Recommended	Entities that generally exhibit a historical ability and a willingness to satisfactorily meet their obligations in a timely manner. These business reports usually have positively defined histories on the company and its principals. Banking relationships are established and consistent. Financial condition, when stated, is typically characterized by sufficient cash flow, profitability, and/or a balanced debt to equity position.
Limited Recommendation	Entities that exhibit a capacity for creditworthiness, however, any number of factors including trade references, bank references and principal histories indicate that the capacity for creditworthiness may be reduced. Financial condition, when stated, may warrant some concern about the company's leverage position, cash flow, and/or profitability.
Inconclusive	These entities may not have complete credit information available. The amount of bank, trade and historical information may not be representative of a company's level of credit worthiness. These entities may have declined to provide detailed business, ownership or credit profile information.
High Risk	Entities that have a record of credit issues such as collection history, non-sufficient funds checks, shut-offs, chronic slowness with trade payments and/or prior business failures. Other characteristics may include an unbalanced financial condition and/or poor operating performance. These companies do not meet the Seafax standards of creditworthiness.
Significant Event	This category is based upon learned significant events that place the company's creditworthiness in question. This rating is assigned during the period between the significant event and the learned impact of the event. After investigation has revealed the consequences of the event, the Seafax Credit appraisal will then reflect the results of the investigation. The time period for Significant Event status is determined by the circumstances of the event.
Too New To Score	Entities that have been in business less than two years or have not established a majority of 24 months of supplier relationships and/or banking relationships are subject to this rating. To be eligible for a Recommended or Limited Recommendation rating, typically the subject company must have demonstrated approximately 24 months of established and satisfactory credit history with banks and trade suppliers.
Unable To Score	Entities within this category have insufficient information for Seafax to determine a company's credit worthiness. Examples can include but are not limited to: no known or obtainable bank source; insufficient trade data and in some instances Seafax may not be able to calculate a pay score; incomplete banking information; limited or no business summary information; lack of financial information. This rating can be applied to new or existing companies. Seafax business reports that are moved from an Inconclusive rating to an Unable to Score rating will not appear on the Seafax Newswire.
Cautionary Status	This category is based upon entities that have known warning signals or issues that may affect the company's level of creditworthiness. These issues or warning signals reveal concerns about the company's willingness and/or ability to honor its obligations. Characteristics may include concentration of credit risk, change of business focus, seasonal businesses, increased trade slowness, change of banking status, lawsuits, etc.
Pending	Seafax has assigned a Pending "P" rating to certain accounts as it awaits the conclusion of certain specific events that could affect its business standing. A prime example of the use of this rating would be the uncertainty of a given company renewing its existing line of credit or loan with its current lender. The length of time this rating will stay on the report depends on the status of the pending event.

Payscore	Payment Behavior
100	Discount
99	Discount/Prompt
98	Prompt
89	Slow 5 Days
79	Slow 10 Days
69	Slow 15 Days
59	Slow 20 Days
49	Slow 25 Days
39	Slow 30 Days
29	Slow 35 Days
19	Slow 40 Days
5	COD
1	Slow 45+ Days
0	Insufficient References

The Weighted PayScore is a value from 1 to 100, weighted by high credit dollars, that represents a company's payment patterns. A PayScore of "Insufficient Data" indicates an insufficient number of references to calculate the score. The Weighted PayScore is calculated on information contained in the Trade Survey section. A minimum of two references is required.

Low 3 Figures	$100 - 199
Mod 3 Figures	$200 - 399
Med 3 Figures	$400 - 699
High 3 Figures	$700 - 999
Low 4 Figures	$1,000 - 1,999
Mod 4 Figures	$2,000 - 3,999
Med 4 Figures	$4,000 - 6,999
High 4 Figures	$7,000 - 9,999
Low 5 Figures	$10,000 - 19,999
Mod 5 Figures	$20,000 - 39,999
Med 5 Figures	$40,000 - 69,999
High 5 Figures	$70,000 - 99,999
Low 6 Figures	$100,000 - 199,999
Mod 6 Figures	$200,000 - 399,999
Med 6 Figures	$400,000 - 699,999
High 6 Figures	$700,000 - 999,999
Low 7 Figures	$1,000,000 - 1,999,999
Mod 7 Figures	$2,000,000 - 3,999,999
Med 7 Figures	$4,000,000 - 6,999,999
High 7 Figures	$7,000,000 - 9,999,999
Low 8 Figures	$10,000,000 - 19,999,999
Mod 8 Figures	$20,000,000 - 39,999,999
Med 8 Figures	$40,000,000 - 69,999,999
High 8 Figures	$70,000,000 - 99,999,999
Low 9 Figures	$100,000,000 - 199,999,999
Mod 9 Figures	$200,000,000 - 399,999,999
Med 9 Figures	$400,000,000 - 699,999,999
High 9 Figures	$700,000,000 - 999,999,999
Low 10 Figures	$1,000,000,000 - 1,999,999,999
Mod 10 Figures	$2,000,000,000 - 3,999,999,999
Med 10 Figures	$4,000,000,000 - 6,999,999,999
High 10 Figures	$7,000,000,000 - 9,999,999,999
Low 11 Figures	$10,000,000,000 - 19,999,999,999
Mod 11 Figures	$20,000,000,000 - 39,999,999,999
Med 11 Figures	$40,000,000,000 - 69,999,999,999
High 11 Figures	$70,000,000,000 - 99,999,999,999