Likelihood this company will
not pay on time over the
next 12 months

LOW

Likelihood this company will experience financial distress
in the next 12 months

LOW

Likelihood this supplier will
experience financial distress in
the next 12 months (can be used
to compare companies across
international borders)

MODERATE

D&B Rating: 1R3
Number of employees: 1R is 10 or more employees.
Composite credit appraisal: 3 is fair.
The 1R and 2R ratings categories reflect company size based on the total number of employees for the business. They are assigned to business files that do not contain a current financial statement. In 1R and 2R Ratings, the 2, 3, or 4 creditworthiness indicator is based on analysis by D&B of public filings, trade payments, business age and other important factors. 2 is the highest Composite Credit Appraisal a company not supplying D&B with current financial information can receive. For more information, see the D&B Rating Key.

Likelihood this company will not pay on time over the next 12 months

LOW

Credit Score Class: 2

The Credit Score class of 2 for this company shows that 4.6% of firms with this classification paid one or more bills severely delinquent, which is lower than the average of businesses in D&B's database.

Credit score percentile: 76 (high risk: 1%; low risk: 100%)

Commercial Credit Score Norms

Norms for companies in the same:

National Percentile

Region: (PACIFIC)

52

Industry: (CONSTRUCTION)

51

Employee Range: (20-99)

69

Years in Business Range: (11-25)

64

This Business:

76

The subject company has a Commercial Credit Score Percentile that shows:

- Lower risk than other companies in the same region.
- Lower risk than other companies in the same industry.
- Lower risk than other companies in the same employee size range.
- Lower risk than other companies with a comparable number of years in business.

Key Factors

• - 14 trade experiences exist for this company.
• - There are no credit score comments for this case

Likelihood this company will experience financial distress in the next 12 months

LOW

Financial Stress Class: 1

During the prior year, firms in this Financial Stress Class had a failure rate of 1.2%, which is 0.46 times lower than the national average.

Financial stress national percentile: 52 (high risk: 1%; low risk: 100%)

Financial Stress Score Norms

Norms for companies in the same:

National Percentile

Region: (PACIFIC)

50

Industry: (CONSTRUCTION)

38

Employee Range: (20-99)

80

Years in Business Range: (11-25)

52

This Business:

52

This subject company has a Financial Stress Score Percentile that shows:

- Lower risk than other companies in the same region.
- Lower risk than other companies in the same industry.
- Higher risk than other companies in the same employee size range.
- Similar risk compared to other companies with a comparable number of years in business.

Key Factors

• - 14 trade experiences exist for this company.
• - Financial Stress Score: 1379 (high risk: 1,001;low risk: 1,875)
• - Control age or date entered in D&B files indicates higher risk.
• - 2% of trade dollars indicate slow payment(s) are present.

Likelihood this supplier will
experience financial distress in
the next 12 months (can be used
to compare companies across
international borders)

MODERATE

Supplier Evaluation Risk Rating: 4

Key Factors

• - Suits, Liens, and/or Judgments are present - see PUBLIC FILINGS section.
• - Average Payments are on terms.
• - Average Industry Payments are 5 day(s) beyond terms.
• - Under present management control 15 years.

Commercial Credit Summary

• - The Incidence of Delinquent Payment is the percentage of companies with this classification that were reported 90 days past due or more by creditors. The calculation of this value is based on an inquiry weighted sample.
• - The Percentile ranks this firm relative to other businesses. For example, a firm in the 80th percentile has a lower risk of paying in a severely delinquent manner than 79% of all scorable companies in D&B's files.

Supplier Evaluation Risk Summary

• - The Supplier Evaluation Risk Rating Class indicates that this firm shares some of the same business and financial characteristics of other companies with this classification. It does not mean the firm will necessarily experience supplier failure.

Financial Stress Summary

• - The Financial Stress Class indicates that this firm shares some of the same business and financial characteristics of other companies with this classification. It does not mean the firm will necessarily experience financial stress.
• - The Incidence of Financial Stress shows the percentage of firms in a given Class that discontinued operations over the past year with loss to creditors. The Incidence of Financial Stress - National Average represents the national failure rate and is provided for comparative purposes.
• - The Financial Stress National Percentile reflects the relative ranking of a company among all scorable companies in D&B's file.
• - The Financial Stress Score offers a more precise measure of the level of risk than the Class and Percentile. It is especially helpful to customers using a scorecard approach to determining overall business performance.
• - All Financial Stress Class, Percentile, Score and Incidence statistics are based on 2004.

Average payment performance trend
when weighted by dollar amount

UNCHANGED

Company's payment performance over the
past 12 months compared with its peers

UNAVAILABLE

Last 3 months: Trend is unchanged

UNCHANGED

Last 12 months: Generally within terms
Industry benchmark: Prompt

D&B PAYDEX^® : 80