MIRA INFORM REPORT

Report No. :	320109
Report Date :	06.05.2015

IDENTIFICATION DETAILS

Name :	MDM SA

Formerly Known As :	MDM SP. Z O.O. MÓJ DOM SP. Z O.O.

Registered Office :	Ul. Bielska 206 43-400 Cieszyn

Country :	Poland

Financials (as on) :	31.12.2013

Date of Incorporation :	16.07.2002

Legal Form :	Joint Stock Company

Line of Business :	Manufacture and distribution of roof covering accessories Sale of construction materials Manufacture of metal structures and parts of structures Manufacture of builders' carpentry and joinery of metal Other financial services

No. of Employees :	204 employees (2012)

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 :	No Complaints

Litigation :	Clear

NOTES:

Any query related to this report can be made on e-mail: infodept@mirainform.com while quoting report number, name and date.

ECGC Country Risk Classification List – December 31, 2014

Country Name

Previous Rating

(30.09.2014)

Current Rating

(31.12.2014)

Poland

Risk Category	ECGC Classification
Insignificant	A1
Low	A2
Moderate	B1
High	B2
Very High	C1
Restricted	C2
Off-credit	D

POLAND - ECONOMIC OVERVIEW

Poland has pursued a policy of economic liberalization since 1990 and Poland's economy was the only one in the EU to avoid a recession through the 2008-09 economic downturn. Although EU membership and access to EU structural funds have provided a major boost to the economy since 2004, GDP per capita remains significantly below the EU average while unemployment continues to exceed the EU average. The government of Prime Minister Donald TUSK steered the Polish economy through the economic downturn by skillfully managing public finances and adopting controversial pension and tax reforms to further shore up public finances. While the Polish economy has performed well over the past five years, growth slowed in 2013 and 2014, in part due to the ongoing economic difficulties in the euro zone. Short-term, the key policy challenge will be to consolidate debt and spending without stifling economic growth. Over the longer term, Poland's economic performance could improve if the country addresses some of the remaining deficiencies in its road and rail infrastructure, business environment, rigid labor code, commercial court system, government red tape, and burdensome tax system.

Source : CIA

Company name and address

MDM SA

Ul. Bielska 206
43-400 Cieszyn

Phone: 33 4794500

Fax: 33 4794508

33 4794513

E-mail: biuro@mdmsa.com

Website: www.mdmsa.pl

Legal form

Joint Stock Company

Stat. no.

072802798

Tax ID

PL 5482352532

Establishment

16.07.2002 as Limited liability company

05.12.2007 as Joint Stock Company

Changes of names and addresses

16.07.2002 MÓJ DOM Sp. z o.o.

27.12.2004 MDM Sp. z o.o.

05.12.2007 MDM SA

Registration

04.01.2008, District Court Bielsko-Biała, VIII Department, KRS 296371

Data concerning previous registrations:
10.09.2002, District Court Bielsko-Biała, VIII Department, KRS 129999

Shareholders

Piotr Grzegorz Ogonowski , personal ID no. (PESEL) 77103006299, ul. Wincentego Pola 7/47, 31-636 Kraków

Percent of owned shares

Katarzyna Maślanka , personal ID no. (PESEL) 74020803026, ul. Odległa 27B, 43-400 Cieszyn

Percent of owned shares

Marek Maślanka , personal ID no. (PESEL) 70022102293, ul. Odległa 27B, 43-400 Cieszyn

Percent of owned shares

shareholders' list as at 02.09.2011

Share capital

	PLN 5 000 000,00
Share capital divided into 50000000 shares of PLN 0,10 each
Series of shares 25000000 type Preference shares SERIA B
Changes of share capital
- since 02.09.2011 until 04.02.2013 the capital estimated	PLN 8 750 000,00
- until 02.09.2011 the capital estimated	PLN 5 000 000,00
An in-kind contribution has been made and valued at in form of real estate at the address: ul. Bielska 184, 43-400 Cieszyn	PLN 4 999 000,00

Management

Marek Maślanka , personal ID no. (PESEL) 70022102293, ul. Odległa 27B, 43-400 Cieszyn
- president

Krzysztof Gęborski , personal ID no. (PESEL) 77061205518
- vice president

Tomasz Wojciech Piechaczek , personal ID no. (PESEL) 69071301173, ul. Kossak-Szatkowskiej 14/4, 43-400 Cieszyn
- vice president

Representation:
since 05.09.2012
President individually, two members of the board of directors jointly or member of the board of directors and proxy jointly.

Supervisory board

Tomasz Grzegorz Tarczyński , personal ID no. (PESEL) 74050305590, ul. Chodkiewicza 4/50, 02-593 Warszawa

Andrzej Jan Ogonowski , personal ID no. (PESEL) 78030611992

Władysław Paweł Wężyk , personal ID no. (PESEL) 64020106830

Main activity

Manufacture and distribution of roof covering accessories
Sale of construction materials

Branches NACE 2007:

Manufacture of metal structures and parts of structures

Manufacture of builders' carpentry and joinery of metal

Other financial services

Employment

2008:              170       employees
2009:              190       employees
2010:              193       employees
2011:              201       employees
2012:                                                                              204                                                                      employees

Turnover

2009	PLN
2010	PLN
2011	PLN
2012	PLN
2013	PLN

Financial statements

Source of financial data	Court	Court	Court	Court
	annual	annual	annual	annual
Personal balance sheet as at	31.12.2013 (PLN)	31.12.2012 (PLN)	31.12.2011 (PLN)	31.12.2010 (PLN)
-A. Fixed assets......................	42 323 824,93	40 629 867,71	41 261 104,55	32 340 933,23
- I. Intangible assets.............	120 852,42	125 371,94	156 347,32	206 236,49
- 3. Other intangible assets.......	85 401,92	125 371,94	156 347,32	206 236,49
- 4. Prepayments for intangible assets................................	35 450,50
- II. Tangible assets...............	18 166 531,51	24 974 886,77	25 432 763,08	26 654 035,30
- 1. Fixed goods...................	16 135 317,97	23 933 428,20	25 062 798,52	25 409 001,36
- a) land........................	620 161,97	646 617,89	673 073,81	699 529,73
- b) buildings, premises, facilities............................	8 427 416,36	8 602 834,30	9 746 214,14	8 882 215,29
- c) machinery and equipment.....	5 393 014,17	12 102 619,91	12 735 535,46	13 545 945,92
- d) fleet of motor vehicles.....	1 120 250,21	1 762 787,69	1 302 280,03	1 659 989,20
- e) other fixed goods...........	574 475,26	818 568,41	605 695,08	621 321,22
- 2. Fixed goods under construction..........................	203 599,54	207 177,90	199 414,56	1 127 333,94
- 3. Prepayments for fixed goods under construction....................	1 827 614,00	834 280,67	170 550,00	117 700,00
- IV. Long term investments.........	23 635 691,00	15 135 691,00	15 204 135,15	5 103 224,00
- 3. Long term financial assets....	23 635 691,00	15 135 691,00	15 204 135,15	5 103 224,00
- a) in affiliated companies.....	23 635 691,00	15 135 691,00	15 204 135,15	5 103 224,00
- - participations or shares...	15 135 691,00	135 691,00	135 691,00	103 224,00
- - granted loans..............	8 500 000,00	15 000 000,00	15 068 444,15	5 000 000,00
-V. Long-term prepayments and accrued income........................	400 750,00	393 918,00	467 859,00	377 437,44
- 1. Deferred tax assets.............	400 750,00	393 918,00	467 859,00	369 178,00
- 2. Other prepayments...............				8 259,44
-B. Current assets....................	25 943 295,99	26 465 705,25	29 665 683,83	28 290 175,27
- I. Stock.........................	13 806 083,96	16 869 875,32	18 256 284,44	16 160 839,29
- 4. Goods for re-sale.............	13 711 496,96	16 598 651,02	18 241 571,41	16 076 554,51
- 5. Advance payments .............	94 587,00	271 224,30	14 713,03	84 284,78
- II. Short-term receivables.........	10 783 773,14	8 544 683,21	10 203 262,83	11 937 072,01
- 1. Receivables from affiliated companies.............................	378 109,37	141 054,29	337 328,74
- a) Due to deliveries and services with payment period:.........	378 109,37	141 054,29	337 328,74
- - up to 12 months............	378 109,37	141 054,29	337 328,74
- 2. Other receivables ............	10 405 663,77	8 403 628,92	9 865 934,09	11 937 072,01
- a) Due to deliveries and services with payment period:.........	10 105 976,94	7 533 933,02	9 438 740,53	10 482 736,45
- - up to 12 months............	10 105 976,94	7 533 933,02	9 438 740,53	10 482 736,45
- b) Due to taxes, subsidies, insurances, duties..............	259 319,86	719 160,05	378 308,73	1 401 223,72
- c) Other.......................	10 773,56	120 942,44	15 985,38	15 726,90
- d) Received through judicial proceedings...........................	29 593,41	29 593,41	32 899,45	37 384,94
- III. Short term investments........	939 642,40	365 180,16	1 010 822,10	52 110,40
- 1. Short-term financial assets...	939 642,40	365 180,16	1 010 822,10	52 110,40
- a) in affiliated companies.....			653 727,47
- - granted loans..............			653 727,47
- b) Other.......................		3 100,00	243 700,00
- - granted loans..............		3 100,00	243 700,00
- c) cash and other liquid assets................................	939 642,40	362 080,16	113 394,63	52 110,40
- - cash in hand and on bank account...............................	939 642,40	362 080,16	113 394,63	52 110,40
-IV. Short-term prepayments and accrued income........................	413 796,49	685 966,56	195 314,46	140 153,57
-D. Total assets......................	68 267 120,92	67 095 572,96	70 926 788,38	60 631 108,50
-A. Shareholders' equity..............	54 498 597,47	52 308 736,65	54 608 527,81	46 213 485,95
- I. Basic share capital...........	5 000 000,00	5 000 000,00	8 750 000,00	5 000 000,00
- IV. Statutory reserve capital.....	46 508 736,65	45 858 527,81	41 213 485,95	35 891 337,24
- VIII. Net profit (loss)............	2 989 860,82	1 450 208,84	4 645 041,86	5 322 148,71
-B. Liabilities and reserves for liabilities...........................	13 768 523,45	14 786 836,31	16 318 260,57	14 417 622,55
- I. Reserves for liabilities......	601 805,00	575 734,00	846 827,00	1 408 345,00
- 1. Deferred income tax reserves..	115 305,00	222 434,00	293 827,00	408 345,00
- 3. Other reserves................	486 500,00	353 300,00	553 000,00	1 000 000,00
- - short-term...................	486 500,00	353 300,00	553 000,00	1 000 000,00
-II. Long-term liabilities...........	547 363,42	862 532,58	270 374,89	212 989,96
- 2. Other liabilities...............	547 363,42	862 532,58	270 374,89	212 989,96
- c) Other financial liabilities...	547 363,42	862 532,58	270 374,89	212 989,96
-III. Short-term liabilities..........	12 256 746,55	13 300 469,73	15 026 490,02	12 675 725,07
- 1. Due to affiliated companies.....	4 430 791,20	855 920,60	208 054,27
- a) Due to deliveries and services with payment period:.........	4 430 791,20	855 920,60	208 054,27
- - up to 12 months..............	4 430 791,20	855 920,60	208 054,27
- 2. Other liabilities...............	7 825 955,35	12 444 549,13	14 818 435,75	12 675 725,07
- a) Loans.........................	3 694 985,17	6 185 694,86	7 338 656,64	7 638 835,17
- c) Other financial liabilities...	315 169,16	2 000 333,89	290 157,66	271 143,63
- d)Due to deliveries and services with payment period:.........	2 583 550,84	3 099 522,28	5 851 304,89	2 947 295,61
- - up to 12 months..............	2 583 550,84	3 099 522,28	5 851 304,89	2 947 295,61
- e) Advances received.............		13 559,39
- g) Due to taxes, subsidies, insurances, duties ...............	789 401,72	664 381,06	864 428,56	1 055 004,17
- h) Due to salaries...............	411 862,49	481 057,65	473 888,00	447 129,48
- i) Other.........................	30 985,97			316 317,01
-IV. Accruals and deferred income....	362 608,48	48 100,00	174 568,66	120 562,52
- 2. Other accruals..................	362 608,48	48 100,00	174 568,66	120 562,52
- - long-term......................		28 900,00
- - short-term.....................	362 608,48	19 200,00	174 568,66	120 562,52
-D. Total liabilities.................	68 267 120,92	67 095 572,96	70 926 788,38	60 631 108,50

Source of financial data	Court	Court	Court	Court
	annual	annual	annual	annual
individual PROFIT AND LOSS ACCOUNT	01.01.2013- 31.12.2013 (PLN)	01.01.2012- 31.12.2012 (PLN)	01.01.2011- 31.12.2011 (PLN)	01.01.2010- 31.12.2010 (PLN)
-A. Income from sales and similar.....	65 255 329,67	85 730 947,39	80 850 187,33	72 945 299,80
- - including related companies......	16 455 651,61	887 690,13	1 144 869,69
- I. Net income on sales...........	43 641 753,23	70 593 048,61	62 361 083,97	56 889 501,32
- II. Change in value of stock ( +, -).................................	427 878,91	-190 788,24	-485 272,51	-145 004,78
- IV. Income from sales of goods and materials.........................	21 185 697,53	15 328 687,02	18 974 375,87	16 200 803,26
-B. Operational costs.................	63 433 456,39	84 329 845,97	75 746 770,30	67 408 563,86
- I. Depreciation..................	1 340 101,90	1 911 744,28	2 108 565,43	2 220 368,03
- II. Materials and energy..........	30 017 269,05	52 245 603,84	42 038 999,95	36 025 565,94
- III. Third party services..........	5 533 216,59	6 845 199,88	6 699 002,27	5 420 642,24
- IV. Taxes and duties..............	456 282,92	358 488,87	345 670,38	280 738,08
- V. Salaries and wages............	6 892 934,50	8 743 336,44	8 043 641,29	7 455 192,27
- VI. Social security...............	1 354 092,14	1 758 438,03	1 566 471,93	1 476 853,31
- VII. Other.........................	1 282 774,05	1 121 506,22	1 043 819,98	1 245 293,28
- VIII.Costs of goods and materials sold..................................	16 556 785,24	11 345 528,41	13 900 599,07	13 283 910,71
-C. Profit on sale....................	1 821 873,28	1 401 101,42	5 103 417,03	5 536 735,94
-D. Other operating incomes...........	1 675 463,68	1 726 447,00	2 106 520,59	2 595 301,18
- I. Incomes from disposal non-financial assets..................	704 140,11	47 867,84	102 771,02	150 148,13
- II. Subsidies.....................	88 736,15	19 200,00	39 887,27	14 400,00
- III. Other operating incomes.......	882 587,42	1 659 379,16	1 963 862,30	2 430 753,05
-E. Other operating costs.............	978 206,43	931 649,57	2 071 337,58	1 665 915,27
- II. Goodwill revaluation..........		52 300,36	982 979,53
- III. Other operating costs.........	978 206,43	879 349,21	1 088 358,05	1 665 915,27
-F. Profit on operating activities....	2 519 130,53	2 195 898,85	5 138 600,04	6 466 121,85
-G. Financial incomes.................	714 220,34	1 228 941,98	686 051,06	264 441,40
- II. Interest received.............	557 705,11	1 016 475,80	555 722,49	85 600,60
- - including related companies....	410 736,55	998 004,91	549 367,04
- IV. Financial assets revaluation..			72 171,62
- V. Other.........................	156 515,23	212 466,18	58 156,95	178 840,80
-H. Financial costs...................	317 408,89	843 331,58	502 470,24	640 571,54
- I. Interest......................	310 523,41	771 159,96	470 517,94	557 763,43
- IV. Other.........................	6 885,48	72 171,62	31 952,30	82 808,11
-I. Profit on economic activity.......	2 915 941,98	2 581 509,25	5 322 180,86	6 089 991,71
-J. Exceptional items.................	1 265 122,84	-1 060 533,41
- I. Exceptional gains.............	1 323 287,20
- II. Exceptional losses............	58 164,36	1 060 533,41
-K. Gross profit......................	4 181 064,82	1 520 975,84	5 322 180,86	6 089 991,71
-L. Corporation tax...................	1 191 204,00	70 767,00	677 139,00	798 718,00
-M. Other statutory charges...........				-30 875,00
-N. Net profit........................	2 989 860,82	1 450 208,84	4 645 041,86	5 322 148,71

Ratios	01.01.2013- 31.12.2013	01.01.2012- 31.12.2012	01.01.2011- 31.12.2011	01.01.2010- 31.12.2010
Current ratio	2,12	1,99	1,97	2,23
Quick ratio	0,96	0,67	0,75	0,95
Immediate ratio	0,08	0,03	0,01
Return on sale	4,58	1,69	5,71	7,28
Return on assets	4,38	2,16	6,55	8,78
Return on equity	5,49	2,77	8,51	11,52
Average trade debtors' days	60,32	36,40	45,79	59,61
Average stock turnover's days	77,22	71,86	81,93	80,70
average payables payment period	68,56	56,66	67,43	63,30
Total indebtedness ratio	20,17	22,04	23,01	23,78

While rating the company, it is advisable
to take into consideration information about the branch, the company is acting in

(C.25.11.Z - NACE 2007), as at :	31.12.2014	31.12.2013	31.12.2012	31.12.2011	31.12.2010
Current ratio............................	1,43	1,35	1,36	1,34	1,33
Quick ratio..............................	0,92	0,89	0,86	0,88	0,84
Immediate ratio..........................	0,22	0,20	0,17	0,19	0,19
Return on sale...........................	3,59	3,97	2,64	3,26	2,45
Return on assets.........................	4,90	5,15	3,46	4,12	2,89
Return on equity.........................	10,70	11,38	7,84	10,28	6,68
Average trade debtors' days..............	68,90	73,07	71,34	78,22	75,96
Average stock turnover's days............	48,21	48,05	48,77	44,62	52,47
average payables payment period..........	101,77	111,65	107,88	119,94	124,17
Total indebtedness ratio.................	54,20	54,74	55,83	59,91	56,69
Percent share in the examinated group of companies with net profit.............	81,10	80,70	78,60	78,60	67,80
Sales/revenue per employee in th. PLN....	324,40	318,47	312,83	303,29	257,12
Average sales/revenue per company in th. PLN..................................	52 081,92	48 243,14	48 877,16	48 072,87	38 255,94

according to the Central Statistical Office

Locations

seat:
ul. Bielska 206, 43-400 Cieszyn
Phone:                          33 4794500
Fax:                              33 4794508
                                                33 4794513
E-mail:                          biuro@mdmsa.com
Website:                       www.mdmsa.pl

Real Estate

Book value of buildings as at 31.12.2013	PLN	8 427 416,36
Book value of lands as at 31.12.2013	PLN	620 161,97
Verification of information on real estate ownership position through the Real Estate Register is not covered by the standard report.

Shares in other companies

MDM NT Sp. z o.o. NIP PL 5482614481, ul. Bestwińska 143, 43-346 Bielsko-Biała
PLN 113 500,00 (24,95%)

Data concerning shares in other companies are valid as at: 08.04.2015.

Connections

Piotr Grzegorz Ogonowski , personal ID no. (PESEL) 77103006299
- INSTYTUT OPTYMALIZACJI ZARZĄDZANIA sp. z o.o. NIP 7010355547, ul. Mokotowska 15A/1B, 00-640 Warszawa
· shareholder: PLN 500,00 (10,00%)
· president
- MGS sp. z o.o. NIP 6751455514, ul. Pola 7/47, 31-532 Kraków
· shareholder: PLN 99 950,00 (99,95%)
· president
- CERAMIKA NOWA GALA SA NIP PL 9410250665, ul. Ceramiczna 1, 26-200 Końskie
· deputy-chairman
- CORESERVICE POLSKA SPÓŁKA AKCYJNA NIP 5272552153, Warszawa
· proxy

Tomasz Grzegorz Tarczyński , personal ID no. (PESEL) 74050305590
- OPOKA TOWARZYSTWO FUNDUSZY INWESTYCYJNYCH SPÓŁKA AKCYJNA NIP 1080002118, ul. Królewska 16, 00-103 Warszawa
· president

Andrzej Jan Ogonowski , personal ID no. (PESEL) 78030611992
- MAD sp. z o.o., ul. Krakowska 14, 33-100 Tarnów
· shareholder: PLN 15 000,00 (30,00%)
· member of board of directors
- MGS sp. z o.o. NIP 6751455514, ul. Pola 7/47, 31-532 Kraków
· vice president

Marek Maślanka , personal ID no. (PESEL) 70022102293
- COECO MAREK MAŚLANKA, KATARZYNA SĘK SPÓŁKA JAWNA W LIKWIDACJI NIP 5482614624, ul. Bielska 206, 43-400 Cieszyn
(! the company was put into liquidation)
· shareholder
- FUNDACJA ŁATKA NIP 5482651915, ul. Bielska 10, 43-400 Cieszyn
· president
- MGMS sp. z o.o., ul. Kilińskiego 34, 40-062 Katowice
· shareholder: PLN 4 500,00 (90,00%)
· president
- QX sp. z o.o. NIP 5482666503, ul. Bielska 10, 43-400 Cieszyn
· shareholder: PLN 5 000,00 (100,00%)
· president
- MDM NT Sp. z o.o. NIP PL 5482614481, ul. Bestwińska 143, 43-346 Bielsko-Biała
· shareholder: PLN 307 350,00 (67,55%)
· president

Tomasz Wojciech Piechaczek , personal ID no. (PESEL) 69071301173
- MDM NT Sp. z o.o. NIP PL 5482614481, ul. Bestwińska 143, 43-346 Bielsko-Biała
· vice president

General information

The subjec c ompany continues the activity of Firma Prywatna MÓJ DOM Marek i Katarzyna Maślanka.

The company refused to co-operate in elaboration of this report without knowing the name of the contractor.

Banks

Bank Zachodni WBK SA 1 O. w Cieszynie (10901782)
Rynek 14, 43-400 Cieszyn
Acc.no. 83109017820000000108680742

Payment Manner

In available sources, payment delays have not been noted

Credit capability

In available sources, payment delays have not been noted

We would like to draw your attention to:
- Fall in sales

FOREIGN EXCHANGE RATES

Currency	Unit	Indian Rupees
US Dollar	1	Rs.63.52
UK Pound	1	Rs.95.96
Euro	1	Rs.70.54

INFORMATION DETAILS

Analysis Done by :	SUB

Report Prepared by :	VNT

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	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
--	NB	New Business	--

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

This report is issued at your request without any risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or its officials.

MIRA INFORM REPORT

Company name and address

Legal form

Stat. no.

Tax ID

Establishment

Changes of names and addresses

Registration

Shareholders

Share capital

Management

Supervisory board

Main activity

Employment

Turnover

Financial statements

Locations

Real Estate

Shares in other companies

Connections

General information

Banks

Payment Manner

Credit capability

Unit