B 1 1 Customer Credit Analysis C D E F G $ Current Credit Limit 9,000 S 39,000 75,000 33,000 Previous Year's Sales Current Year's Sales 15,382 $ 11,952 $ 10,033 7.789 60,009 55,342 35,039 50,921 Past Due Balance 0 0 13,892 495 2 Customer Name 3 Athletic Gear Corp. 4 Baltimore O's 5 Baseball & More 6 Canadian Ski Club 7 Concord Pro Shop 8 Everything Golf 9 Lake Pro Shops 10 Mars Dept. Store 11 RG Bradley 12 RX for Sports 13 School Sports Supply 14 Ski World 15 Sneaker Kingdom 16 Sports & Stuff 17 Toy Kingdom 18 Under the Sea 19 US Olympic Team 20 WWW Sports Inc. 21 Zip & Sons 25,000 42,000 27,000 46,000 15,000 45,000 26,000 45,000 15,000 22.000 45,000 20,000 100.000 10,000 15,221 80,498 35.354 90,970 5,663 50,278 25,864 40,157 15,898 10,073 95,411 5,621 60,009 15,490 9,483 81,126 20,666 18.343 3,014 32,338 28,154 25.379 14,732 1,047 64,418 6,171 60,354 22,760 2,899 0 0 0 0 0 0 0 14,383 D 0 0 0 O 0 Net Worth 450,000 1.950.000 37,500,000 1,650,000 10,000,000 1,250,000 2,100,000 213,000 2,300,000 750,000 2.250.000 300,000 2,250,000 450.000 1.100,000 150,000 1,000,000 500,000,000 620,000 D&B Credit Ratin BA 3A 4A BA 4A BB 2A 3A BA 3A BA CB 3A 5A 1A H K L M 1 N Rulo#1 Rule#2 Rule#3 Final Recommendation 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 D&B Composite Credit Appraisal (1 Best) 4 1 2 2 1 3 2 3 1 1 3 2 2 1 3 3 4 4 1 2 2 D&B PAYDEX (100 Best) 15 51 70 43 91 76 87 94 21 59 91 82 71 67 14 79 87 97 96 D&B Stress Risk Class (1 Best) 3 1 1 1 1 1 1 1 1 1 1 1 1 1 1 2 1 1 Add formulas in cells highlighted in blue Rule #1: Display TRUE for a customer that has a past due balance that is less than 18% of this year's total sales, otherwise FALSE. Rule #2: Display TRUE for a customer that has either a composite credit appraisal value of 1or a PAYDEX score over 70, otherwise FALSE Rule #3: Display TRUE for a customer that has all of the following: a net worth of at least $500,000; a composite credit appraisal value of 2 or lower, a PAYDEX score over 80: and a stress risk class of 1, otherwise FALSE For Final Recommendation (col N): 1. Automatically reject If none of the approval rules are met. 2. Suggest a further evaluation if one of the following rules are met: 1) TRUE for only Rule #3 ii) A FALSE value for Rule #3, and TRUE for a) either Rule #1 or Rule #2 b) or both Rule #1 & Rulo #2 3. Automatically accopt if TRUE for Rule #3, and: i) TRUE for only Rule #1; i 1) TRUE for both Rule #1 and Rule #2 B 1 1 Customer Credit Analysis C D E F G $ Current Credit Limit 9,000 S 39,000 75,000 33,000 Previous Year's Sales Current Year's Sales 15,382 $ 11,952 $ 10,033 7.789 60,009 55,342 35,039 50,921 Past Due Balance 0 0 13,892 495 2 Customer Name 3 Athletic Gear Corp. 4 Baltimore O's 5 Baseball & More 6 Canadian Ski Club 7 Concord Pro Shop 8 Everything Golf 9 Lake Pro Shops 10 Mars Dept. Store 11 RG Bradley 12 RX for Sports 13 School Sports Supply 14 Ski World 15 Sneaker Kingdom 16 Sports & Stuff 17 Toy Kingdom 18 Under the Sea 19 US Olympic Team 20 WWW Sports Inc. 21 Zip & Sons 25,000 42,000 27,000 46,000 15,000 45,000 26,000 45,000 15,000 22.000 45,000 20,000 100.000 10,000 15,221 80,498 35.354 90,970 5,663 50,278 25,864 40,157 15,898 10,073 95,411 5,621 60,009 15,490 9,483 81,126 20,666 18.343 3,014 32,338 28,154 25.379 14,732 1,047 64,418 6,171 60,354 22,760 2,899 0 0 0 0 0 0 0 14,383 D 0 0 0 O 0 Net Worth 450,000 1.950.000 37,500,000 1,650,000 10,000,000 1,250,000 2,100,000 213,000 2,300,000 750,000 2.250.000 300,000 2,250,000 450.000 1.100,000 150,000 1,000,000 500,000,000 620,000 D&B Credit Ratin BA 3A 4A BA 4A BB 2A 3A BA 3A BA CB 3A 5A 1A H K L M 1 N Rulo#1 Rule#2 Rule#3 Final Recommendation 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 D&B Composite Credit Appraisal (1 Best) 4 1 2 2 1 3 2 3 1 1 3 2 2 1 3 3 4 4 1 2 2 D&B PAYDEX (100 Best) 15 51 70 43 91 76 87 94 21 59 91 82 71 67 14 79 87 97 96 D&B Stress Risk Class (1 Best) 3 1 1 1 1 1 1 1 1 1 1 1 1 1 1 2 1 1 Add formulas in cells highlighted in blue Rule #1: Display TRUE for a customer that has a past due balance that is less than 18% of this year's total sales, otherwise FALSE. Rule #2: Display TRUE for a customer that has either a composite credit appraisal value of 1or a PAYDEX score over 70, otherwise FALSE Rule #3: Display TRUE for a customer that has all of the following: a net worth of at least $500,000; a composite credit appraisal value of 2 or lower, a PAYDEX score over 80: and a stress risk class of 1, otherwise FALSE For Final Recommendation (col N): 1. Automatically reject If none of the approval rules are met. 2. Suggest a further evaluation if one of the following rules are met: 1) TRUE for only Rule #3 ii) A FALSE value for Rule #3, and TRUE for a) either Rule #1 or Rule #2 b) or both Rule #1 & Rulo #2 3. Automatically accopt if TRUE for Rule #3, and: i) TRUE for only Rule #1; i 1) TRUE for both Rule #1 and Rule #2