EQUIFAX BUSINESS CREDIT REPORT™ USER GUIDE

Equifax BusinEss

CrEdit rEport

™

usEr guidE

1 Confidentiality Notice

2 Business Information

3 Score Summary

4 Report Highlights & Alerts

5 Principal/Guarantor Associated

Businesses

6 Score Detail

8 Industry Trade Information

9 Quarterly Industry Payment Trend

10 Financial Trade Details

13 Guarantor Information

taBLE of

ContEnts

14 Returned Cheque Details

15 Collection Detail

16 Legal Details Information

17 Corporate Search and Additional

Business Information

18 Information from the Superintendent

of Bankruptcy

19 Banking Report Detail

20 Liens Detail

21 Other Files Included Detail

21 Inquiries Detail

ConfidEntiaLitY

notiCE

No part of the contents of this document may be reproduced or transmitted in any form or by any

means for external usage without the express written authorization of Equifax Canada Co.

USER acknowledges that all material and information which has or will come into his/her possession

or knowledge regarding the use of these SPECIFICATIONS are confidential and proprietary data, and

that its disclosure or use by third parties will be damaging to Equifax. USER, therefore, agrees to hold

such material and information in strictest confidence, not to use it for any purpose other than putting

these SPECIFICATIONS into effect, to release it only to employees requiring such information, and

not to release nor disclose it to any other party. USER will take appropriate action with respect to its

employees to ensure that the obligations for non-use and non-disclosure of confidential information

under this NOTICE are fully satisfied. If the USER, or any employee of the USER, or anyone acting

with the USER’s consent, either express or implied, breaches this NOTICE regarding confidentiality,

to which the USER has agreed by acceptance of these SPECIFICATIONS, EQUIFAX will have the right,

in addition to such other remedies which may be available to it, to injunctive relief enjoining any such

acts or attempts to breach this provision, it being acknowledged that legal remedies are inadequate.

LiaBiLitY LiMitation

Equifax Canada Co. will not be liable to USER for any loss of profit, use, direct or indirect, special,

incidental or consequential damages, or any kind, in connection with or arising out of the furnishing,

the failure to furnish, or the use of these specifications.

8 9

[6] EMPLOYEE SIZE

Provides the approximate number of

employees for the business.

[7] SALES VOLUME

Displays the estimated sales for the business.

[8] SIC

This is the 4-digit Standard Industrial

Classi cation code number assigned to the

business based on the industry classi cation.

Displays up to 6 SIC codes.

[9] NAICS

This is the 6-digit North American Industry

Classi cation System number assigned to

the business based on industry classi cation.

Displays up to 6 NAICS codes.

[1] BUSINESS INFORMATION

Requestor ID: Displays the User ID

of the person requesting the report.

Reference Number: Identi es

the report based on the number

submitted by a user.

Reported Date: Provides the date

when the inquiry was made as

recorded by Equifax.

File in Database Since: Provides

the date the business  le was  rst

created within the Equifax database.

File Number / Subject Number:

These numbers are assigned by

Equifax to the business report.

[2] FILE ALERT

This section only applies if there is a

bankruptcy on  le.

[3] OTHER KNOWN TRADESTYLES

Displays up to 10 additional names by

which the business may be known.

[4] BUSINESS CONTACT / TITLE

Provides up to 5 reported contact

names for the business.

[5] INCORPORATION NUMBER /

EFFECTIVE DATE

This is the date of the original  ling of

incorporation documents, along with

the incorporation number assigned.

BusinEss inforMation

The Business Information segment returns the business name, address and

firmographics for the legal entity which most closely matches your inquiry information.

sCorE suMMarY

This section shows an assessment of the risk level of the business with an overview of

the scores available with definitions and the numeric value.

[1] CREDIT INFORMATION (CI)

Credit Information is a general measurement of the

positive and negative characteristics of a commercial

credit file as it relates to delinquency risk. It measures

seven attributes that can appear in an Equifax credit

report. A low CI value indicates that these attributes are

mostly positive and suggest that this company has a

positive credit history. There are two special values.

For companies where there is no information, the CI value

of 20 is returned. For companies with information from

the Superintendent of Bankruptcies, the CI value is set to

70 as an alert to customers.

[2] PAYMENT INDEX (PI)

The Payment Index (PI) is a numeric measure of the

businesses payment habits, and is calculated strictly on

the distribution of the total owing amounts across the

aging periods in the 90 days immediately preceding the

day the report was ordered. The Payment Index ranges

from 0 to 99. The closer the company scores to zero, the

better it is at paying the creditors reporting to file. A zero

PI score would indicate all reporting creditors are paid

within terms. A PI score of 99 indicates that creditors

are being paid in the third period past due or longer. This

index is similar to days beyond terms.

[3] COMMERCIAL DELINQUENCY SCORE (CDS)

Predicts the likelihood of severe delinquency, charge-

off, or bankruptcy on any account within 12 months.

The CDS score ranges from 101 to 662 where a high

score indicates a lower probability of delinquency.

[4] BUSINESS FAILURE RISK SCORE (BFRS)

The BFRS predicts the likelihood that a business will

cease to do business within the next 12 months. The

BFRS score ranges from 1001 to 1722 where a high

score indicates a lower probability of failure.

1 3

2 4

LARGEST CHARGE OFF AMOUNT / DATE

This represents the largest single amount written off and

the date on which this occurred, as reported on this file.

[3] TOTAL CURRENT CREDIT EXPOSURE

Sums up the total outstanding balance or available credit on

open and closed accounts to indicate the maximum credit

exposure associated with the accounts in this credit report.

TOTAL OUTSTANDING

Total outstanding amount to all creditors, as reported

to Equifax.

TOTAL CURRENT BALANCE

Total current reported balance including any past due

amount to all creditors.

[1] NUMBER OF ACCOUNTS REPORTING

Provides the details on the number of accounts,

financial trades or industry trades that are being

reported on, within the business file.

NUMBER / AMOUNT OF DELINQUENCIES

Displays the total number of delinquent accounts and

the amount that is delinquent, as reported on this file.

MOST SEVERE STATUS

Shows the most severe account status reported

[2] NUMBER OF CHARGED OFF ACCOUNTS

Number of accounts reported with an overall status

of charged-off.

rEport HigHLigHts & aLErts

This section shows a summary of the key report components and an overall summary of the

credit reference information.

[4] BANK REPORT ON FILE / CORPORATE SEARCH ON

FILE

These flags will let you know if we have conducted a bank

report or corporate search and the date on which it was

performed most recently. By clicking on the link in the

report, you can go directly to the information on file.

# OF INQUIRIES ON FILE

This is the number of times a report on this business has

been requested from Equifax in the past two years. The

report dates and inquiries are detailed in the Inquiries

Section.

# FINANCIAL LINES GUARANTEED

This field indicates the number of Financial Trade lines

that have been reported as having a guarantor associated

with them.

rEport HigHLigHts & aLErts (continued)

EXCESS OF LIMITS FINANCIAL LINE

This field indicates the number of Financial Trade

lines that have been reported as having a guarantor

associated with them.

[5]% UTILIZATION OF REVOLVING FINANCIAL LINES

This is a calculation of how much available credit on

revolving financial trade lines has been utilized, and

therefore, what percentage of funds is still available for

use. It compares total balance to credit limit.

% UTILIZATION FIXED FINANCIAL LINES

This is a calculation of how much available credit

on fixed financial trade lines has been utilized, and

therefore, what percentage of funds is still available for

use. It compares total balance to high credit.

prinCipaL/guarantor

assoCiatEd BusinEssEs

This segment displays a list of any additional businesses that may be associated with the

business principal or any identified guarantors, as reported within the Equifax database. The

matching logic for this section is based on an exact name match and, therefore, may result in

multiple principal/guarantor outputs that may or may not be related to the subject company.

Customers should carefully evaluate matches for pertinence to subject company.

sCorE dEtaiL

Displays the definition, the numeric value and reason codes for each score appended to

the business folder.

[1] CREDIT INFORMATION (CI)

Credit Information (CI) is a general measurement of the positive and negative

characteristics of a commercial credit file as it relates to delinquency risk. It

measures seven attributes that can appear in an Equifax credit report. A low

CI value indicates that these attributes are mostly positive and suggests that

this company has a positive credit history. There are two special values. For

companies where there is no information, the CI value of 20 is returned. For

companies with information from the Superintendent of Bankruptcies, the CI

value is set to 70 as an alert to customers.

[2] CREDIT INFORMATION (CI) TREND GRAPH

This graph plots the Credit Information (CI) for 9 quarters and shows the

current value. It is calculated as of the day you ordered the report. The graph

allows you to see at a glance if the risk is decreasing, steady or increasing.

[3] PAYMENT INDEX (PI)

The Payment Index (PI) is a

numeric measure of the business

payment habits, and is calculated

strictly on the distribution of the

total owing amounts across the

aging periods in the 90 days

immediately preceding the day the

report was ordered. The Payment

Index (PI) ranges from 0 to 99.

The closer the company scores

to zero, the better it is at paying

the creditors’ reporting to file. A

zero PI score would indicate all

reporting creditors are paid within

terms. A PI score of 99 indicates

that creditors are being paid in the

third period past due or longer.

This index is similar to days beyond

terms.

[4] PAYMENT INDEX (PI) TREND

GRAPH

This graph plots the Payment Index

(PI) for 9 quarters and shows

the current value. The graph

allows you to see, at a glance, if

the business pays bills slowly, is

steady or is improving.

[5] COMMERCIAL DELINQUENCY

SCORE (CDS)

Predicts the likelihood of severe

delinquency, charge-off, or

bankruptcy on any account within

12 months. The CDS score ranges

from 101 to 662 where a high CDS

score indicates a lower probability

of delinquency.

If customers do not subscribe to

CDS, the CDS Risk Class is returned,

with a value of 1 to 5 where 5

indicates the highest scores.

COMMERCIAL DELINQUENCY

SCORE (CDS) - REASON CODES

Commercial Delinquency Score

(CDS) comes with four Reason

Codes which help explain the score.

The Reason Codes correspond to

the attributes in the model that

most greatly affect the score.

[6] COMMERCIAL DELINQUENCY SCORE (CDS) –

TREND GRAPH

This graph plots the CDS for up to 9 quarters plus the

current score value. Each quarter’s value is based on the

score as calculated at the end of the quarter noted.

Note: This trend graph is only available upon subscription

to the Commercial Delinquency Score (CDS).

[7] BUSINESS FAILURE RISK SCORE (BFRS)

Predicts the likelihood that a business will cease to do

business within the next 12 months. The BFRS score

ranges from 1001 to 1722 where a high score indicates a

lower probability of failure.

If customers do not subscribe to the Business Failure Risk

Score (BFRS), the BFRS Risk Class is returned, with a

value of 1 to 5 where 5 indicates the highest scores.

BUSINESS FAILURE RISK SCORE (BFRS) –

REASON CODES

Business Failure Risk Score (BFRS) comes with four

Reason Codes which help explain the score. The Reason

Codes correspond to the attributes in the model that

most greatly affect the score.

[8] BUSINESS FAILURE RISK SCORE (BFRS) –

TREND GRAPH

This graph plots the BFRS for up to 9 quarters plus the

current score value. Each quarter’s value is based on

the score as calculated at the end of the quarter noted.

Note: This trend graph is only available upon

subscription to the Business Failure Risk Score (BFRS).

sCorE dEtaiL (continued)

Those contributing creditors providing their trade

information can select to have their industry and

company name, or just the industry in which they do

business to appear in the creditor information. Some

abbreviations you might see are MFR (Manufacturer),

WHL (Wholesaler), CONTR (Contractor) or VCS (Services).

[3] INDUSTRY TRADE DETAIL – TABULAR VIEW

The toggle button allows the user to toggle between the

full expanded display, or the collapsed tabular display

of the industry trade detail section. In the tabular view,

what remains visible are Date Reported and by whom;

Original Credit Limit/Date; High Credit/Date; Total

Balance and Current Balance.

[1] INDUSTRY TRADE SUMMARY

This section summarizes the credit references that are

reported on the business file. The cumulative summary

is provided for the periods of 90 days, 13 months and all

references. All References standard is 60 months.

The Payment Index (PI) score is provided based on the

indicated period, the number of credit references included

and the high credit as reported for any accounts listed

within the noted period. The Total Owing, Current, Period

1, Period 2 and Period 3 are included.

[2] INDUSTRY TRADE DETAIL

This information is updated frequently and is reported as it

appears on the creditors’ accounts receivable statements.

In some instances, there may be disputes or credits on the

account of which Equifax is not aware.

industrY tradE inforMation

This section provides specific information about the business industry trade creditors, and

does not include the Financial Trades information.

2 3

A low Credit Information (CI) Score value indicates

that these attributes are mostly positive and suggest

that this company has a positive credit history. There

are two special values. For companies where there

is no information, the value of 20 is returned. For

companies with information from the Superintendent of

Bankruptcies, the Credit Information (CI) Score is set to

70 as an alert to customers.

[3] NUMBER OF REFERENCES

Provides the number of trade references reported on

the business by contributing creditors to Equifax within

the given quarter.

[4] TREND AMOUNT

Total Account, Current Amount, Period 1, Period 2 and

Period 3 – Represents the total amount outstanding

to the creditors reporting in a particular quarter. It is a

consolidated aging of the accounts.

[1] PAYMENT INDEX (PI)

The Payment Index (PI) is a numeric measure of the

businesses payment habits, and is calculated strictly on

the distribution of the total owing amounts across the

aging periods in the 90 days immediately preceding the

day the report was ordered.

The Payment Index (PI) ranges from 0 to 99. The closer

the company scores to zero, the better it is paying the

creditors, reporting to file. A score of 99 indicates that

creditors are being paid in the third period past due or

longer. This index is similar to days beyond terms.

[2] CREDIT INFORMATION (CI) SCORE

Credit Information (CI) Score is a general measurement of

the positive and negative characteristics of a commercial

credit file as it relates to delinquency risk. It measures

seven attributes that can appear in an Equifax credit report.

quartErLY industrY

paYMEnt trEnd

This table details the numbers provided in the Score detail section, with respect to the Credit

Information (CI) and Payment Index (PI). The information displayed in each row of this table

represents a calendar quarter (i.e. 3 months) and enables you to understand any fluctuation in

payments over a period of 9 quarters. It does not include the Financial Trade information.

finanCiaL tradE dEtaiLs

This section provides information about the financial lines as reported to Equifax by

financial institutions. This information is updated frequently and is reported as it appears

on the financial institutions submissions. In some instances, there may be disputes or

credits on the account of which Equifax is not aware.

Note: This section must be activated in order to receive the data.

SIC# / SUPPLIER

NAME / GUARANTOR

INDICATOR

Each  nancial line will show the SIC# and/or Supplier Name as well as an indicator to show if

there are related guarantors listed in the Guarantor Information section.

DATE REPORTED The date the  nancial trade reference was reported to Equifax.

DLA The date of last activity on the line.

DATE OPENED The date the account was opened by the business with the creditor.

DATE CLOSED The date the account was closed with the creditor.

CREDIT LIMIT The maximum amount of credit available on an account.

HIGH CREDIT The original amount of the loan or the highest balance ever attained.

SCHD PYMNT AMT This is the contractual payment amount that the business is expected to pay for the cycle being

reported.

ACTUAL PYMNT AMT The actual amount paid, which could be less than, equal to or greater than the payment amount.

BALANCE The amount owing at the time of reporting.

PAST DUE The amount the account is past due based upon the contractual repayment agreement.

ACCOUNT TYPE Description of the type of account reported. This is represented by the below listed account

type codes:

Open (O): An account where the entire

balance is due upon demand where

normally the full balance is due each month.

Revolving (R): An account where

payments are revolving based on the

outstanding balance.

Installment (I): An account where

payments are due in set installments.

Mortgage (M): A contract where the

creditor has actual title to the property

but the property remains the use and

occupancy of the borrower as long as the

conditions of the mortgage are met.

Line of Credit (C): An agreement between

an institution and a consumer where the

institution agrees to lend a consumer

funds up to an agreed upon credit limit.

Payment amounts are revolving based on

the outstanding balance.

Lease (L): A contract granting use

or occupation of property/item during

a speci ed period in exchange for a

speci ed rent.

RATING Current status of the account.

0 = Too new to rate; approved but not used

1 = Pays (or paid) within 30 days of payment due date or not over one payment past due

2 = Pays (or paid) in more than 30 days from payment due date but not more than 60 days

or not more than 2 payments past due

3 = Pays (or paid) in more than 60 days from payment due date but not more than 90 days

or 3 payments past due

4 = Pays (or paid) in more than 90 days from payment due date but not more than 120 days

or 4 payments past due

5 = Pays (or paid) in more than 120 days or more than 4 payments past due but not yet rated 9

7 = Making regular payments under a consolidation order or similar arrangement

8 = Repossession

9 = Bad debt; placed for collection; skip account

PAYMENT TYPE The type of payment that is made to the creditor such as monthly payment, balloon payment,

interest only payment, etc.

finanCiaL tradE dEtaiLs (continued)

FREQ 1 Describes the frequency of the payment expected to be made.

FREQ 2 Used when an additional payment is also made such as balloon or quarterly principal payment, etc.

30/60/90 Displays the number of times the account has been 30, 60 or 90+ days in arrears.

TRADE PYMNT

PROFILE

Provides the historical view of payment rating for the trade line. The alphanumeric value,

currently shown in this area, denotes a placeholder. As payment history builds for the business,

Equifax will collect the data and replace with an actual numeric value.

• Non-numeric value of * represents a period where no rating was reported into Equifax

• Non numeric value of ‘B’ represents a blank  eld placeholder which will be populated

as history builds on the trade.

TOTAL This section will provide the totals based on the trade lines provided in this segment. In

addition, the percent utilization is displayed for both  xed and revolving credit.

% UTILIZATION –

REVOLVING CREDIT

Calculation of how much of available credit on Revolving Financial Trade Lines has been utilized

and, therefore, what percentage of funds is still available for use. It compares Total Balance to

Credit Limit.

% UTILIZATION –

FIXED CREDIT

Calculation of how much of available credit on Fixed Financial Trade lines has been utilized

and, therefore, what percentage of funds is still available for use. It compares to Total Balance

to High Credit.

finanCiaL tradE dEtaiLs (continued)

[1] FINANCIAL TRADE #

The reference number which identifies the trade line as displayed in the Financial Trade Details section.

[2] NUMBER OF THE GUARANTOR

Numerical count for each guarantor associated with any given trade line.

guarantor inforMation

This section provides the guarantor information on the financial trade segment and must

be activated to receive the details. It displays the trade it is attached to with each of the

guarantor’s information displayed. In the circumstance where the guarantor is an individual,

only the name will show. The address information is not available due to privacy laws.

[1] REASON

Provides the reason why the returned cheque did not clear. The predominant reason is NSF (Non-Sufficient Funds).

[2] STATUS

Displays the status of the cheque as of the reported date. The status is not updated nor tracked beyond the reported date.

rEturnEd CHEquE dEtaiLs

This section provides information on returned cheques, as supplied by contributing creditors.

The information displays the date printed on the cheque as the payee received it, the amount

of the cheque written, and the bank/creditor that appears on the cheque.

[1] CREDITOR/DEBTOR

Outlines the creditor who placed the business’s account

for collection and the debtor name against which the claim

was initiated as well as the status of the claim, which is

updated regularly.

CLAIM AMOUNT

The amount of the claim, as reported by the collection

agency.

CoLLECtion dEtaiL

This section provides detailed collection information, as reported by third party collection

agencies. You will find the date the claim was reported to Equifax as well as the date the claim

was placed with the third party collection agency and, where applicable, the date the claim

was paid and/or closed. When an account is listed as closed, the usual reasons are that it is

paid, settled or abandoned.

[2] AMOUNT PAID

Payment made by the business or returned goods in an

attempt to settle the debt.

ACCOUNT BALANCE

Represents the balance on the account that is remaining

to be paid.

LEgaL dEtaiLs inforMation

This section contains details on legal suits, judgments and other legal information.

[1] LEGAL INFORMATION – SUITS

Indicates the commencement of a

legal action by a plaintiff against the

debtor’s business.

[2] LEGAL INFORMATION –

JUDGMENTS

This is an order from the Court that

places liability on the defendant’s

business. The plaintiff has proven

his case in Court. A default judgment

is similar but indicates that the

defendant did not file a defense to

the action against him within the

Court’s prescribed time.

[3] OTHER LEGAL INFORMATION

Displays the legal items important to

the business which are not normally

considered derogatory and do not

affect the business credit indices (CI/

PI) with Equifax. Information could be

legal suits, garnishments, seizures of

assets or judgments already on file.

[4] THE FOLLOWING INFORMATION WILL APPEAR IN EACH OF THE SUB-

SECTIONS UNDER LEGAL INFORMATION–SUITS, LEGAL INFORMATION–

JUDGMENTS AND OTHER LEGAL INFORMATION:

REPORTED: The date when the legal item was filed with the Court or in the

case of a judgment, it is the date that the Court rendered its verdict. The

claim number is what the Court uses to identify the legal document.

CLAIM DATE / NUMBER: The date when the legal information was reported

to Equifax.

DEFENDANT: The name of the business, as it appears, in the Court

documents. It is possible that a Court case can be dismissed if the proper

legal name of the defendant does not appear on the documents.

PLAINTIFF: This is the name of the person, enterprise or legal entity who has

commenced proceedings.

AMOUNT: In a legal suit (such as statement of claim, writ, etc.), this is the

amount the plaintiff seeks. In a judgment or default judgment, the amount

shown is what the Court has ordered the defendant to pay the plaintiff.

REASON: Posting of a general reason for the plaintiff’s action against the

defendant in the Court documents such as money owed, goods sold and

delivered or contract.

COURT: Displays the type of Court where the action is being considered.

Provincial dollar limits and other factors determine where an action is file.

SECURITY: Identifies any collateral used in legal action.

CorporatE sEarCH and

additionaL BusinEss inforMation

This section contains information obtained from the provincial ministry, by corporate search,

principal interview or other sources of data. Each segment will indicate reported or verified.

If verified, the data is obtained from a verifiable source. If reported, this is information

provided by principal interview.

[1] REGISTRATION NUMBER/TYPE

The date when the business filed its incorporation

documents with either the Federal or Provincial

Government along with the assigned registration number.

[2] JURISDICTION LOCATION/TYPE

Provides a provincial or federal registration.

[3] EFFECTIVE DATE

The date in which the registration information took effect.

[4] BUSINESS CONTACT, TITLE AND SHARES OWNED

Provides the main contact information for the company

and the title of the individual names on the file and, if

available, the shares owned.

[5] OWNERSHIP/SOURCE, PROPERTY COVERED/

ADDRESS AND PROPERTY VALUE/EVALUATION DATE

Shows the ownership of the property described as

well as the property value and the date when it was

evaluated.

[6] EMPLOYEE SIZE AND SALES VOLUME

Represents the number of employees and sales volumes

for the business.

VERIFIED (V) AND REPORTED (R)

A status of reported (R) indicates this information was

received by Equifax through data updates. Verified

(V) indicates the information was validated by Equifax

through a corporate search or other means.

inforMation froM

tHE supErintEndEnt

of BanKruptCY

This section returns information detailing voluntary assignments in involuntary assignments,

receiverships and notices of intentions to file a proposal. Information on the business is

kept on file for 5 years.

[1] ESTATE INFORMATION

Represents the company information as it is filed.

This segment will provide you with details such as

the assigned estate number, creditor meeting date if

established as well as the discharge date.

[2] COURT INFORMATION

Provides you with the details of the court where the

bankruptcy was filed. Important information also

includes the file number and date which provides you

with the information you require if you are seeking more

information from the court on the details.

[3] RECEIVER INFORMATION

Provides you with detail on the assigned receiver.

[4] TRUSTEE INFORMATION

Provides you with detail on the assigned trustee.

BanKing rEport dEtaiL

Upon request, Equifax contacts a business’ bank to obtain information. A short time after

we collect this information, we add it to our database to share with all report users. Within

this section, we provide details from the bank that was contacted, the number of accounts,

lines of credit and loans, as well as a summary indication of the balances for each.

[1] REPORTED

The date on which the bank report was completed.

[2] OPEN DATE

The date when the account, credit line or loan was

opened with the creditor.

[3] NUMBER OF ACCOUNTS, CREDIT LINES AND LOANS

Specifies the number of each account type associated

with the business, as reported by the bank.

[4] ACCOUNT TYPE, LOAN TYPE AND

CREDIT LINE TYPE

Provides details on the type of account. For example,

Savings Account, Chequing Account, Operating Line of

Credit, etc.

[5] BALANCE

This is the balance in the current account of the business

as of the date the bank was interviewed. Some banks

report a specific figure while other banks report ranges.

LiEns dEtaiL

This section contains details of any liens filed against the business. A registered lien is

a loan where the debtor has given property as collateral and the loan is registered with

the provincial government under the Personal Property Security Act (PPSA). This is not

derogatory information.

[1] LIEN NUMBER

The number under which the lien is registered.

CAUTION FILING

Collateral brought in from another jurisdiction which

may already be subject to a security interest or to an

unpaid seller’s right to re-vindicate or resume possession

of the goods.

PRINCIPAL AMOUNT

The principal amount of the loan.

LIEN PERIOD

The number of years the PPSA must exist for.

COLLATERAL CLASS / DESCRIPTION

Description of the collateral related to the PPSA.

[2] DATE REGISTERED, AMENDMENT DATE,

MATURITY DATE AND RENEWAL PERIOD

Dates for when the lien was registered, any corrections

due to omissions or errors made, when the debt will be

fully paid, and renewal.

[3] DEBTOR NAME / ADDRESS

The person to whom the loan is given.

[4] SECURED PARTY / ADDRESS / PARTY ASSIGNOR

Shows the lender, financer or lessor.

[5] VIN

Vehicle Identification Number provides details such as

year, make, body type, etc. of the vehicle(s).

[6] OTHER REGISTERED DEBTOR

Information will be listed in this section, if any.

otHEr fiLEs inCLudEd dEtaiL

This section returns any additional information that may relate to the business, such as former

and/or changes of address, phone number, etc.

inquiriEs dEtaiL

Provides a list of recent inquiries requested on the business within the last 24 months.

CaLL Equifax todaY

1.855.233.9226

Visit us at

www.equifax.ca

EMaiL us at

[email protected]

data in its Most

poWErfuL forM.

Contact your Equifax representative now to explore which

products and services best meet your unique business needs.

of this document may be reproduced, distributed, transmitted, transcribed, stored in a retrieval system, or translated into any

language in any form by means, electronic, mechanical or otherwise, for any purpose, without the prior written consent of

Equifax Canada.