MIRA INFORM REPORT

Report Date :

28.12.2007

IDENTIFICATION DETAILS

Name :	FOREVER GRANITE

Registered Office :	3819 Center St, Tacoma, Wa 98409-3123

Country :	United States

Date of Incorporation :	06/2005

Legal Form :	Limited Liability Company

Line of Business :	Lumber & Other Building Materials - RETAIL

RATING & COMMENTS

MIRA’s Rating :

RATING		STATUS	PROPOSED CREDIT LINE
41-55	Ba	Overall operation is considered normal. Capable to meet normal commitments.	Satisfactory

Status :	Satisfactory

Payment Behaviour :	Regular

Litigation :	Clear

Executive Summary

Intelliscore for FOREVER GRANITE

70.11

0-32.47

32.48-58.63

58.64-70.19

70.2-77.71

77.72-100

100

High risk

Low risk

MEDIUM RISK
64% of businesses indicate a higher risk of becoming seriously delinquent than this business

Key score factors:

NUMBER OF TRADES WITH A HIGH BALANCE TO HIGH CREDIT RATIO

NUMBER OF CURRENT ACCOUNTS

PRESENCE OF AN INCONSISTENT PAYMENT TREND

NUMBER OF RECENTLY ACTIVE ACCOUNTS

Current DBT range compared to all industries*

0 DBT
($40,600 Balance)

0-15

16-50

51+

80%

11%

% of US businesses falling within DBT range

DBT Norms:
All industries: 6 DBT Same industry: 6 DBT

Legal Filings and Collections

Bankruptcy filings:

Tax lien filings:

Judgment filings:

Total collections:

Sum of legal filings:

UCC filings: details (FILED 07/06-03/07)

Cautionary UCC filings present?

Trade Information

Monthly average DBT:

Highest DBT previous 6 months:

Highest DBT previous 5 quarters:

Total continuous trades:

Current continuous trade balance:

$40,600

Trade balance of all trades (8):

$43,500

Average balance previous 5 quarters:

$300

Highest credit amount extended: details

$41,600

6 month balance range:

$600 - $43,400

* Days Beyond Terms (DBT) is a dollar weighted calculation of the average number of days that payment was made beyond the invoice due date based on trades on file that have been updated in the previous 3 months.

7 month DBT trends

90+

Jun07

Jul07

Aug07

Sep07

Oct07

Nov07

Current

Quarterly DBT trends (previous 5 quarters)

90+

3Q06

4Q06

1Q07

2Q07

3Q07

Performance Analysis

Predicted DBT for 02/20/2008: 1 DBT

Payment Trend Indication:
Are Improving Toward Term Requirements

Industry payment comparison:
Has paid sooner than 50% of similar firms

Most Frequent Industry Purchasing Terms:
NET 30, CREDIT, and CONTRCT

Trade Payment Information

Trade Payment Experiences
(Trade Lines With an (*) after date are newly reported)

Account Status
Days Beyond Terms

Business
Category

Date
Reported

Last
Sale

Payment
Terms

Recent
High
Credit

Balance

Cur

1-30

31-60

61-90

91+

Comments

+ADVERTISNG

12/2007*

11/2007

$2,800

100%

CUST 2 YR

EQUIPMENT

12/2007

12/2005

COD

=FINCL SVCS

12/2007

09/2007

CONTRCT

$41,600

$39,900

100%

ACCTCLOSED

FINCL SVCS

12/2007

03/2007

CONTRCT

SATSFTRY

+NEWSPAPERS

10/2007

ROI

$200

<$100

100%

+NEWSPAPERS

10/2007

NET 10

$1,800

$600

100%

Trade Payment Totals

Trade Payment Experiences

Account Status
Days Beyond Terms

Type

Lines
Reported

Recent
High
Credit

Balance

Cur

1-30

31-60

61-90

91+

Comments

Continuously Reported

$43,600

$40,600

100%

DBT: 0

Newly Reported

$2,800

100%

DBT: 0

Trade Lines Totals

$46,400

$43,400

100%

DBT: 0

Additional Payment Experiences

Trade Payment Experiences
(Trade Lines With an (*) after date are newly reported)

Account Status
Days Beyond Terms

Business
Category

Date
Reported

Last
Sale

Payment
Terms

Recent
High
Credit

Balance

Cur

1-30

31-60

61-90

91+

Comments

=AIR TRANS

11/2006

NET 30

$100

100%

COLLECTION

FINCL SVCS

03/2006

CONTRCT

CUST 1 YR

Monthly Payment Trends

Payment Trends Analysis
LUMBER & OTHER BLDG MATLS-RETAIL INDUSTRY SIC: 5211

Account Status
Days Beyond Terms

Date Reported

Industry

Cur

DBT

Business
DBT

Balance

Cur

1-30

31-60

61-90

91+

CURRENT

N/A

$40,600

100%

NOV07

82%

$40,500

100%

OCT07

81%

$42,300

100%

SEP07

82%

$600

100%

AUG07

82%

$800

100%

JUL07

81%

$800

100%

JUN07

82%

$1,800

17%

83%

Quarterly Payment Trends

Payment History - Quarterly Averages

Account Status
Days Beyond Terms

Quarter

Months

DBT

Balance

Cur

1-30

31-60

61-90

91+

Q3 - 07

JUL-SEP

$700

100%

Q2 - 07

APR-JUN

$700

26%

74%

Q1 - 07

JAN-MAR

Q4 - 06

OCT-DEC

Q3 - 06

JUL-SEP

<$100

100%

Inquiries

Summary of Inquiries

Business
Category

DEC07

NOV07

OCT07

SEP07

AUG07

JUL07

JUN07

MAY07

APR07

AUTOMOTIVE

Totals

UCC Profile

The UCC Filings are summarized and listed below.

UCC Summary

Filings

Date Range

Year

Cautionary
UCCs^**

Total
Filed

Released/
Term'd

Cont

Amended/
Assigned

JUL - PRESENT

2007

JAN - JUN

2007

JUL - DEC

2006

JAN - JUN

2006

JUL - DEC

2005

PRIOR TO JUL

2005

Total

** Cautionary UCC Filings include one or more of the following collateral: Accounts, Accounts Receivables, Contract Rights, Hereafter Acquired Property, Inventory, Leases, Notes Receivable or Proceeds.

UCC Filings

UCC FILED Date: 03/19/2007

Filing Number: 200707995511

Jurisdiction: SEC OF STATE WASHING

Secured Party: MECCANICA CAPITAL CORPORATION MI FARMINGTON 48336 31567 TEN

Collateral:

UCC FILED Date: 07/25/2006

Filing Number: 200620706577

Jurisdiction: SEC OF STATE WASHING

Secured Party: MECCANICA CAPITAL CORPORATION MI FARMINTON 48336 31567 TEN M

Collateral:

Commercial Finance Relationships

Banking Relationships

Financial Institution: UNDISCLOSED

Address: NA NA00000

Account Type: UNDISCLOSED

Account Rating: NO COMMENT AS OF 05/11/2007

Company Background Information

Additional Company Background Information

Key Personnel

Principal(s):	LASZLO ROVO, OWNER
	LES ROVO, OWNER

Operating Information

Primary SIC Code: LUMBER & OTHER BLDG MATLS-RETAIL - 5211

Secondary SIC Code: CERAMIC WALL & FLOOR TILE - 3253

Additional SIC Code: 3281 - 1411

Number of Employees: 14

RATING EXPLANATIONS

RATING		STATUS	PROPOSED CREDIT LINE
>86	Aaa	Possesses an extremely sound financial base with the strongest capability for timely payment of interest and principal sums	Unlimited
71-85	Aa	Possesses adequate working capital. No caution needed for credit transaction. It has above average (strong) capability for payment of interest and principal sums	Large
56-70	A	Financial & operational base are regarded healthy. General unfavourable factors will not cause fatal effect. Satisfactory capability for payment of interest and principal sums	Fairly Large
41-55	Ba	Overall operation is considered normal. Capable to meet normal commitments.	Satisfactory
26-40	B	Unfavourable & favourable factors carry similar weight in credit consideration. Capability to overcome financial difficulties seems comparatively below average.	Small
11-25	Ca	Adverse factors are apparent. Repayment of interest and principal sums in default or expected to be in default upon maturity	Limited with full security
<10	C	Absolute credit risk exists. Caution needed to be exercised	Credit not recommended
NR		In view of the lack of information, we have no basis upon which to recommend credit dealings	No Rating

This score serves as a reference to assess SC’s credit risk and to set the amount of credit to be extended. It is calculated from a composite of weighted scores obtained from each of the major sections of this report. The assessed factors and their relative weights (as indicated through %) are as follows:

Financial condition (40%) Ownership background (20%) Payment record (10%)

Credit history (10%) Market trend (10%) Operational size (10%)

PRIVATE & CONFIDENTIAL : This information is provided to you at your request, you having employed MIPL for such purpose. You will use the information as aid only in determining the propriety of giving credit and generally as an aid to your business and for no other purpose. You will hold the information in strict confidence, and shall not reveal it or make it known to the subject persons, firms or corporations or to any other. MIPL does not warrant the correctness of the information as you hold it free of any liability whatsoever. You will be liable to and indemnify MIPL for any loss, damage or expense, occasioned by your breach or non observance of any one, or more of these conditions

MIRA INFORM REPORT

Company Information

Executive Summary

Trade Payment Information

Trade Payment Totals

Additional Payment Experiences

Monthly Payment Trends

Quarterly Payment Trends

Inquiries

UCC Profile

Commercial Finance Relationships

Company Background Information