address data or characters in the address to get a map Navigation You can navigate move your view in two dimensions in any map To pan move the map do one of the following Click and drag the map Press the up arrow on your keyboard to move north Press the down arrow on your keyboard to move south Press the right arrow on your keyboard to move east Press the left arrow on your keyb
55. tatements The last section in the Financial Statement screen represents the industry norms and the key business ratios if available The ratios are displayed for the firm industry median and quartile The industry norms are available only for the current financial year Industry Norms show you following Ratio values for the firm Industry median and quartile for the following ratios Return on sales Return on net worth e Quick Ratio Current Ratio Assets to Sales Sales to Net Working Capital Total Liabilities to Net Worth International Reports Country Risk Services Overview D amp B currently offers three kinds of country risk reports The D amp B Country Risk Report provides detailed information required to evaluate critical trade and investment decisions on a single country D amp B s Country RiskLine Report provides an up to date snapshot on the overall risk of doing business internationally with analyses of political commercial and economic risk covering over 132 countries worldwide Note There is an additional charge to pull country risk reports Users are shown an interrupt page indicating there is an additional charge and a link to the previous country risk report pulled for the same company if it exists D amp B Country Risk Report This report provides key economic commercial and political information that can help you assess the risk of doing business in a specific country before you trade invest or exte
56. the SBRI agreement non financial version contribute to D amp B s Trade tape program Please contact your D amp B Relationship Manager or call 1 800 234 DUNS for more details SBRI Origination Scores Overview The SBRI Origination Scores are a set of three scores specifically designed to predict future business delinquency on loans credit cards and leases The purpose of these scores is to help financial services institutions improve their loan lease and business credit card origination strategies and performance and to help non financial services customers gain a better insight into how their customers are paying their financial obligations The scores are based on the powerful financial performance data contained in D amp B s Small Business Risk Insight SBRI database combined with other highly predictive data through D amp B s DUNSRight Process The SBRI Origination Scores offer an unprecedented predictive measure of delinquency on small business credit applicants Development To develop the SBRI Scores D amp B created a suite of predictive models that leverage the rich source of lending performance data found in the SBRI database as well as the power of D amp B s commercial database SBRI data delivers a more complete view of a customer By enabling access to financial services performance data such as the number of leases loans lines and cards SBRI offers a previously hidden part of the complete financial picture 18 What do th
57. tion in D amp B s files Obtaining legal relief from creditors Ceasing business operations without paying all creditors in full Voluntarily withdrawing from business operation leaving unpaid obligations Going into receivership or reorganization or making an arrangement for the benefit of creditors Like the Commercial Credit Score CCS the risk information is classified in three ways From broadest class to the most specific numerical score The risk class is best used for high level segmentation while the raw score and percentile are best used for establishing score cut offs and risk management policies The FSS is not calculated for those businesses designated as Discontinued at This Location Open Bank ruptcy or Higher Risk These records are automatically assigned a score of zero The FSS Risk Class segments businesses into five simple segments based on the raw score and percentile e Risk Class of 1 represents businesses that have the lowest risk of financial stress e Risk Class of 5 represents businesses that have the highest risk of financial stress FSS Percentile 1 highest risk to 100 lowest risk percentile indicates where a company ranks among all scored businesses in the D amp B database For example a percentile of 80 means a company scores better than 79 percent of other businesses FSS Raw Score The raw score provides a direct relationship between the score and the level of risk It is commonl
58. y used by customers who are familiar with and prefer consumer scorecard type score scales The raw score which is the most detailed measure of risk enables a customer to utilize more granular cutoffs to drive their automated decision making and monitoring processes A score of 1 001 represents businesses that have the highest probability of financial stress A score of 1 875 represents businesses that have the lowest probability of financial stress 23 Financial Stress Score Financial Stress Score Financial Stress Class Range Percentile Score Range Failure Rate il 1316 1875 21 100 1 2 2 1288 1315 EIBIE P 4 9 3 1255 1287 5 10 8 0 4 1216 1254 2 4 14 1 5 EI ORI CUPIS 1 23 0 Commercial Credit Score CCS D amp B s CCS is designed to predict the likelihood that a company will pay its bills in a severely delinquent manner 90 days or more past terms obtain legal relief from creditors or cease operations without paying all creditors in full over the next 12 months based on information in D amp B s files A severely delinquent firm is defined as a business with at least 25 of its payments slow and at least 10 of its payments 90 days or more past due The CCS score model is based upon the observed characteristics of thousands of businesses in D amp B s database and the relationship these characteristics have to the prob ability of a company experiencing severe delinquency over a period of 12 months The CCS class

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