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Welcome to the GCS Zone • Since 1996, Global Credit Services has been a premium provider of aggregated business information to the supply chain. Our business analysis and credit insights drive business decisions for more than 50% of the Fortune 1000 companies and numerous private businesses. We have earned a reputation as the "premier business information provider" due to our exceptional quality, behind the numbers insight and have successfully grown our business. • We are now beginning the next phase of our growth strategy with the launch of a new suite of products delivered through our "new" website. We are leveraging our team's collective expertise in credit risk management and have elevated GCS into a high level rating agency with sophisticated methodology for determining corporate risk. We invite you to get "into the ZONE" - GCSZone. • GCSZone delivers several levels of service designed to meet the information needs of various users. From the financial professional who needs to meet the challenge of developing comprehensive risk management strategies, to the credit executive who wishes to turn data into actionable information to make profitable decisions. • Our "new" credit risk management solutions include ARMZ (Automated Risk Management Zone), a full-solution credit scoring application that empowers senior managers to monitor and control credit exposure and overall corporate risk at specific sector, industry, and company levels. From industry specific scorecards to complete work queue functionality, ARMZδ is a turn-key risk management solution that provides a level of flexibility and customization never before seen - until now. • The GCS Analyst team utilizes the ARMZ product to determine the credit risk rating and GCS Score for each company under review. In fact, we have continued to expand our coverage as a result of the productivity gains we have realized. GCS also factors into all its risk ratings S&P and Moody's ratings for added insight. This adds greater precision to all our financial ratings and scores. • For a demonstration of ARMZ and our Credit Insight Services, simply contact you Account Executive or send your request to info@globalcreditservices.com.

GCS Services Full Solution Risk Management ARMZ Global Credit Services is revolutionizing the credit industry with the launch of its "Automated Risk Management Zone (ARMZ)", a full-solution credit scoring application that empowers senior managers to monitor and control credit exposure and overall corporate risk at specific sector, industry, and company levels. ARMZ is a turn-key, risk management solution that provides a level of flexibility and drill-down transparence never before seen - until now. Premium Insights GCS will be unveiling Premium Insights in the 2nd quarter of 2006. In addition to expanded public and private company coverage, this upgrade to our current Credit Insight service will provide much more sector and industry focus including Peer to Peer Benchmarking, Special Industry Reports, and enhanced Custom Research Tools. As well, Premium Insights subscribers will have access to monthly and quarterly Web-ex conference calls where our team of Industry Analysts will present specific company reviews and respond to client questions. Credit Insight Services For ten years now, Global Credit Services has been using cutting edge web-based technology to deliver clients the most current, accurate, and insightful business credit information available on U.S. and International companies. From Credit Advisory Services to a full line of Risk Management Solutions, GCS provides the required information to make sound credit decisions and the front-end applications to manage overall day-to-day corporate risk and exposure. Automated Trade Scoring Solution With the introduction of TradeZone, Global Credit Services has delivered an industry solution to managing credit risk and exposure for companies that have high volumes of trade accounts that may not warrant or involve a full financial statement review. Trade Zone is an Automated Trade Scoring that not only provides the flexibility to analyze trade accounts using a variety of payment history parameters, but also allows users to integrate external third-party information and scores into an overall TradeZone Composite Score.