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CreditBuilder with Credit Comparison PackQuick Start GuideTM1

Table of ContentsGETTING STARTED. 3D&B SCORES. 17Logging in. 3Your Company’s Scores and Ratings. 17Adding Your Company or Registering. 4D&B PAYDEX Score. 18Resetting Your Password. 4D&B Delinquency Predictor Score. 18Updating Account Information. 5D&B Financial Stress Score. 19Changing Your Password . 5D&B Supplier Evaluation Risk Rating. 19Updating Payment Methods. 6D&B Credit Limit Recommendation. 20Returning to Dashboard. 6D&B Rating. 21Printing a Page. 7D&B Viability Rating . 22Downloading a PDF. 7COMPANY UPDATE. 8Your Company’s Payment Summary. 23Updating Your Company Information. 9Your Company’s History andBackground Information. 24HOW IT WORKS. 10Your Company’s Public Filings. 25Trade References. 10Your Company’s Financial Information. 26Submitting Trade References. 11Your Company’s Special Events. 27Inquiries. 11Your Company’s Branchesand Subsidiaries. 27Peers. 12Adding Peers. 12CreditReporterTM Mobile App. 13Credit Comparison Pack. 14Adding Reports. 15Your Company’s Alerts. 16Managing Alerts. 162OTHER FEATURES. 23

Welcome to CreditBuilderTM with Credit Comparison Pack, the credit solution that gives you controlover your business credit file and lets you evaluate your suppliers, partners, and competitors. WithCreditBuilder, you can submit good payment history* and dispute inaccurate information that could bereported to lenders, vendors, insurers, and potential partners looking to do business with your company.Your data is reported by Dun & Bradstreet, Inc. (D&B ), the world’s leading source for business credit,GETTING STARTEDGetting Startedand then benchmarked against your industry and competitors, providing you valuable insight to helpLOGGING IN1. Go to www.DandB.com2. Click on Login in the upper right corner of the page.COMPANY UPDATEyou protect and grow your business.3. Enter your email address and password and click LOG IN. If you purchased your product over thelog in, you’ll be prompted to choose a new password.4. You will be taken to your Dashboard. Make sure the My Companies tab is selected in blueunder Dashboard and that you have added your company. See page 4 to add or registeryour company.HOW IT WORKSphone, your temporary password was sent to your email. Once you use the temporary password to5. Click VIEW REPORT to view your CreditBuilder.D&B SCORESOTHER FEATURES*NOTE: Trade References will be added subject to D&B verification and acceptance. Please see http://www.dandb.com/glossary/trade-references/ for eligibility,process and other information regarding Trade References.3

GETTING STARTEDCOMPANY UPDATEHOW IT WORKSADDING YOUR COMPANY OR REGISTERING FOR A D&B D-U-N-S NUMBERTo view your report, you will need to submit your business information.1. From your Dashboard, click Click Here.2. Search for your company by choosing either SEARCH D&B or CONNECT to QuickBooks.NOTE: If you can’t find your company, you can add your company by registering for a D-U-N-SNumber. You will need to fill out a Business Registration form. It may take up to 5 business days toreceive your D-U-N-S Number.RESETTING YOUR PASSWORDOTHER FEATURESD&B SCORES1. On the Sign In page, click Forgot Your Password?42. Enter your email address and click CONTINUE. A new temporary password will be sent toyour email.3. Log in to your account using the temporary password.4. Upon logging in, you will be prompted to update your password.NOTE: Your password must be at least six characters. It must contain at least one letter and at leastone number.5. Fill in all required fields and click UPDATE.

In the Account Settings section, you can update your personal information and manage your paymentmethods. You can also change your password, add payment methods, and view your purchase history.1. Click Welcome, Name in the upper right corner of the page and select Account Settings.2. Update the fields you wish to change and click UPDATE.GETTING STARTEDUPDATING ACCOUNT INFORMATIONCOMPANY UPDATE1. Click Welcome, Name in the upper right corner of the page and select Account Settings.2. In the Account Settings page, click Change Password.HOW IT WORKSCHANGING YOUR PASSWORD3. Type your new password.4. Retype your new password and click UPDATE.D&B SCORESNOTE: Your password must be at least six characters. It must contain at least one letter and at leastone number.OTHER FEATURES5

GETTING STARTEDUPDATING PAYMENT METHODSIn the Payment Methods section, you can update your payment methods, remove your paymentmethods, and view your product payment history.1. Click Welcome, Name in the upper right corner of the page and select Account Settings.NOTE: Payment History does not allow changes. By clicking Payment History you will only beable to print.D&B SCORESHOW IT WORKSCOMPANY UPDATE2. Under the Payment Methods on File section, select Update, Remove, or Payment History.RETURNING TO DASHBOARDOTHER FEATURES1. Click Welcome, Name in the upper right corner of the page and select Dashboard.6

1. From your CreditBuilderTM Summary page, click Print under the “Need Help? Start Here” button. Anew window will appear.NOTE: You may need to change your browser settings to enable pop-ups.2. Click Print in the new window. The print dialog window will display. Click Print.DUNS:00-000-0020Live Report: 9/10/20151234 S. MainstreetAny City, CA 91506Phone:1(234)567-8910DUNS:00-000-00201. From your CreditBuilder Summary page, click Download PDF under the “Need Help? Start Here”button. The PDF file will open in a new window.NOTE: You may need to change your browser settings to enable pop-ups.D&B SCORESDOWNLOADING A PDFHOW IT WORKSSample CompanyCOMPANY UPDATESample CompanyGETTING STARTEDPRINTING A PAGE2. You can save or print from this new window.DUNS:00-000-0020Live Report: 9/10/20151234 S. MainstreetAny City, CA 91506Phone:1(234)567-8910OTHER FEATURESSample Company7

GETTING STARTEDCOMPANY UPDATEHOW IT WORKSD&B SCORESOTHER FEATURES8Company UpdateWith Company Update, you can establish your D&B credit file and dispute inaccurate information.You can access Company Update by clicking Update Company Info in the Company Info section of theSummary page, clicking Update Company Info on the left menu, or clicking Tools on the left menu,then clicking Update Company Info. You will be taken to the Company Update portal, whichwill allow you to update pertinent company information.Sample CompanyDUNS:00-000-0020Live Report: 9/10/20151234 S. MainstreetAny City, CA 91506Phone:1(234)567-8910

1. Click Welcome, Name in the upper right corner of the page and select Company Update.2. Click Get Started to begin.3. Enter your company’s business name, city, and state, then click Search. Select the correct company,GETTING STARTEDUPDATING YOUR COMPANY INFORMATIONthen click Submit.click Next.5. In order to protect your company’s data, you may be asked to answer a few questions to confirmyour identity.COMPANY UPDATE4. Select or type the required contact and company information in their respective fields, thenHOW IT WORKSD&B SCORESat 800-248-7107. A trained Credit Advisor will be happy to take your information and submit itfor processing.OTHER FEATURESIf you experience problems using the Company Update portal, please contact Dun & Bradstreet9

GETTING STARTEDCOMPANY UPDATEHow it WorksYour CreditBuilderTM gives you control over your business credit file. It allows you to submit goodpayment history,* benchmark your company against competitors, and receive alerts when anotherbusiness purchases your business credit file.**TRADE REFERENCESTrade References* allow you to impact your Dun & Bradstreet credit scores by reporting the positivetrade experiences (good payment history) you have with your partners, lenders, and suppliers.Trade References can appear on your business credit file and reflect how quickly you pay your bills.You can submit new Trade References for acceptance based on the number of Trade References youhave available.OTHER FEATURESD&B SCORESHOW IT WORKSSample Company10DUNS:00-000-0020Live Report: 9/10/2015Sample CompanyDUNS:00-000-0020Live Report: 9/10/2015*Trade References will be added subject to D&B verification and acceptance. Please see http://www.dandb.com/glossary/trade-references/ for eligibility, processand other information regarding Trade References.** Inquiries are the number of individual product(s) purchased by a customer(s) on a D&B D-U-N-S Number in a rolling one-year (365 days) time period. Althoughthe specific name of the inquiring customer(s) is not available, your product may allow you to see the inquiring customer’s industry.

1. From your CreditBuilderTM Summary page, click on Trade References on the left menu. The screenwill display the total number of available trade references.2. Click ADD TRADE REFERENCE.GETTING STARTEDSUBMITTING TRADE REFERENCESSearch for a company by choosing one of the two options: SEARCH D&B: Search for the company you would like to add as a Trade Reference byentering the company name and state, D&B D-U-N-S Number, or phone number, andclick SEARCH. Click on the correct company from the search results list and clickSELECT. Enter the company’s contact information for your account and click NEXT.Confirm that the information is accurate and click CONFIRM. CONNECT TO QuickBooks: Search for the company you would like to add as a TradeReference and click ADD TRADE REFERENCE. Click on the correct company from thesearch results list and click SUBMIT.3. Your Trade Reference screen will then show the Trade Reference you have submitted and its status.NOTE: If you use all your available Trade References, you can purchase more at any time by clickingPurchase More on the Trade References page.Inquiries are the number of individual product(s) purchased by a customer(s) on a D&B D-U-N-S Number in a rolling one-year (365 days) time period. Although the specific name of the inquiringcustomer(s) is not available, your product may allow you to see the inquiring customer’s industry.D&B SCORESINQUIRIESHOW IT WORKSCOMPANY UPDATEFrom your CreditBuilder Summary page, click Inquiries on the left menu. If you have added peerOTHER FEATUREScompanies to your CreditBuilder, you can also see information on inquiries made on your peers.11

CreditBuilderTM is designed to not only keep you abreast of your scores and ratings, but also to enableyou to better understand how your scores or recent trends compare to those of your peers. By addingpeer companies, you can easily benchmark your key scores, ratings, and if available, key financial ratiosagainst other companies. The Peers feature also allows you to receive alerts on your peers’ specialevents, score changes, and inquiries.*HOW IT WORKSCOMPANY UPDATEGETTING STARTEDPEERSSample CompanyDUNS:00-000-0020Live Report: 9/10/2015ADDING PEERSD&B SCORES1. From your CreditBuilder Summary page, click Peers on the left menu. The screen will display thetotal number of available peers.2. Click ADD PEERS.3. Search for the company you would like to add as a peer by entering the company name and state,D&B D-U-N-S Number and country, or phone number, and click SEARCH.OTHER FEATURES4. Click on the correct company from the search results list and click SELECT.5. Click CONFIRM to add the company.6. Your Peers screen will then show the peer you have added.NOTE: If you use all your available peers, you can purchase more at any time by clicking PurchaseMore in the Peers page.* Inquiries are the number of individual product(s) purchased by a customer(s) on a D&B D-U-N-S Number in a rolling one-year (365 days) time period. Althoughthe specific name of the inquiring customer(s) is not available, your product may allow you to see the inquiring customer’s industry.12

CreditReporter, Dun & Bradstreet’s mobile application, gives you 24/7 access to monitor your businesscredit product from your mobile dashboard. Immediate alerts are sent to your mobile device whenyour scores change or when others have purchased credit reports on your company.* Credit Advisorsare easily accessible by tapping to call within the application.GETTING STARTEDCREDITREPORTERTM MOBILE APPNOTE: CreditReporter currently only shows your business credit file.Sample CompanySAMPLE COMPANYSAMPLE COMPANYDUNS: 00-000-0020CreditBuilderTMHOW IT WORKSDUNS: 00-000-0020CreditBuilderTMCOMPANY UPDATESample Company805681575315681575D&B SCORES1OTHER FEATURES* Inquiries are the number of individual product(s) purchased by a customer(s) on a D&B D-U-N-S Number in a rolling one-year (365 days) time period. Although thespecific name of the inquiring customer(s) is not available, your product may allow you to see the inquiring customer’s industry.13

Credit Comparison Pack helps you conduct an in-depth evaluation of another company’s short- andlong-term financial stability, determine a company’s overall creditworthiness, and mitigate your risk ofdoing business.OTHER FEATURESD&B SCORESHOW IT WORKSCOMPANY UPDATEGETTING STARTEDCREDIT COMPARISON PACK14Sample Company

Click Welcome, Name in the upper right corner of the page and select Dashboard.2.Make sure the Other Companies tab is selected in blue under Dashboard.3.Click ADD REPORT. The screen will display the total number of available reports.4.Search for the company you would like to add by entering the company name and state,D&B D-U-N-S Number and country, or phone number, and click SEARCH.5.Click on the correct company from the search results list and click SELECT.6.Click CONFIRM to add the company.7.Your screen will then show the company you have added. You can ADD ANOTHER REPORTCOMPANY UPDATE1.GETTING STARTEDADDING REPORTSor VIEW THIS REPORT.HOW IT WORKSD&B SCORESOTHER FEATURES15

GETTING STARTEDCOMPANY UPDATEYOUR COMPANY’S ALERTSAlerts are triggered notifications that help you monitor activity on your company. You can choose whichalerts you would like to receive.MANAGING ALERTS1. From your CreditBuilderTM Summary page, click Alerts on the left menu. You will be shown a list ofthe alerts that have been triggered for your company. If you have added peers, you can see theiralerts from this page as well by clicking on the Peers tab.NOTE: If no alerts have been generated, this window may be blank.2. On the right side of the page, click Alert Settings.3. Choose the alerts you would like to receive. If you have added peers, you can choose the peerHOW IT WORKSalerts you would like to receive by clicking on the Peers tab.4. Click SAVE.OTHER FEATURESD&B SCORESSample Company16DUNS:00-000-0020Live Report: 9/10/2015

Your business’s D&B credit scores help assess your company’s payment ability and financial health.They are both historic and predictive. Some scores are based on events specific to your company,while others combine events specific to your company with factors associated with your company’sgeography and industry. D&B PAYDEX Score D&B Delinquency Predictor Score D&B Financial Stress Score D&B Supplier Evaluation Risk Rating D&B Credit Limit Recommendation Score D&B Rating D&B Viability Rating On the left menu, click Scores and select a score or rating from the dropdown. Alternatively, you canselect a score or rating from the Scores and Ratings section on the Summary page.Sample CompanyHOW IT WORKSYOUR COMPANY’S SCORES AND RATINGSCOMPANY UPDATED&B SCORES AND RATINGS:GETTING STARTEDD&B ScoresDUNS:00-000-0020Live Report: 9/10/2015D&B SCORES1234 S. MainstreetAny City, CA 91506Phone:1(234)567-8910OTHER FEATURES17

GETTING STARTEDD&B PAYDEX SCOREThe D&B PAYDEX Score is a dollar-weighted index. It measures the timeliness of your company’shistorical payments to vendors based on the total number of payment experiences in your D&Bcredit file.NOTE: You need to have at least three payment experiences, verified by Dun & Bradstreet, from atHOW IT WORKSCOMPANY UPDATEleast two different vendors, to establish a PAYDEX Score. For more information on how to help ensureyour payments are reflected in your D&B credit file, see the Trade References section on page 10.D&B DELINQUENCY PREDICTOR SCOREThe D&B Delinquency Predictor Score (formerly the Commercial Credit Score) is a predictive indicatorOTHER FEATURESD&B SCORESof the likelihood your company will pay in a severely delinquent manner (91 days or more past18payment terms). It also provides a predictive indication of the likelihood your company will obtainlegal relief from creditors, or cease operations without paying all creditors in full over the next 12months. The Delinquency Predictor Score is calculated using a statistically valid model derived fromD&B’s extensive data files.

The D&B Financial Stress Score is a predictive indicator of the likelihood your company may experiencefinancial stress over the next 12 months. Financial stress may include ceasing operations withoutpaying all creditors in full, obtaining relief from creditors under state or federal law, or undergoingreorganization. The score uses a full range of Dun & Bradstreet information, including financials,comparative financial ratios, payment trends, public filings, demographic data, and more to help assessGETTING STARTEDD&B FINANCIAL STRESS SCOREthe risk of doing business with your company.COMPANY UPDATEHOW IT WORKSD&B SUPPLIER EVALUATION RISK RATINGThe D&B Supplier Evaluation Risk (SER) Rating helps companies that rely on you as a supplier to predict yourcompany’s potential for business failure in the next year. The SER Rating predicts a business’s likelihood ofD&B SCORESceasing operations or becoming inactive over the next 12 months.OTHER FEATURES19

GETTING STARTEDCOMPANY UPDATEHOW IT WORKSD&B SCORESOTHER FEATURES20D&B CREDIT LIMIT RECOMMENDATIONThe D&B Credit Limit Recommendation is based on both your company’s profile and profiles of othercompanies that are similar in size, industry, and credit usage.Sample CompanyDUNS:00-000-0020Live Report: 9/10/2015

The D&B Rating assesses your company’s size and composite credit appraisal, based oninformation contained in your interim or fiscal balance sheet and an overall evaluation of yourcompany’s creditworthiness.DUNS:00-000-0020Live Report: 9/10/20152015-6-12015-4-222015-3-15HOW IT WORKS2015-6-1COMPANY UPDATESample CompanyGETTING STARTEDD&B RATING2015-2-12015-1-312014-12-12013-10-15D&B SCORES2013-6-12013-2-22OTHER FEATURES21

GETTING STARTEDCOMPANY UPDATEHOW IT WORKSD&B SCORESOTHER FEATURES22D&B VIABILITY RATING The D&B Viability Rating uses Dun & Bradstreet’s proprietary analytics to compare predictive businessrisk indicators and deliver an assessment of the probability that a company will go out of business,become dormant/inactive, or file for bankruptcy/insolvency within the next 12 months. The D&BViability Rating is made up of 4 components: Viability Score Portfolio Comparison Data Depth Indicator Company Profile

YOUR COMPANY’S PAYMENT SUMMARYThe Payments Summary section enables you to view how your company pays vendors and meetscertain fin