Euler Hermes S.A.

providing information in the field of financial transactions; [ appraisals of insurance claims of real estate and personal property; establishment of account statements in the nature of financial information processing; ] financial analysis; financial information provided by electronic means; financial evaluation for insurance, banks, landed property; financing services; debt collection; [ property management and building management, namely, real estate management; ] financial services, namely, assisting others with the completion of financial transactions for indemnity bonds, guarantees and other declarations of liability; [ extension of credit; ] credit consultation services; guarantee assurance underwriting; [ extension and coverage of installment loans; electronic funds transfer; ] underwriting in the field of insurance; Business information, namely information on the financial position and the financial soundness of firms, financial statements, financial standing, cash indebtedness, solvency and borrowing power of firms; business appraisals for provision of services outlined above solely in the fields of insurance and credit; data processing services in the fields of insurance and loan financing as it relates to expert appraisals; Provision of computer services, namely, software development and updating computer systems; consulting services for computer systems; software maintenance; computer systems analysis; computer programming for others

business information, namely information on the financial position and the financial soundness of firms, financial statements, financial standing, cash indebtedness, solvency and borrowing power of firms; business appraisals for provision of services outlined above solely in the fields of insurance and credit | providing information in the field of financial transactions; [ appraisals of insurance claims of real estate and personal property; establishment of account statements in the nature of financial information processing; ] financial analysis; financial information provided by electronic means; financial evaluation for insurance, banks, landed property; financing services; debt collection; [ property management and building management, namely, real estate management; ] financial services, namely, assisting others with the completion of financial transactions for indemnity bonds, guarantees and other declarations of liability; [ extension of credit; ] credit consultation services; guarantee assurance underwriting; [ extension and coverage of installment loans; electronic funds transfer; ] underwriting in the field of insurance | [ provision of computer services, namely, software development and updating computer systems; consulting services for computer systems; software maintenance; computer systems analysis; computer programming for others; and ] data processing services in the fields of insurance and loan financing as it relates to expert appraisals

Database management software, namely, databases and databanks of commercial, balance sheet accounting, financial, economic and legal information regarding commercial firms; Telecommunication devices and equipment, namely telephones and facsimile machines and application packages, namely telephones and facsimile machines; software and application packages, namely, database management software for credit insurance management; magnetic and optical data media, namely, blank, CR-ROMs, blank computer disks, blank smart cards; [Telecommunications services, namely, electronic transmission of messages and information; telematic sending of information, telephone communications, and computer system communications, namely, e-mail services; online data transmission and providing information exchange networks; company data and information transmission and exchange via telematics, telephone, computer systems, internet and intranet; transmitting and exchanging company data and information relating to credit insurance, credit insurance policies, financial guaranties and commitments, renting telecommunication equipment]; Providing databases featuring financial information on companies and information regarding the financial soundness, cash flow, debt load, solvency and the debt servicing capacity of companies; providing databases featuring credit insurance policy management information; providing an on-line computer database to allow insured parties to obtain balance sheet information on their prospects or clients, to handle authorizations and commitments on-line, to handle orders to delivery, formulate and obtain guarantees on-line, access their guarantee line levels, monitor the progress of recovery actions; insurance administration for policyholders of credit insurance polices; insurance administration for policyholders of approvals, commitments, of order, to deliver and insured party recovery actions; insurance administration for policyholders of civil and commercial debits; financial services, namely, financial analyses and consultation, fiscal assessments and evaluations, providing fiscal estimates and forecasting concerning all companies in business relationships with policyholders of credit insurance policies; financial information provided by electronic means; financial information provided by electronic means regarding a company's financial situation and financial capacity; financial information provided by electronic means regarding the financial soundness, cash flow, debt load, solvency and the debt servicing capacity of companies; insurance operations and transactions namely, credit insurance underwriting; providing on-line credit insurance underwriting; providing information and advice in the field of credit insurance; guarantee and guarantor services, payment guaranties on debt to recover, issuing financial guarantees or acceptances; forming guarantee commissions; granting advances on debts to be recovered; services for requesting and granting approvals, and on-line financial guarantees; financial management of credit insurance policies, namely, financial management of accounts receivable insurance; financial management of accounts receivable insurance, namely, financial management of approvals, orders to deliver, guaranties to fulfill and recover actions on behalf of policyholders; financial management of civil or commercial debts; receivables recovery services; collecting all invoices and financial paper outstanding, namely receivables collecting agencies, financial factoring services; loan financing; financing term item payment services; [Formulating estimates and evaluations in business matters; business information and intelligence, namely, providing economic and commercial information on companies; business assessments; business investigations and research; accounting audits and analyses; economic forecasting and analyses;] market research; economic information and intelligence services, namely, providing economic and commercial information on companies; providing an on-line computer database in the field of company business and accounting information; providing an on-line computer database featuring statistical information; providing an on-line computer database featuring balance sheet, accounting economic and commercial information on companies; providing an on-line computer database in the field of business, accounting, economic and commercial information on companies; [Computer services, namely, compiling information into a computer database for others;] designing, implementing, developing and updating database server centers, software, applications and Internet sites for policyholders and subscribers that allow obtaining on-line access to balance sheets, accounting, financial, economic, business and legal information on companies; designing, implementing, developing and updating software and applications for policyholders and subscribers for managing balance sheets, accounting, financial, economic, commercial and legal data and information on companies; designing implementing, developing and updating database server centers, software applications and web sites for policyholders and subscribers that enable obtaining on-line information on the financial soundness, cash flow, debt load, solvency and debt servicing capacity of companies; designing, implementing, developing and updating software and applications for policyholders and subscribers for managing data and information on the financial soundness, cash flow, debt load, solvency and debt servicing capacity of companies; designing implementing, developing and updating server centers, software, applications and internet sites for policyholders and subscribers, providing an on-line computer database in the field of legal information on companies; computer services, namely, creating and maintaining web sites for policyholders and subscribers[; alternative dispute resolution; legal services relating to insolvency, liquidation and receivership]