2. © 2005 CRIF The right people for you

3. © 2005 CRIF CRIF for banking and financial institutions CRIF is one of the main international groups specialized in the development and management of credit reference agency and decision support systems for the retail credit markets CRIF is leader in Italy, with over 440 client banks and financial institutions and 85% of Italian branches connected daily online connected daily online with its services

4. © 2005 CRIF CRIF for companies CRIF provides on international scale business and commercial information services for the credit and marketing management and advanced systems for database processing and information integration. Today CRIBIS.it's services are used every day by over 14,000 Italian, European and American companies and more than 330 Italian banking and financial institutions

5. © 2005 CRIF CRIF companies worldwide Bologna Prague (Czech Republic) Bratislava (Slovak Republic) Milan London(GB) Tampa (USA) Mexico City (Mexico) Moscow (Russia)

6. © 2005 CRIF The right solutions for you Credit Reporting (Individuals and SMEs) Business and financial information (Company profiles, Financial data, Judgements, etc.) Business Intelligence and decision support systems (Scoring and Rating) Software and Processing services for management Collection - Information Planning & Development Customer Acquisition Portfolio Management Debt Collection

7. © 2005 CRIF The right solutions for you: Planning & development Consultancy, models and systems for credit cards Strategic Card Management Geomarketing via the web Marketmanager.it Contact Center by CRIBIS Teleservice Personalized report from CRIF's Credit Bureau data Executive summary Publications and surveys Retail Credit Survey Small Business Finance Survey Observatory on Credit Cards Fraud Survey Scoring models Pre-screening and targeting TargetScore. Targeting Business Target Predictive Score of Company Potential Growth Credit Gage Internal rating Internal Rating Systems Planning & Development

8. © 2005 CRIF Decision engines and software for Customer Relationship Management StrategyOne Credit Flow Internal Rating Internal Rating System; Worldwide Business Information Services SkyMinder Consultancy, models and systems for the world of credit cards Strategic Card Management Application processing services Sprint - Sprint Business - First Sprint Web Application Processing Sprint Rating Business Rating Navigation Software and interfaces Navigator ICREF Closed User Group Information Exchange CMS Pool Information reports on Italian companies Link Report EURISC CRIF Credit Protection Bureau European Credit Reporting Network Eurisconnect Credit anti-fraud systems Fraud Analyser Predictive Score of Company Potential Growth Credit Gage Contact Center Services (by CRIBIS Teleservice) Insurance fraud detection systems CACHE (CRIF Application for Claim History Exchange) Integrated reports on Italian individuals and sole proprietorships Report Persona Scoring models Credit Bureau Scoring Application Scoring The right solutions for you: Acquisition Customer Acquisition

9. © 2005 CRIF The right solutions for you: Portfolio Management Scoring Models Credit Bureau Scoring Early Collection Scoring Propensity Scoring Potentiality Scoring Cross-Selling Scoring Information services on Italian individuals, companies and real estate CRIBIS.it Information reports on Italian companies Link Report Integrated reports on Italian individuals and sole proprietorships Report Persona Statistical reports on credit bureau data Executive Summary Geomarketing & portfolio monitoring via web Performetrics.it Creditminer.it Marketmanager.it Granted credit management Portfolio Explorer Dealer evaluation & monitoring Dealerview.it Financial promoters' monitoring Sonar Contact Center Services by CRIBIS Teleservice Closed User Group Information Exchange CMS Pool Decision engines & software for Customer Relationship Management StrategyOne Internal Rating Internal Rating Systems Consultancy, models and systems for credit cards Strategic Card Management Portfolio Management

10. © 2005 CRIF The right solutions for you: Debt Collection Scoring models Credit Bureau Scoring Collection Scoring Extrajudicial management of default credit by CRIBIS Teleservice Legal services for real estate management Cribis Legal Debt Collection