Major benefits of a credit insurance program: 1. Protect domestic and/or export receivables against unexpected losses. 2. Allow an increase in borrowing capacity as the previously ineligible receivables can be added to the "eligible borrowing base." 3. Often safely increase sales to existing and new customers. Very often our clients are concerned about significant credit risk and will limit sales, or even refuse sales. In addition, clients may not want to deal with Letters of Credit. By transferring this credit risk to an insurance company - sales can be increased safely. 4. Provide needed credit information on "marginal" debtors. Sometimes our clients can not obtain enough information to base a credit decision. Represents all five major carriers: Eximbank, Euler, Coface, FCIA, Atradius.