Benefits of Participating in our Trade Receivable Program

When you participate in our Trade Receivable Program you will receive the following benefits (follow screen shots in the following pages):

• Access to all contributors' trade experiences, complete confidentiality provided
• Your accounts matched to our database of Suits, Liens, Judgments and Bankruptcies, an invaluable alert tool
• Address Standardization -- identify/correct invalid customer addresses -- returned mail minimized, potential frauds highlighted
• Get complete 9 digit zip codes for your customers, speed mailings, save on bulk mail expenses, critical to SAP and other ERP systems conversions
• Customized rollups for multiple unit companies
• Summary and detail level A/R views provided

Instructions for Accessing the Site

Note security of customer information is a top priority. CreditRiskMonitor.com understands that customer trust is built over time, and that even a minor infraction can destroy months of hard work. CreditRiskMonitor.com treats user data as a valuable asset and builds its services on industry standard technologies that offer the highest levels of security.

1. Site location link to be provided by CreditRiskMonitor.com with User Name and Password
2. When you click on the specific link provided you would be prompted to enter the User Name, Password, and Domain. For the Domain field you enter “CRM2000”. If you are not prompted for the Domain then enter “CRM2000\username”, where “username” is the username that was provided to you.

Sharing Trade Receivables Data with CreditRiskMonitor.com

Sending Data

You can send your trade receivables data to us in whatever way is most convenient for you.

• Email: Trade data files may be emailed directly to us at TradeData@CreditRiskMonitor.com. If you already email data files to credit reporting agencies or trade credit groups, then just add our address to the CC list and we'll take it from there.
• FTP: Many providers find it easiest to have their IT departments set up an automated monthly "push" of trade data files to us via File Transfer Protocol (FTP). If you would like use FTP, please call or email Domenic Graziosi for details:

Domenic Graziosi
CreditRiskMonitor.com
516-620-5400 ext 342
DomenicG@CreditRiskMonitor.com

• Mail: Whenever possible, we prefer to receive your data in electronic format, since we can process it and load it into our database more quickly. If it is easier for you to produce physical media (tapes, cartridges, diskettes, etc.), however, then please send them to the following address.

Trade Data Processing Department
CreditRiskMonitor.com
704 Executive Boulevard
Suite A
Valley Cottage, NY 10989

File Formats

We can handle your trade data in just about any electronic form that is convenient for you to produce. If you already provide trade receivable data to D&B, Experian, an industry credit group or any other entity we can accept your information in that same format. If you do not currently export these records or have the flexibility to change the layout for us then our preferred file formats and data elements are described below.

• Fixed-Field Format: A number of our trade providers give us simple flat files with fixed-length records, with or without carriage returns at the end of each record. Often, fixed-field formats are the easiest for legacy A/R systems to create. If you elect to send your data in fixed-field format, we will also need a one-time description of the file layout, so that we can tell where the various fields start and end in your data file.
• Delimited Format: In the delimited formats, each field is separated from its neighbor by a delimiter character, typically comma or tab. When a field needs to use the delimiter charcater, that field is enclosed in double quotes. The most popular variation is Comma Separated Values (CSV) format, which is also sometimes known as comma-delimited, but we can handle files that use virtually any delimiter character. In all delimited formats, the order of the values is used to determine which value represents which field. Most often, delimited formats include a list of "headers" (field names) as the first line in the file. If you send us delimited format data files that do NOT have a header line, we will need you to supply us with a one-time list that specifies the names of the fields that you produce, in the order that they will appear in each line of the data files that you produce.
• XML Format: If you have a newer A/R system that is capable of extracting data into XML format, we can process it easily. XML is self-documenting, so all we need is the XML file itself. If you are creating a new XML stream from scratch, the simplest thing for us would be for you to use the exact field names (without embedded spaces, of course) listed in the table below.
• Other Formats: If you can't deliver your trade receivables data in any of the above formats, then send it to us in whatever format you have. We'll analyze it and determine whether we can process it successfully or not.

Data Elements

Data Fields	Critical?	Description
Account Number	Critical	Your own A/R account number, used by us internally to match up records received from you from one month to another. This information is used for internal matching only and is never disclosed to our customers.
Company Name Street Address City State Zip Code	Critical	The name and address of your customer, used by us to match your records up with records from other trade providers. To match, we need at least the company name and one line of street address, plus either city and state or zip code. Zip codes may be either 5 or 9 digits long.
Country	Optional	Addresses are assumed to be in the United States unless you supply an explicit Country name or code. ISO country codes are preferred, but we will take whatever country information you have and convert it.
Phone Number Fax Number Email Address Web Site URL D-U-N-S Number Federal Tax Id	Optional	Identifying fields that, if you have them, are also used in matching your records to those of other trade providers. These are less critical than the basic name and address information, but the more identifying data we have the better job we can do on matching and searching.
Date of First Sale Number of Years Sold	Optional	Either of these indicate how long this company has been your customer.
Industry Code	Optional	The SIC or NAICS code that best describes this customer's line of business.
Date Reported	Optional	If convenient, you can embed the date of the data extract into each record you send to us. If not, we will add the date each month when we get your data.
Date of Last Sale	Optional	The date of your most recent sale to this customer.
Terms	Optional	A simple textual description of the selling terms for this customer (e.g., "Net 30")
Payment Experience	Optional	A textual description of how quickly this customer pays (e.g., "Prompt")
Average Days Pay	Optional	The average number of days it currently takes for this customer to settle an invoice.
Credit Limit	Optional	This customer's current credit limit.
High Credit	Optional	The highest credit that has actually been extended to this customer.
Current Amount	Optional	The amount that this customer currently owes, excluding any past due amounts.
Past Due 1 to 30 Days Past Due 31 to 60 Days Past Due 61 to 90 Days Past Due 91 to 120 Days Past Due 121 to 180 Days Past Due 181 to 360 Days Past Due More Than 360 Days	Optional	These fields specify aged past due amounts for different time frames. We recognize that different providers use different aging buckets. Just tell us what your buckets are and we will map your aging buckets into ours.
In Dispute	Optional	Indicates dollar amounts that have been disputed by the customer.
Total Receivables	Optional	Indicates the total owed by this customer including both current and past due amounts.
Comment	Optional	A simple text field with notes about this customer.

Inactive Accounts: You do not need to eliminate inactive accounts from your feed to us. We detect inactive accounts and do not load monthly experiences from them. (Monthly experiences must have a High Credit, or a Current Amount, or one or more Past Due amounts in order to be considered active.) We do load and maintain the basic account information for inactive accounts so that they are included in our matching and searching.

Non-U.S. Addresses: We will accept and store information on accounts with addresses outside the United States. While we currently do not process such accounts through our matching, we plan to begin doing so in the near future, especially for Canadian addresses.

Number Formats: All money values are stored as whole dollar amounts in our data base. If you send us dollars and cents, we will round to whole dollars as appropriate. Some providers send us data that states the dollar amounts in hundreds or thousands or dollars. Just let us know if you do this so that we can adjust the amounts appropriately before we store them in our data base.

Character Sets: We prefer ASCII because it allows us to skip a conversion step and speeds up the process of getting your data into our data base, but we can take non-ASCII character sets (such as EBCDIC) if that's all you have.

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