Products and servicesto meet your needs

About Euler Hermes ACI

Euler Hermes ACI is North America’s oldest and largest providerof accounts receivable insurance, with local offices across the US, Canada and Mexico. Euler Hermes ACI is a member of the Euler Hermes Group, the world’s premier credit insurer. With 6,000employees, Euler Hermes’ risk management presence spans five continents and more than 30 countries. In most of these countries,it is the number one or number two credit insurer in the market.

Euler Hermes ACI provides credit management solutions forsmall, medium and large companies in all industries. Creditinsurance from Euler Hermes ACI can help you trade with confidence, providing valuable protection against the consequences of domestic or overseas customer insolvencyand non-payment.

When you insure your accounts receivable with

Euler Hermes ACI, you can:

• Achieve financial objectives more confidently

• Safely expand sales

• Secure better borrowing terms

• Reduce bad-debt reserves

• Avoid catastrophic bad-debt losses

Before doing business with anyone else,

it pays to do business with us

Business Advantage policy

Protection designed for you

Product highlights

• Designed for administrative ease of use

• Ongoing account monitoring provides early warning of

potential credit risks

• Protection against customer insolvency and non-payment

• On-line policy management system, EOLIS, makes policy

management simple and convenient

• Obtain better financing terms and borrow more working

capital by offering lender insured receivables as collateral

• Debt collection services included in policy

• Ability to increase sales to new and existing customers

Euler Hermes ACI’s Business Advantage policy is designed for companies who sell within North America (United States andCanada) and have annual sales less than $10 million. Accountsreceivable insurance from Euler Hermes ACI is an efficient, cost-effective way to control credit risk and safely increase sales.This accounts receivable coverage ensures you will get paid ifany of your covered accounts in North America become insolvent, are slow to pay, or are otherwise unable to pay.

Domestic Markets policy

Reduce overall business risk by

insuring one of your largest assets

Accounts receivable are the most vulnerable tounexpected losses, but are typically the only majorasset left uninsured.

Whether you are a small, mid-size or large company,Euler Hermes ACI’s industry-specialized underwriterscan provide tailored risk management solutions.

If you sell only in the United States and Canada, the Domestic Markets product is for you. The DomesticMarkets policy is an efficient, cost-effective way to control your credit risk and safely increase sales. This coverage ensures you will get paid if any of yourcovered accounts in North America become insolvent, are slow to pay, or are otherwise unable to pay.

Product highlights

• Protection against catastrophic

bad-debt losses

• Pre-approved coverage for

large accounts – discretionary

coverage on other accounts

• Ongoing account monitoring

provides early warning of

potential credit risks

• Low-maintenance policy

with instant, secure access

via the Internet

• Sell safely to new and existing

customers

• Secure better financing terms

and borrow more working

capital by offering your

lender insured receivables

as collateral

Multi-Markets policy

A tailored plan for worldwide protection

Multi-Markets credit insurancefrom Euler Hermes ACI is designedfor North American companies thatwant to cover commercial and political risks on their domesticand export sales. The Multi-Marketspolicy is a simple, reliable way toinsure both domestic and exportaccounts receivable in one comprehensive policy.

Euler Hermes ACI’s Multi-Marketspolicy provides protection againstnon-payment, slow payment andinsolvency caused by losses due to commercial or political events.

Region-specific underwriterswill work in conjunction with you to support your credit decisionsthrough access to Euler Hermes’database with proprietaryinformation on more than 40 million companies worldwide.

A Multi-Markets policy can

benefit your company if you:

• are expanding into marketsabroad and looking for a wayto secure payment on domesticaccounts, but recognize thatpolitical risk for foreign customersis just as great as the risk ofinsolvency

• have credit insurance on your export accounts but want thatsame protection for your domestic accounts

• hold separate domestic and export policies with differentinsurers, but would prefer a single, seamless policy

Product highlights

• Comprehensive policy protects against commercial and political

risks in 160 countries worldwide

• Safely expand sales to existing or new, foreign buyers

• Instant, secure access to policy information via the Internet

• Ability to obtain better financing terms and borrow more working capital

• Cheaper, quicker and easier than letters of credit

• Pre-approved coverage for large accounts. Discretionary coverage

on other accounts

• Ongoing account monitoring provides early warning of potential credit risks

International policy

Tailored program to meet your

individual needs

Product highlights

• Highly tailored program to meet your company’s specific needs

• Flexible program; common worldwide structure or varying local terms

• One worldwide policy available in five languages

• Local in-country and regional service by Euler Hermes companies in more

than 30 countries around the world

• Risk management offices across the globe

• Ability to manage policy on-line

• Underwriting supported by database with proprietary information on

more than 40 million companies worldwide

If your company is a multi-national business, the International policycan seamlessly optimize and simplify your risk management efforts. AnInternational policy is more cost effective than having separate policiesin each country.

Euler Hermes ACI’s multi-national sales and service team will work withyou to create a customized policy that meets your company’s specificneeds. You will receive the highest quality services in risk prevention,recovery of bad debts and payment of claims.

As an International customer, you will have a single point-of-contactat Euler Hermes ACI to help you manage your policy, which is available infive languages and the currencies of your choice. When your subsidiariesneed assistance in other countries, a local Euler Hermes company will bethere to assist. You and your subsidiaries will benefit from a global view of total group exposures, and as a result, simpler control of risks.

EOLIS, on-line policy management system

Fast, easy policy access

Euler Hermes ACI provides its clients and business partnersinstant, secure access to policy information via the Internet,including the ability to obtain online coverage decisions.

Quick coverage decisions help Euler Hermes ACI policyholderssell more competitively without the credit risk. Connecting toEOLIS enables policyholders to:

• Fulfill new orders without delay by getting your request for coverage on new or existing customers answered quickly

• Check current policy coverage and decision reports

• Submit claims on-line and access updates on claimsactivity at any time

• Enjoy e-mail access to their Euler Hermes ACI agent and Client Service Team members, including Underwriting, Claims and Billing department personnel

• View EOLIS in four different languages, including English, French, Spanish, and German.

Claims and collections services

Get paid for what you sell

When you insure youraccounts receivable with Euler Hermes ACI, you cancount on being paid for whatyou sell, even if one of yourcovered accounts suddenlyfaces insolvency or isotherwise unable to pay.

Credit insurance from Euler Hermes ACI complements your creditmanagement processes toprotect your company from the impact of unanticipatedcredit loss or accountinsolvency. As a unique policyfeature, Euler Hermes ACI provides coverage for preference claims.

Whether your company isa small, medium or large business, Euler Hermes ACI is dedicated to helping youthrough the claims and recovery process.

Dedicated Claims Units

The Claims Group withinEuler Hermes ACI is segmentedto help large policyholdersand first-time claims filers.This enables us to provideworld-class customer serviceat the least cost to our customers.

The Large Claims unithandles all pre-claim activity,large losses, and all claims forour larger policyholders. Thisunit allows us to concentrateon the high value claims thathave the greatest impact oncustomers and to provide customized services. Similarly,the First-Time Claim Unithelps first-time filers receivespecialized training to resolvetheir claim.

The Claims Group iscommitted to handling claimsquickly and efficiently so asto help take the worry out ofmanaging unexpected insolvencies and past due situations. Our recoveryperformance is better thanindustry norms.

Collecting non-covered claims

Euler Hermes ACI CollectionServices, Inc. (Euler HermesACS), a wholly owned subsidiary of Euler Hermes ACIHolding Inc., provides clientswith the highest quality, professional global commercialrecovery service available.

When Euler Hermes ACI customers need commercialcollection services for non-covered claims, theyturn to Euler Hermes ACS.Collection fees for EulerHermes ACI customers are afraction of competitors’ fees.And through the help of theEuler Hermes worldwide network, Euler Hermes ACScan collect overdue accountsreceivable from debtorsregardless of their location.

Euler Hermes ACI800 Red Brook BoulevardOwings Mills, MD 21117Tel 877-883-3224Fax 410-753-0952www.eulerhermes.com

Eastern US

Baltimore, MD877-909-3224

New York, NY

877-905-3224

Central US

Chicago, IL877-904-3224

Atlanta, GA

877-884-3224

Western US

Los Angeles, CA877-901-3224

Dallas, TX

800-527-0346

Canada

Montreal, PQ877-509-3224

Toronto, ON

877-511-3224

Mexico

Mexico City52-55-5520-0101

North American Offices