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Reference: aa/aa      
           
*IN DATE*   LAST FULL REVISION: NOV 15 2004
24-815-9949   MOST RECENT UPDATE: NOV 15 2004
BPSR Corporation   RATING 3A3
(Foreign parent is XYZ Holdings Inc,   Also branches
London, England)        
   BPSR Novelties   SUMMARY
   BPSR Things   CONTROL YR 1980
   BPSR Analysis   SALES F 22,024,258
   BPSR Tapes   WORTH F 2,540,339
      EMPLOYS 195-197
123 Fourth St (D&B Test Case 2)     (100-102 here)
Toronto ON M8V 2Y6   RECORD Clear
      CONDITION Fair
      OPERATION Department stores
      SIC 5311 5961
TEL: 905 555-4472        
FAX: N/A        
Terry Smith, Pres        
PAYMENTS          
D&B Canada receives millions of payment experiences each year. We enter these new and updated experiences into D&B Reports as this information is received. Below is a summary of the company's payments, segmented by the amount of credit extended.
           
          % TOTAL HIGH CREDIT AMOUNT
  NUMBER AMOUNT     DISCT ---- DAYS SLOW ----
IN FILE: OF EXP ($)     PROMPT 1-30 31-60 61-90 91+
          % % % % %
12 months ending Nov 2004 16 210800     67 19 10 4 0
3 months ending Nov 2004 6 115000     61 17 15 7 0
                   
Credit extended: $100.+ 0 0     0 0 0 0 0
($000) $50-99.9 0 0     0 0 0 0 0
  $15-49.9 6 150000     73 17 5 5 0
  $5-14.9 8 59000     52 24 24 0 0
  $1-4.9 1 1000     50 50 0 0 0
  less than $1.0 1 800     100 0 0 0 0
                     
  Trade at net terms 12 145000     70 10 15 5 0
  Trade at discount 4 65800     62 38 0 0 0
  Cash Experiences 0 0      
  Placed for Collection 0 0      
  Unfavourable Comments 0 0      
           
Note: In some instances, payments beyond terms can be the results of overlooked invoices or disputed accounts. Remember that accounts are sometimes placed for collection even though the existence of debt, or the amount, is disputed.
INDUSTRY PAYMENTS          
Below is a summary of the company's dollar-weighted payments, segmented by the suppliers' primary industries:
           
      TOTAL LARGEST   % ---- DAYS SLOW ----
  TOTAL DOLLAR HIGH   W/IN        
  RCV'D AMOUNTS CREDIT   TERMS 1-30 31-60 61-90 91+
          % % % % %
Total in D&B's file 25 360000 45000            
                   
Top 10 Industries:                  
                   
1 CREDIT/COLLEC AGNCY 5 51800 25000   71 10 19 0 0
2 DEPARTMENT STORE(S) 3 75000 45000   50 10 0 40 0
3 MFR WOMEN'S DRESSES 2 50000 45000   95 5 0 0 0
4 PETROLEUM REFINING 2 45000 35000   61 39 0 0 0
5 PULP MILLS 2 6000 5000   50 50 0 0 0
6 HOLDING COMPANIES 1 45000 45000   50 50 0 0 0
7 WHL MILLWORK 1 15000 15000   50 50 0 0 0
8 NONRES REAL EST OPR 1 15000 15000   100 0 0 0 0
9 COMPUTER SERVICES 1 8000 8000   0 50 50 0 0
10 RET WOMEN'S WEAR 1 6000 6000   0 100 0 0 0
           
11 OTHER INDUSTRIES 4 13200 5000   53 38 9 0 0
           
Other Payment Categories:          
Cash experiences 0 0 0    
Payment record unknown 2 30000 25000    
Unfavorable comments 0 0 0    
Placed for collection          
     with D&B 0 0      
     other 0 N/A      
           
The highest "Now Owes" on file is $45,000.  
The highest "Past Due" on file is $10,000.  
DETAILED PAYMENT EXPERIENCES          
           
DATE
REPORTED		 PAYMENT
RECORD 		HIGH
CREDIT

NOW
OWING

 PAST
DUE		   SELLING
TERMS 		  LAST SALE
                     
11-2004 Ppt 5000 2000 0   N30     1 mo
10-2004 Slow 30-70 15000 10000 10000   N30     4-5 mos
    5000 5000 0   N30        
  First sale                  
09-2004 Ppt 45000 45000 0   N45        
  Ppt-Slow 15 35000 30000 2000   2% 10 N30   2-3 mos
  Ppt-Slow 15 5000 2000 0   N15     1 mo
  Ppt-Slow 90 25000 25000 1000   N45        
  Dispute                  
  Slow 45 10000 2000 2000   N45     4-5 mos
08-2004 Ppt 25000 0 0   N30     1 mo
  Satisfactory                  
  Ppt-Slow 15 1000 500 0   N30     2-3 mos
  Ppt-Slow 30 10000 0 0   N45     4-5 mos
  Satisfactory                  
  Slow 15-45 8000 8000 1000   N30        
07-2004 Ppt 15000 10000 0   2% 10 N45   1 mo
  Ppt-Slow 30 15000 2000 2000   1% 15 N30   2-3 mos
06-2004 Ppt 6000 6000 0   N30     1 mo
  Ppt-Slow 15 5000 2000 100   N30        
05-2004 Ppt 10000 0 0   N45     1 mo
04-2004 Disc-Ppt 800 0 0   1% 10 N30   1mo
09-2003 Ppt 700 100 0   N15     1 mo
  Ppt-Slow 45 2500 2500 2500   N45     2-3 mos
  Ppt-Slow 90 45000 3500 750   N45     4-5 mos
  Slow 15-30 5000 0 0   N30     4-5 mos
08-2003 Ppt 15000 5000 0   Dating Given      
  Ppt-Slow 30 45000 8000 0   N30     2-3 mos
  Slow 15 6000 5000 2000   N45     1 mo
FINANCE   12-31-2001
Fiscal		     12-31-2002
Fiscal		   12-31-2003
Fiscal
         
               
  Current Assets 4,537,754     5,012,500   4,915,019
  Current Liabs 3,464,608     4,078,106   4,218,142
  Total Assets 6,976,008     7,383,604   7,535,702
  Long Term Debt 1,149,708     834,189   776,221
  Tangible Worth 2,361,692     2,470,309   2,540,339
  Sales 19,541,800     20,400,170   22,024,258
  Net Income 776,134     109,617   69,030
                     
  Prepared from Financial Statement 12-31-2003, Fiscal.        
             
  Cash & Deposits 10,821   Accounts Payable 2,958,555    
  Accts Receivable 470,588   Notes Payable 107,487    
  Inventory/Materials 4,425,612   Owing Bank(s) 1,152,100    
  Other Curr Assets 5,998                
  Marketable Realties 1,000                
  Short Term                  
  Investments 1,000                
                     
  Current Assets 4,915,019   Current Liabilities 4,218,142    
                     
  Fixed Assets 2,455,425   Long Term Debt 725,000    
  Organization Exp 1,000   Other Non-Curr Liab 50,221    
  Other Non-Curr Asst 163,258   Dividends 1,000    
  Inter-Company Loans 1,000   Equity 2,541,339    
                 
  Total Assets 7,535,702   Total Liabilities 7,535,702    
       
  Profit & Loss from statement for the 12 months ending 12-31-2003: Sales 22,024,258. Gross Income 9,908,722. Net income after taxes 69,030. At start amount 2,470,309. Net Income 69,030. At end amount 2,540,339.    
  Net Worth in Summary Section was computed after deduction of intangibles.    
  Accountant: Brown & Brown Co, CA's, Anyton, ON. Audited statement with qualifications, details available from Dun & Bradstreet.    
  11-15-2004 Bob Henderson, Controller, declined current financial information but referred to the previously submitted figures as still indicative.    
  Lease expires 01-2001.    
       
  11-15-2004 Bob Henderson, Controller, submitted the following estimates:    
  Projected 12 months ending 12-31-2004: Sales 24,000,000.    
PUBLIC RECORD                  
  06-01-2003 subject registered Debenture in favour of International Bank of Canada. Amount: 750,000. (TORc1438765)    
       
  03-08-2003 suit was registered against subject by D C Enterprises Limited in connection with claims. Amount: 25,000. (TOR124576)    
       
  09-16-2003 suit was registered against subject by Redbud Homes Limited in connection with services rendered. Amount: 40,000. (YKU129300)    
       
  01-10-2003 suit was registered against subject by Brook Hansen in connection with claims. Amount: 1,000. (YKU249100)    
       
  03-01-2003 judgment was rendered against subject in favour of V M International Inc in connection with damages. Amount: 5,000. (TOR43211432)    
       
  11-30-2003 Notice of crystalization was registered against BPSR Facilities by LL Towing. (Assignor: Other Companies Ltd) Amount (USD): 20,000. (12345)    
       
  04-01-2002 investigation revealed this has been dismissed 12-30-1999    
       
  02-01-2004 Construction Lien was registered against subject et al by Nation-Wide Reinforcing Co. (1987) Ltd. Amount: 350,199. ( CLA3875)    
       
  03-04-2004 Bob Henderson, Controller, reported this has not been settled.    
       
  05-05-2003 BPSR Things registered financing statement in favour of Creditco. Amount: n/a. (12354)    
       
  07-30-2003 subject registered financing statement in favour of Global Leasing Ltd. Amount: n/a. (QAC3849)    
       
  08-10-2003 subject registered financing statement in favour of Euro Bank Canada. Assets covered: book debts, inventory/materials, fixtures. Amount: n/a. (Mir429-R12)    
       
  02-28-2003 subject registered financing statement in favour of Eastern Leasing etal. Assets covered: equipment. Amount: n/a. (CLA4583)    
HISTORY      
  Corporation registered ON law 05-19-1980. Name changed 04-30-1998 from BPSR Company Inc to that in use. Business commenced 11-22-1967 by Harry Brown. Present control succeeded 06-01-1980. Officers and directors are elected every 3 years.    
       
  TRADE STYLE    
  -----------    
  BPSR Novelties, registered 04-04-1998.    
  BPSR Things, unregistered.    
  BPSR Analysis, unregistered.    
  BPSR Tapes, registered 1982.    
  BPSR Video, unregistered.    
  BPSR Communications, registered 01-1992.    
       
  Smith, Terry, Pres, director. In current position since 1980. 1973-1980 Maritime Department Stores Inc. 1970-1973 Canada Sport Stores Ltd/V Pres - Finance.    
  Henderson, Bob, Controller, director, CA. Active with subject since 1988. 1980-1988 National Foods Ltd/Controller. 1975-1989 Grocers Ltd/Controller.    
  Lawrence, Trevor, director. Not active in daily affairs. Currently X Y Z Holdings Inc, London England/Chairman of the Board.    
  Bland, Sam, director. 1995 to date Blandco. 10 years of experience in this line of business prior to commencing subject.    
       
  RELATED CONCERNS    
  ----------------    
  Southern Stores Ltd, Yourtown ON    
  234234234 Ontario Limited, Anytown ON    
  Atlantic Stores Ltd, Cityville NS    
  Furniture Clearance Ltd, Communityside ON    
OPERATION      
  100% foreign subsidiary of XYZ Holdings Inc, London, England (DUNS: 81-156-9045). Intercompany relationship: consists of merchandise transactions, guarantees of certain liabilities.    
5311 0001 Operates department stores 70%.    
5961 0007 Operates mail order house 30%.    
  Part of the work subcontracted.    
  Principal clients: general public, special trades. Principal territory: local. Imports. Principal selling terms: 2% 10 net 30 20%, cash 50%. 25 active accounts (20 active accounts last year).    
  Employs 195-197, (100-102 here). Including 3 part-time. (Employed 175-180 last year).    
  FACILITIES: Rents suitable space, concrete block building.    
  LOCATION: Central business section.    
       
  BRANCHES    
  --------    
  Subject maintains 2 branches:    
  5460 Yonge St., Markham, ON, employs 50. 18 Maple Ave, Markham ON, employs 45.    
       
  SUBSIDIARIES    
  ------------    
  Quality Stores Ltd, Mississauga, ON (DUNS: 20-563-2396)    
  /** (301/975/730/701)   E E 1       H    81-156-9045 **/    
  International Bank, 22 Chestnut St, Markham, ON.    
       
DISCLAIMER: THIS REPORT MAY NOT BE REPRODUCED IN WHOLE OR IN PART IN ANY FORM OR MANNER WHATSOEVER. This report, furnished pursuant to contract for the exclusive use of the subscriber as one factor to consider in connection with credit, insurance, marketing or other business decisions, contains information compiled from sources which D&B CANADA does not control and whose information, unless otherwise indicated in the report, has not been verified. In furnishing this report, D&B CANADA in no way assumes any part of the user's business risk, does not guarantee the accuracy, completeness, or timeliness of the information provided, and shall not be liable for any loss or injury whatever resulting from contingencies beyond its control or from negligence.

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