Activa

Cash and cash equivalents consist of cash, and bank time deposits and other short-term investments with a period of three months or less of the date of placement and is not used as collateral on the debt and its use is not restricted.

Provision Receivables Raisonable

Provision doubtful receivables is determined based on the study of the periodic accounts receivable of each customer at the end of the year, percentage elimination receivables doubtful of the amount of consumer receivables financing is 0.95% on 31 December 2005, management believes that elimination receivables doubt on consumer receivables financing is sufficient to cover the unbenefit that may arise from the receivables are not gibe ti back.

Billing Anjak Receivables

Billing anjak receivables arising on the purchase of receivables with regresse rights (recourse) imposition of interest (Interest Bearing) stated amount of receivables that can be realized that the same value with the amount of reduced revenue pending. Interest income is recognized in accordance with its periode (accrual basis) and interest income that has not been presented as part of interest on the receivables transaction anjak receivables, except for interest income that is due three months or more and the management of difficult billed.