IN DATE

 D&B EUROPEAN REPORT
 DATE PRINTED 28 JUN 2002

    IDENTIFICATION                                                              

    AGGLO-BOUW VOORBEELD B.V.                                                   

    ADDRESS:                 'S-GRAVENZANDSEWEG 272
                             3151 TW HOEK VAN HOLLAND
                             NL

    TEL:                     0174-685000
    FAX:                     0174-685800

    DUNS:                    40-780-9623

    V.A.T. NUMBER:           NL 006326900B01



    CURRENCY: Shown in euro, unless otherwise stated.                           



    LANGUAGE: The information within this report is presented in the local
    language, unless translation is requested. Under certain circumstances, it
    may not be possible to translate all the text and some sections may remain
    in the local language. For more information please contact your local D&B
    Customer Service Department.
                                                                                
    EVALUATION                                                                  
                                                                                
             D&B RATING:                         1AA2                           
             MAXIMUM CREDIT:                     181,512
             AVERAGE DAYS(S) BEYOND TERMS:       23
             D&B PAYMENT SCORE:                  59                             
             ACCOUNTS INCORPORATED IN REPORT:    31-12-2000
                                                                                

    The D&B Rating of 1AA2 indicates:
             1AA  -  A Financial Strength of 6,397,847 (based on tangible Net
                     Worth)
             2    -  Represents low risk

    Factors that have been considered in assigning the D&B Risk Indicator
    include:
         -   Subject is an established business.
         -   Businesses in this employee size band have been shown to have a
             lower than average risk.
         -   The parent company is minimal risk.

    The D&B 'maximum credit recommendation' for this business is 181,512.

    The D&B Payment Score of 59 corresponds to an average of 23  day(s) beyond
    terms.
                                                                                
    SUMMARY                                                                     


    STARTED:         1923                 SALES:                        42,050
    DATE INC:        1972                 (THOUSANDS) As at 31-12-2000
    LEGAL FORM:      BV                   PROFIT/(LOSS):                 4,870
    REG. CITY:       'S-GRAVENHAGE        (THOUSANDS)
    REG NO:          27654321             NET WORTH:                     7,391
    EMPLOYS:         360                  (THOUSANDS) As at 31-12-2000
    NOMINAL CAPITAL: 5,445,363
    ISSUED CAPITAL:  2,722,681
    PAID UP CAP:     1,815,121

    LINE OF BUSINESS:        HOUSE BUILDING CONTRACTORS
                             RESIDENTIAL BUILDING CONTRACTORS
                             NONRESIDENTIAL BLDG CONTRACTORS
                             ROAD BUILDERS
                             BRIDGE, TUNNEL & ELEVATED ROAD BUILDERS

    SIC CODE(S):             1521     1522     1542     1611     1622


                                                                                
    SPECIAL EVENTS                                                              

    Critical legal notice information filed is investigated by D&B Analysts,
    and where relevant, comment is presented in this section.

    All bankruptcies and suspension of payments registered at the district
    courts are processed daily and entered into the D&B database.  For this
    particular company there is no registration of a bankruptcy or suspension
    of payments in the D&B database.
                                                                                
    BANKERS                                                                     

    Onbekend.

                                                                                
    PRINCIPALS                                                                  


    Any amount without specified currency in this section below is in Dutch
    Guilders.

    PRINCIPALS ANTECEDENTS

    Name:            PIETER  FIJTEN                                             
                     Manager                                                    
    Born:            23-12-1965 SCHIEDAM
    Address:         PARKWEG 345, 3119 CK SCHIEDAM
    Responsibility:  In this position since: 1-1-99. Has joint authority in
                     the business.

    Name:            ADELBERT J. FOPMA                                          
                     Manager                                                    
    Born:            24-12-1948 RHOON
    Address:         MOLSHOEK 7, 3224 AH HELLEVOETSLUIS
    Responsibility:  In this position since: 1-12-78. Has joint authority in
                     the business.

    Name:            ARIE N. BROUWERS                                           
                     Supervisory Director                                       
    Born:            14-07-1927 KERKDRIEL
    Address:         SPARTAVELD 116, 4142 TG LEERDAM
    Responsibility:  In this position since: 1-7-97.

    ADELBERT J. FOPMA, is also recorded as:
    - Manager of KLIVARBO B.V., EINDHOVEN DUNS 40-780-9631.
                                                                                
    PAYMENT HABITS                                                              


    INDUSTRY COMPARISON - THIS QUARTER ONLY                                     
    Based on the 98 firms in SIC code 1521 where D&B has payment experiences.

         UPPER SEGMENT (Top 25%)                         SCORE = 80
             Pays Within Terms

         MEDIAN SEGMENT (Middle 50%)                     SCORE = 68
             Pays 17 day(s) Beyond Terms

         LOWER SEGMENT (Bottom 25%)                      SCORE = 58
             Pays 24 day(s) Beyond Terms
                                                                                
    FINANCIAL COMPARISONS                                                       

                                       Group            Group            Group  
                                  31-12-1998       31-12-1999       31-12-2000  
                                         EUR              EUR              EUR  
                                       '000s            '000s            '000s  

 Net Sales                           35,582           38,559           42,050
 Profit (Loss)                        2,209            3,587            4,870
 Net worth                            6,398            6,872            7,391
 Tot. Non Curr. Assets                  432              446              427
 Current Assets                      27,719           28,855           29,321
 Current Liabilities                 21,007           21,576           21,494
 Working Capital                      6,712            7,280            7,828
 Employees                              355              342              346

    (Number of employees is not in thousands)

                                                                                
    KEY PERFORMANCE RATIOS                                                      

                                  31-12-1998       31-12-1999       31-12-2000  

 FINANCIAL STATUS                                                               
 Acid Test (X)                           1.3              1.3              1.4
 Current Ratio (X)                       1.3              1.3              1.4
 Solvency Ratio (%)                    340.0            326.4            302.5
 Fixed Assets/Net Worth (%)              6.7              6.5              5.8

 ASSET UTILITY                                                                  
 Collection Period (Days)              125.2            119.3            114.2
                                                                                
    FINANCIAL STATEMENT                                                         

    If the accounts were originally filed in Dutch Guilders some items may not
    balance exactly due to rounding issues on conversion.

                                                 Consolidated
 Closing date                                      31-12-2000                   
 Currency                                                 EUR                   

 ASSETS                                                 '000s                   

 Land & Buildings                                        231
 Fixtures & Equipment                                    156
 Other Fixed Assets                                       40

 Total Fixed Assets                                      427

 Tot. Non Curr. Assets                                   427

 Accounts Receivable                                  13,156
 Group/Assoc/Other Expenses                            1,114
 Other Receivables                                    10,511

 Total Receivables                                    24,780

 Cash                                                  4,541

 Total Current Assets                                 29,321                    

 TOTAL ASSETS                                         29,748                    
                       ---------------------------------------------------------

 LIABILITIES                                            '000s                   

 Total Stock Equity                                    7,391

 Deferred Taxation                                       280
 Prov for Pensions etc                                   305
 Other Provisions                                        277

 Prov. Allowances                                        863


 Accounts Payable                                     10,386
 Tax & Social Security                                 1,024
 Other Current Liabs.                                 10,084

 Total Current Liabs.                                 21,494                    

 TOTAL LIABILITIES                                    29,748                    
                       ---------------------------------------------------------
 Closing date                                      31-12-2000                   
 Currency                                                 EUR                   
 PROFIT AND LOSS ACCOUNT                                '000s                   

 Net Sales                                            42,050
 Variation in Inventory                                  510
 Total Income                                         42,560

 Cost of Goods Sold                                   33,277

 Gross Profit                                          9,283

 Total Operating Charges                               2,975

 Net Operating Income                                  6,308

 Total Financial Income                                  299

 Total Financial Expenses                                232

 Profit Before Tax                                     6,375

 Net Taxation                                          1,506
 Profit/Loss on Ord.                                   4,870

 Profit After Tax (Loss)                               4,870

 Net Profit                                            4,870


 Number of Employees                                     346

    (Number of employees is not in thousands)
                                                                                
    CORPORATE STRUCTURE                                                         

    CAPITAL                                                                     
    Nominal capital : 5,445,363
    Issued capital 2,722,681
    Paid up capital 1,815,121

    PARENT COMPANY                                                              



    Any amounts in this section below without specified currency are in the
    national currency of the parent.



             IMMEDIATE PARENT

             NAME:           KLIVARBO B.V.
                             EINDHOVEN
                             NEDERLAND
             D-U-N-S NUMBER: 40-780-9631
             Interest:       100%


    SUBSIDIARIES                                                                

    Any amounts in this section below without specified currency are in the
    national currency of the subsidiary.


    DRE P.A., DINTELOORD, DUNS: 40-780-9649, ownership: 100%
                                                                                
    HISTORY/OPERATIONS                                                          

    HISTORY                                                                     
    Business started 02-03-1923
    Business started as Besloten vennootschap
    Continuation: 30121972 as BV, gewone struktuur
    Limited liability company, in existence in present legal form since
    30-12-1972
    Inscribed in the Mercantile Register of 'S-GRAVENHAGE No. 27654321


    OPERATIONS                                                                  

    SIC CODE(S):   1521     1522     1542     1611     1622

    HOUSE BUILDING CONTRACTORS
    RESIDENTIAL BUILDING CONTRACTORS
    NONRESIDENTIAL BLDG CONTRACTORS
    ROAD BUILDERS
    BRIDGE, TUNNEL & ELEVATED ROAD BUILDERS

    Aannemer burgerlijke- en utiliteitsbouw; Aannemer wegen-, brug- en
    tunnelbouw. De onderneming is per 14.04.1994 gecertificeerd volgens de
    NEN-norm ISO 9001.


    Employees:          360 as at 05-2002
    Former number of    360, 360, 360,
                                                                                
    MANAGEMENT COMMENT                                                          


    Any amount without specified currency in this section below is in Dutch
    Guilders.

    De onderneming was in 1996 betrokken bij het geruchtmakende faillissement
    van Bibobouw BV te Genemuiden. De vordering van Agglo-Bouw Voorbeeld BV op
    dit bedrijf bedroeg ruim 1,4 mln. Hoewel dit faillissement nog steeds niet
    volledig is afgewikkeld, is de vordering op Bibobouw wel al volledig
    afgeschreven, hetgeen ten laste van de resultatenrekening van 1996 is
    gebracht. Een eventuele uitkering zal daarom als buitengewone bate worden
    geboekt.

    De onderneming schrijft de resultaatverbeteringen over boekjaar 2000 toe
    aan de oplevering van enkele grote projecten. Verder konden door eerder
    getroffen reorganisatiemaatregelen de kosten relatief worden teruggebracht
    en de marges worden verbeterd.