Delivery Date: Dec 27, 2022
Subscriber No: 716000061
Ticket Key: 202212275007230088
Reference: Sample reportComprehensive Report

SAMPLE PLASTICS PTE LTD
ACTIVESINGLE LOCATION

Address:
Telephone(s):D-U-N-S Number:
Subsidiary Of:

9 Bedik South Avenue 88 , #03-99, Kool Business Hub, Singapore, 654321
Republic of Singapore(+65) 64662851(+65) 64662416
59-510-7400
INTERNATIONAL PLASTICS PTE LTD,Bermuda

IDENTIFICATION & SUMMARYIDENTIFICATION

E-Mail:Website:Fax:

opal1@sample.com.sg

www.sample.com.sg(+65) 64662422

Imports:

Registered Charges:

SUMMARY

Type of Business:

Private Limited Liability Company Yes

Yes

History:

Exports:

SIC:

Clear

Yes

3085-0000
5032-0100

Start Year:
2018Line of Business:

Registration No.:

Manufactures plastics bottles
Wholesales paving materials

XXXX04256Z
Chief Executive Officer:
Mr Adrian Wilson
Managing Director
Control Year:2018

Employees (Total):
120 (Est)Address:
9 Bedik South Avenue
88 , #03-99, Kool
Business Hub,Singapore, 654321

RISK EVALUATIONFINANCIAL SUMMARY

Risk Indicator2

FYE

Dec 31, 2021

D&B Rating

3A2

Revenue

23,312,301

Former Rating

3A2

Tangible Net Worth

8,407,097

Total Asset

26,482,564

Total Liabilities

18,075,467

Net Profit after Tax

1,167,336

Current Ratio

1.34

Quick Ratio

0.81

Profit Margin /Return on Sales

5.00%

Return on Assets

4.40%

Total Debt to Net
Worth215.00%

CURRENCY
All monetary amounts quoted in this report are shown in Singapore Dollar (SGD), unless otherwise
stated.

RISK ASSESSMENT
Risk Indicator
Risk Level of the Company is : LOW

2High Risk(4)Low Risk(1))

D&B Rating

Former Rating

Financial Strength
3A

Risk Indicator
2

Financial Strength
3A

Risk Indicator2

Based on net worth

Good (Low Risk
Expected)

Based on net worth

Good

The Dun & Bradstreet Rating of 3A2 indicates:
A Financial Strength of SGP 4,000,000 - 19,999,999 (Based on net worth) and a Risk Indicator which is Good
(Low Risk Expected).

D&B's Rating consists of 2 parts, the Financial Strength and the Composite Appraisal/Condition. Financial
Strength is an indication of the tangible net worth (that is, the shareholder's funds less any intangible
assets). The Composite Appraisal/Condition is linked to the level of risk and is an overall evaluation of credit
worthiness. It takes into account the financial condition and several factors such as trade reference history,
legal structure, management experience and any adverse listings.

FINANCIAL STRESS SCOREFinancial Stress Score for this business.

100

The D&B Financial Stress Score: 1487
The D&B Financial Stress Percentile: 100

High Risk(1)Low Risk(100)

Relative Risk

Risk Class

Average Probability of Failure

Minimal Risk

1
Highest Risk:5, Lowest Risk:1

0.19%
Highest Risk:100%, Lowest Risk:0%

Interpreting the Financial Stress Score:
1. The D&B Financial Stress Score predicts the likelihood that a business will fail within the next 12 months.
2. The D&B Financial Stress Score is a relative measure of risk, where 1 represents businesses that have thehighest probability of failure and 100 the lowest.

INDUSTRY NORMS

INDUSTRY NORMS
SIC: 3085 - Manufactures plastics bottles
Upper

MedianLower

Subject

Current Ratio

2.24

0.37

-

1.34

Quick Ratio

1.82

0.30

-

0.81

Total Liab. to Net
Worth Ratio(%)

80.39

13.39

-

215.00

Collection Period(Days)

-

-

-

51.48

Sales to Inventory(Times)

-

-

-

3.43

Return on Sales
(%)

-

-

-

5.00

Return on Equity
(%)

1.84

0.30

-

13.88

Solvency

Efficiency

Profitability

BANKSInformation in this report may not represent the full extent of subject's bank relationships.
Banking relations are maintained principally with:Bank Name:DBS BANK LTD

Branch:Main Branch

Address:

6 Shenton Way DBS Building, Singapore

Telephone:(+65) (6XXX5599)

Fax:(+65) (6XXX5600)

Bank Name:

CITIBANK NA

Branch:Main Branch

Address:

5 Shenton Way #06-00 UIC Building, 068808 Singapore

Telephone:(+65) (6XXX2611)

PUBLIC RECORD INFORMATIONCOURT ACTIONSNo Court Action Found
This section of the report was compiled after a search was conducted on the D&B Court File which contains
cases heard in the High Court, compulsory and voluntary winding-up petitions and orders.
However, the public record items contained in this report may have been paid, terminated, vacated orreleased prior to the date this report was printed.

REGISTERED CHARGES
A search was conducted and the following charges were found.
CHARGE DATE:

Jun 12, 2005

CHARGE NUMBER:

94/52440

AMOUNT SECURED:

SGD All monies owing

CHARGEE :Citibank NA

CHARGE DATE:

Apr 02, 2006

CHARGE NUMBER:

95/14773

AMOUNT SECURED:

15,025,895.00

CHARGEE :Development Bank of Singapore Ltd

The record items above under "Registered Charges" may have been paid, vacated, settled or released prior
to the date this report was printed.

CURRENT INVESTIGATIONOn Nov 14, 2022, Mr Adrian Wilson, Managing Director, confirmed all operations information in this report.

SPECIAL EVENTSFormer Physical Address:
Postal Box 106:

2-6 Paddington Grove, Harvard Industrial Lane #10-88, Parkview Tower

Date Changed:

Apr 20, 1996

In 1998, John Sanderson XXX362M Director Had deceased

MERGERDate:

May 20, 1988

Event:

MergerMerged with:ABC CO INCHISTORYREGISTRATION DETAILS
Legal Structure:

Private Limited Liability Company

INCORPORATED:Mar 22, 2018

Registration Body:

Registry of Companies and Businesses

File Number:

XXXX04256Z
Singapore

Registered Office:

Hutchinson Boulevard
Sime Square Tower

Floor / Unit #12-456:

660237Singapore

Last AGM Date:

Jun 30, 2014

Last Annual Return Date:

Jun 30, 2014

Last Financial Statement
Date:

Dec 31, 2014

Registry details provided by search at local registry office

CAPITAL DETAILS
Issued Capital:

SGD 6,000,000.00

Paid-up Capital:

SGD 6,000,000.00 as of Jan 06, 2016

Ordinary Shares:

SGD 6,000,000.00 at par value 1.00

CHANGES IN CAPITALCHANGES IN LEGAL NAME
Original Name:

Fizzy Bottles

Changed To:

Bubbling Bottles Ltd

Date of Change:

1982

Changed To:

Shake 'n' Pour Bottles Inc

Date of Change:

Jan 01, 1986

Changed To:

Present Name

Date of Change:

May 18, 1992

REASON FOR CHANGES IN LEGAL STRUCTURE
Date:

Mar 12, 1986

Change:Conversion from a private to a public limited company

Company:

Shake 'n' Pour Bottles Inc

SHAREHOLDER(S)The following details represents the Full Shareholders List.

ORDINARY SHARESName of Shareholder

Location

Shares held

%Held

International Plastics
Pte Ltd

Singapore

4,500,000

75

1,500,000

25

PublicName of Shareholder

LocationInternational Plastics Pte Ltd
Public

PRINCIPALSEXECUTIVES
Name:Adrian Wilson(identity number: XXX5189M)

Alias:Paul Michael Wilson

Year of Birth:1945

Current Title:

Managing Director
Manager of Sales

Appointed to Present
Position:

1979

Started with Subject:

1979

Education:

Graduated from university
from University of Glasgow
Scotland
Bachelor of Mechanical Engineering

Active in daily operations:

Yes

Email:

awilson@sample.com.sg

Employment History:
PeriodCompany Employed

Last Position Held

1970 - 1973

National Plastic Co (S) Pte Ltd

Manager

1973 - 1975

International Plastic Pte Ltd

Executive

Name:

Kwek Leng Boon
(identity number: SXXX0009G)

Year of Birth:

1929

Current Title:

Director
Assistant Supervisor

Appointed to Present
Position:

1989

Started with Subject:

1989

Education:

Graduated from university
from University of Warwick
United Kingdom
Bachelor of Accountancy

Qualification:

C.P.A. (Certified Public Accountant)

Active in daily operations:

Yes

Email:

lbkwek@sample.com.sg

Employment History:
PeriodCompany Employed

Last Position Held

1986 - 1989

21st Century Ltd

Financial Controller

Name:

Koh Siew Hong(identity number: SXXX0324Z)

Year of Birth:1945

Current Title:

Director
Assistant Supervisor

Started with Subject:

1988

Education:

Graduated from university
from Harvard Business School
United States
Masters of Business Administration

Education:

Graduated from university
from University of North Texas
United States
Bachelor of Banking

Active in daily operations:

Yes

Employment History:
PeriodCompany Employed

Last Position Held

1986 - 1988

Singapore Containers Pte Ltd

Manager

Name:John Sanderson(identity number: XXX362M)

Year of Birth:

1951

Current Title:

Director

Started with Subject:

1988

Education:

Graduated from college in 2000
from Harvard University
United States
Doctorate of Arts

Active in daily operations:

Yes

Employment History:
PeriodCompany Employed

Last Position Held

1981 - 1987

ANZ Bank

Financial Controller

Name:Mark TanCurrent Title:

Director Sales
Director of Marketing

Active in daily operations:

Yes

PROJECTSLOCATION

Size of premise:

5,000 square feetType of Occupation:

Owned

Location:

Industrial zone

Occupies:

5th Floor(s) in a multi- storey building

Building Frame:

cement blockBuilding's Exterior:brick

Premises used as:

Plant/Factory
Warehouse

Rent/Lease Amount:

SGD 5,000 per month

Lease expires:Dec 31, 2014

OPERATIONS

3085-0000
Manufactures plastics bottles
5032-0100
Wholesales paving materials

AGENCIES HELD - BRAND NAME
Principal Name:

Green Bottles Pte Ltd

Subject as:Distributor

Brand Names:

SAMPLE
PLUS PLAS

Subject is a franchisor.
No. of Franchisees:

2

PURCHASES
Local:

40%

International:

60%

Imports From:

United States
Japan 10.00%
Taiwan R.O.C. 10%
Europe 15%
Asia 5%

PURCHASING TERMSLOCAL PURCHASE TERMS
Terms:

Letter of Credit
Open Account 30 to 90 days

Import Terms
Terms:Cash on Delivery
ContraSALES TERRITORY
Local:

80%

International:

20%

Exports to:United States 10%
China (People's Republic) 5%

Others:5%

SELLING TERMS
Local Sales Terms
Terms:

Open Account 30 days
Contract
Letter of Credit

Export Terms
Terms:

Inter-Company Account

CUSTOMERS
Subject maintains 100 to 200 accounts / customers.
Major Customers
Manufacturer(s)50% of Sales
Wholesaler(s)20% of Sales
Gobber Inc
Singapore
30% of Sales
Year:

1998

Import:Singapore Dollar 50 in 001

Export:Singapore Dollar 60 in 001

EMPLOYEE(S) - CURRENT
Total Employees:

120 EstimatedEMPLOYEE(S) – PREVIOUS
Year:

2017

Total Employees:

120 EstimatedTotal includes managers and active directors.
Previous year's employees incl:
Full-Time Employees:

92Part-Time Employees:

17

Seasonal Employees:

11

Year:

2011

Total Employees:

117 EstimatedTotal includes managers and active directors.
Previous year's employees incl:
Full-Time Employees:

90Part-Time Employees:

17

Seasonal Employees:

10Year:

2006

Total Employees:

200 EstimatedTotal includes managers and active directors.
Previous year's employees incl:
Full-Time Employees:

100Part-Time Employees:

20

Seasonal Employees:

50

Production Workers:

30

Subjects operations peak during:Subjects operations peak during:Christmas
Chinese New YearCAPACITY AND PRODUCTION OUTPUT
Product Name:

Plastic Bottles

Period:2007

Actual Production Output:

2,000 Units per day
2 shifts per day

Period:2007

Production Capacity:

3,000 Units per day
2 shifts per day

Average Unit Price:

Singapore Dollar 5

Price Range:

From 3.5 to 6
Singapore Dollar
OVERALL PRICE - ALL PRODUCTS

Price Range(s) From :3 7 15AMENITIES / FACILITIES:
10 001 Conference Facilities in 005
Mr Beans
LEAF

ISO CERTIFICATION:
Subject was awarded

LINKAGEISO 90001 on Jun 12, 1992
ISO 90000 on Mar 06, 1994
ISO 90003 on Jan 01, 2000



GROUP OF COMPANIES
Subject is a member of Plastics Group.

ULTIMATE PARENT
LOCATION:INTERNATIONAL HOLDINGS PTE LTD
Shell Lane
42nd Floor
Kingstown
CAYMAN ISLANDSPARENT
LOCATION:INTERNATIONAL PLASTICS PTE LTD
54 Hill Street
22nd Floor
Mountain View Building
Ocho Rios
Bermuda

INTERCOMPANY
TRANSACTIONSintercompany sales
loans

SUBSIDIARYTOTAL NUMBER OFSUBSIDIARY:

2 Approx.

LOCATION:

PLASTIC CONTAINERS PTE LTD
36, Normandy Road
5th Floor
Hitech Industrial Building
Timbuktu Cebu
4600 Philippines% OF SHARES OWNED :100%

INTERCOMPANY
TRANSACTIONS

guarantees
intercompany sales

LOCATION:SINGAPORE PLASTIC TUBING PTE LTD
Pasir Panjang Avenue 4#12-00/01
Deutsch Tower
516024 Singapore% OF SHARES OWNED :80%

AFFILIATE(S)TOTAL NUMBER OF
AFFILIATES:

2 Approx.

LOCATION:

PLASTIC PRODUCTS INC
June Avenue#10-88August Tower
Aceh Makati
558899 Philippines

Subject holds 30 % of shares / interest in affiliate.

LOCATION:

POUND SAVERS
12, Shaw Boulevard
5th Floor
Canary Building
Brisbane Queensland
41200 Australia

Subject holds 15 % of shares / interest in affiliate.

BRANCH(ES)
Subject maintains 1 branch(es).
Subject maintains 1 branch(es) regionally.
The principal branch location(s) are as follows:LOCATION:

LEAF
21st Century Grove#08-08Estee Park Suite
Johor Bahru Johor
51400 Malaysia

Location Type:

Factory/Warehouse,Administrative office

EMPLOYEES:10DIVISIONS
Subject maintains 1 divisions country wide.
The principal division location(s) are as follows:LOCATION:

MR BEANS
Pasir Panjang Road
#16-16
Alexandra Distripark Blk 1
516008 Singapore

CURRENCY: All amounts in this report are in local currency unless otherwise stated.

FINANCIAL INFORMATIONTREND OF TURNOVER26,000,000
24,000,000
22,000,000
20,000,000
18,000,000
16,000,000)DGS(

14,000,000
12,000,000
10,000,000
8,000,000
6,000,000
4,000,000
2,000,0000

Dec 31, 2017

Dec 31, 2018

Dec 31, 2019

Dec 31, 2020

Dec 31, 2021

(Fiscal Years)

Turn OverTREND OF KEY BALANCE SHEET ITEMS

55,000,000
50,000,000
45,000,000
40,000,000
35,000,000)DGS(

30,000,000
25,000,000
20,000,000
15,000,000
10,000,000
5,000,0000

Dec 31, 2017

Net WorthDec 31, 2018

Dec 31, 2019

Total Assests

Dec 31, 2020

Dec 31, 2021

Working Captial

Net Worth and Total Assets are tangible figures shown after the deduction of intangible assets.

COMPARATIVES
Particulars

FiscalDec 31, 2017
SGD

FiscalDec 31, 2018
SGD

FiscalDec 31, 2019
SGD

FiscalDec 31, 2020
SGD

FiscalDec 31, 2021
SGD

Current Assets

58,085,377

57,242,607

12,522,622

13,077,592

23,744,832

Current
Liabilities

6,108,045

3,776,603

8,870,600

8,615,274

17,640,229

Working
Capital51,977,332

53,466,004

3,652,022

4,462,318

6,104,603

779,962

522,941

3,034,685

3,004,454

2,737,732

Other Tangible
AssetsNon-Current
Liabilities

524,915

271,453478,835

537,809435,238

Tangible NetWorth

52,232,379

53,717,492

6,207,872

6,928,963

8,407,097

Annual Sales

26,279,457

16,502,869

22,147,630

22,655,293

23,312,301

Profit After Tax

5,855,911

1,485,113

714,201

912,068

1,167,336

Inventory

3,988,040

1,603,369

4,972,960

5,459,943

6,795,240

Cash & Bank

48,582,014

52,130,023

550,787

881,120

Accounts
Receivable

4,919,234

2,997,087

6,172,756

4,787,949

3,334,077

Fixed Assets

779,962

522,941

3,034,685

304,4542,737,732

Accounts
Payable1,123,342

515,153

4,841,869

6,694,985

16,694,985

FiscalDec 31, 2017
SGD

FiscalDec 31, 2018
SGD

FiscalDec 31, 2019
SGD

FiscalDec 31, 2020
SGD

FiscalDec 31, 2021
SGD

-

-

-

-

11,047,472

Cash & Bank

48,582,014

52,130,023

550,787

881,120-

Inventory

3,988,040

1,603,369

4,972,960

5,459,943

6,795,240

Accounts
Receivable

4,919,234

2,997,087

6,172,756

4,787,949

3,334,077

Other
Receivables /Accruals-

254,843--

114,556

Prepayments

-

6,328

-

-

-

Due from
Parent----32,713

Inter-company
Loans

-

-

-

-

2,420,774

DeferredTaxation-

159,664---

Deposits-

91,293---

Total Current
Assets

58,085,377

57,242,607

12,522,622

13,077,592

23,744,832

Leasehold
Improvements

-

-

-

-

748,274

Plant &
Equipment-

63,546--

1,524,480

Transportation
Vehicles

-

-

-

-

234,687

Furniture
Fixtures &Fitting

-

-

-

-

139,134

OfficeEquipment

-

-

-

-

91,157Right-of-Use
Assets-459,395---

Total Fixed
Assets-522,941--2,737,732

BALANCE SHEET
AssetsCashTotalInvestments

-

-

-

-

-

Total Assets

58,865,339

57,765,548

15,557,307

16,082,046

26,482,564

Liabilities

FiscalDec 31, 2017
SGD

FiscalDec 31, 2018
SGD

FiscalDec 31, 2019
SGD

FiscalDec 31, 2020
SGD

FiscalDec 31, 2021
SGD

Accounts
Payable1,123,342

515,153

4,841,869

6,694,985

16,694,985

Loans Hire
Purchase

-

-

-

-

39,989Other Payables/ Accruals-

2,355,559--

58,439Provision
Income Tax-

649,904--

546,100

Provisions

-

7,512

-

-

-

Inter-company
Loans

-

-

-

-

177,725

Lease
Liabilities-

248,475---

Other Current
Liabilities

-

-

-

-

122,991

Total Current
Liabilities

6,108,045

3,776,603

8,870,600

8,615,274

17,640,229

DeferredTaxation

-

-

-

-

360,000

Provisions-

60,533--75,238Lease
Liabilities-

210,920---

271,453435,238

Capital-587,406--

6,000,000

Retained
Earnings (Loss)-

53,130,086--

2,407,097

TOTAL EQUITY-

53,717,492--

8,407,097

TOTAL
LIABILITIES &EQUITY

6,632,960

57,765,548

9,349,435

9,153,083

26,482,564

Particulars

FiscalDec 31, 201712 Month(s)SGD

FiscalDec 31, 201812 Month(s)SGD

FiscalDec 31, 201912 Month(s)SGD

FiscalDec 31, 2020
12 Month(s)SGD

FiscalDec 31, 2021
12 Month(s)SGD

Revenue

26,279,457

16,502,869

22,147,630

22,655,293

23,312,301

Less: Cost ofSales-16,859,375-12,027,101-17,485,694-50,000-12,000,000

Gross Profit

9,420,082

4,475,768

4,661,936

22,605,293

11,312,301

OperatingExpenses-3,399,297-2,914,543-2,160,132-5,600150,000

Total NonCurrent
Liabilities

PROFIT & LOSS

Net Operating
Profit (Loss)
BeforeTaxation

6,020,785

1,561,225

2,501,804

22,599,693

11,462,301

Other Income

845,660

161,408-

12,0002,000

Less: Other
Expenses-6,978-16,643-1,124,603-20,802,600-9,298,167

Net Profit(Loss)before Tax

6,859,467

1,705,990

1,377,201

1,809,093

2,166,134

Income Tax-1,003,556-220,877-663,000-897,025-998,798

Net
Profit(Loss)after Tax5,855,911

1,485,113

714,201

912,068

1,167,336

Plus (Minus)
Extraordinary
Items

-

-

-

-

-980,000Net Profit
After Tax &Extraordinary
Items

5,855,911

1,485,113

714,201

912,068

187,336

Minority
Interests

-

-

-

-

-9,000Less: Dividends& Transfers to
Reserves

-

-

-

-

-1,177

Plus (Minus)
Retained
Earnings (Loss)b/forward-6,737,355-881,444

603,669

1,317,870

2,229,938

Retained
Earnings(Loss)
c/forward-881,444

603,669

1,317,870

2,229,938

2,407,097

-

-

-

-

200.00Dec 31, 2018

Dec 31, 2019

Dec 31, 2020

Dec 31, 2021

Sales Growth(%)-37.20

34.20

2.29

2.90

Net Profit
Growth (%)-74.63-51.90

27.70

27.98

Accounts are audited by Lee, Goh & Co. Accounts are unqualified.

RATIOS
Particulars

Dec 31, 2017

GROWTHTRENDSOLVENCYRATIOS
Current Ratio

9.50

15.15

1.41

1.51

1.34

Quick Ratio

8.75

14.59

0.75

0.65

0.81

Total Liabilities
to Net Worth
(%)

12.69

7.53

150.60132.09215.00

EFFICIENCYRATIOSCollection
Period (days)

67.38

65.37

100.33

76.08

51.48

Sales toInventory(times)

6.58

10.29

4.45

4.14

3.43

Return on
Sales (%)

22.28

8.99

3.22

4.02

5.00

Return on
Equity (%)

11.21

2.76

11.50

13.16

13.88

PROFITABILITY RATIOS

LIQUIDITY RATIOS

14
12
10
8
6
4
2
0

Dec 31, 2017

Dec 31, 2018

Dec 31, 2019

Current Ratio

Dec 31, 2020

Dec 31, 2021

Quick Ratio

FINANCIAL COMMENTARYNet Profit trend was Up, due to the following reasons:- lower bad debt provision- decrease in selling/administrative costs
Provision for bad debt in the current year was 5% against 7% in the previous corresponding period.
Networth was on an uptrend, due to- increased retained earnings

APPENDICESThe information in this report was last updated on Nov 14, 2022.

D&B RATING GLOSSARY
The following ratings are available for businesses in Singapore:
D&B Rating - The D&B® Rating in Singapore consists of 2 parts, the Financial Strength Indicator and the
Risk Indicator. The Financial Strength Indicator is based on either Net Worth of a current balance sheet or
Paid-Up Capital. Risk Indicator is used in conjunction with the Financial Strength Indicator. The Risk
Indicator reflects D&B's opinion of the risk associated with trading with a specific business. The table below
contains the values for the D&B Rating in Singapore.

Financial Strength Indicator
Financial Strength
Indicator

Range
Figures in Singapore
Dollar

Net Worth

Capital

From

To

5A

5AA

90,000,000

and greater

4A

4AA

20,000,000

89,999,999

3A

3AA

4,000,000

19,999,999

2A

2AA

2,000,000

3,999,999

1A

1AA

1,000,000

1,999,999AAA

900,000

999,999BBB

800,000

899,999

CCC

700,000

799,999

DDD

600,000

699,999E

EE

500,000

599,999FFF

300,000

499,999

G

GG

100,000

299,999H

HH

099,999Alternate Ratings UsedNQ

Out of Business: Business has ceased to trade

NB

New Business: Less than 12 months

O

Financial Strength is undisclosed; or Assigned tocompanies that do not request credit in theirnormal activities (Bank, Brokerages, Insurance Co.,
Associations, Government, etc..)

N

Negative Net WorthFB

Foreign Branch

BR

Domestic Branch

DS

Assigned to records that require investigation
before a rating can be assigned.

Risk Indicator
Risk Indicator

Condition

Credit Risk

Interpretation

1

StrongMinimal risk

Proceed withtransaction - offer
extended terms if
required2

Good

Low Risk

Proceed withtransaction

3

Fair

Slightly greater than
average risk

Proceed withtransaction but monitor
closely4

LimitedSignificant level of risk

Review each case before
extending credit andobtain more
information. Takesuitable assurances
before extending credit,
guarantees may beneeded-Undetermined

Undetermined Risk

Insufficient information
to assign a Rating

CONFIDENTIALITY
CONFIDENTIALTHIS INFORMATION IS PROVIDED BY DUN & BRADSTREET SUBJECT TO THE TERMS AND
CONDITIONS OF YOUR SUBSCRIPTION CONTRACT AND IS NOT TO BE DISCLOSED.
© Rights Reserved 2022 Dun & Bradstreet. All Rights Reserved. This report, which isauthorized for the exclusive use of D&B Customers, through a contract, and to be
used as an instrument of business decision, contains information compiled fromdifferent sources on which D&B no control and have not been verified unlessotherwise specified in this report. Dun & Bradstreet does not assume any of theuser's business risks; does not guarantee the accuracy, integrity and timeliness of theinformation and shall not be liable in tort, contract or otherwise for any loss, damage
or injury resulting from the use of this information, even if caused by Dun &Bradstreet's negligence
COPYRIGHT © 2022 DUN & BRADSTREET.THIS REPORT MAY NOT BE REPRODUCED IN WHOLE OR IN PARTIN ANY FORM OR MANNER WHATSOEVER.

END OF REPORT