Corporate Responsibility and Sustainability

People
•We foster a culture of respect and inclusion in various ways including through unconscious bias and diversity training, gender diversity tracking, and global cultural appreciation initiatives. • We value diverse viewpoints and experience, including having more than 27% female representation on our Board and 40% female representation in executive leadership positions. • We create opportunities for professional growth through competitive remuneration and employee training and development programs and reinforce our pay-for-performance culture through reward and recognition programs for high performers • We attract and retain talent by offering competitive pay and benefits such as maternity/paternity leave and backup childcare, as well as programs including wellness incentives and education reimbursement.

People

•We foster a culture of respect and inclusion in various ways including through unconscious bias and diversity training, gender diversity tracking, and global cultural appreciation initiatives.

• We value diverse viewpoints and experience, including having more than 27% female representation on our Board and 40% female representation in executive leadership positions.

• We create opportunities for professional growth through competitive remuneration and employee training and development programs and reinforce our pay-for-performance culture through reward and recognition programs for high performers

• We attract and retain talent by offering competitive pay and benefits such as maternity/paternity leave and backup childcare, as well as programs including wellness incentives and education reimbursement.

Community
Volunteering/Charitable Giving • We encourage employee community service and support through corporate matching programs, paid time off for certain volunteering activities, our annual day of giving, company-sponsored volunteer opportunities, and corporate giving and fundraising. • Our employee volunteers teach financial literacy and responsible finance to students globally and provide holistic support and education to underprivileged children. • Our employees volunteered a collective 25,000 hours in 2019. Environmental Sustainability • We minimize our environmental footprint through smart resource use, including recycling programs, plastic-free breakrooms/cafeterias, and powering our business with renewable energy where possible. • We practice responsible sourcing in various areas, for example by using SFI® Certified paper. • We partner with our employees to reduce our carbon footprint by providing car-share incentives, electric car charging ports, and switching from diesel to CNG-run (low CO2 emission levels) taxis for employee transport.

Community

Volunteering/Charitable Giving

• We encourage employee community service and support through corporate matching programs, paid
time off for certain volunteering activities, our annual day of giving, company-sponsored volunteer
opportunities, and corporate giving and fundraising.
• Our employee volunteers teach financial literacy and responsible finance to students globally and
provide holistic support and education to underprivileged children.
• Our employees volunteered a collective 25,000 hours in 2019.

Environmental Sustainability

• We minimize our environmental footprint through smart resource use, including recycling programs,
plastic-free breakrooms/cafeterias, and powering our business with renewable energy where possible.
• We practice responsible sourcing in various areas, for example by using SFI® Certified paper.
• We partner with our employees to reduce our carbon footprint by providing car-share incentives,
electric car charging ports, and switching from diesel to CNG-run (low CO2 emission levels) taxis for
employee transport.

Operating Ethically and Effectively
Consumer Experience • We pride ourselves on a consumer-centric collection approach that focuses on transparency and honesty in our communications and provides robust disclosures, hardship guidelines, credit reporting grace periods, among other things. • We promote a strong culture of treating consumers with respect, which is guided, in the US., by our industry-first Consumer Bill of Rights. • In Europe, our customer-centric business model focuses on “Helping each and every customer towards financial recovery.” • We advocate for consumer-first policies with U.S. lawmakers and maintain a strong, open and transparent relationship with our European regulators. Operating Responsibly • We hold ourselves to the highest ethical practices and decision making as guided by our Standards of Business Conduct. • We invest in data security and advanced technologies to comply with the General Data Protection Regulation 2016/679 (“GDPR”), PCI security standards, and earning an ISO 27001:2013 certification. • We ensure supplier and vendor integrity through a robust third-party due diligence process. • Our CMS is designed to ensure we follow all rules, regulations and guidelines for our industry. • We invest in disaster recovery and business continuity to ensure we are operationally resilient. • We proactively manage our business and compliance risks through our dedicated Risk Committee. • We follow a Three Lines of Defense risk management framework for effective oversight.

Operating Ethically and Effectively

Consumer Experience

• We pride ourselves on a consumer-centric collection approach that focuses on transparency and
honesty in our communications and provides robust disclosures, hardship guidelines, credit reporting
grace periods, among other things.
• We promote a strong culture of treating consumers with respect, which is guided, in the US., by our
industry-first Consumer Bill of Rights.
• In Europe, our customer-centric business model focuses on “Helping each and every customer towards
financial recovery.”
• We advocate for consumer-first policies with U.S. lawmakers and maintain a strong, open and
transparent relationship with our European regulators.

Operating Responsibly

• We hold ourselves to the highest ethical practices and decision making as guided by our Standards
of Business Conduct.
• We invest in data security and advanced technologies to comply with the General Data Protection
Regulation 2016/679 (“GDPR”), PCI security standards, and earning an ISO 27001:2013 certification.
• We ensure supplier and vendor integrity through a robust third-party due diligence process.
• Our CMS is designed to ensure we follow all rules, regulations and guidelines for our industry.
• We invest in disaster recovery and business continuity to ensure we are operationally resilient.
• We proactively manage our business and compliance risks through our dedicated Risk Committee.
• We follow a Three Lines of Defense risk management framework for effective oversight.

Awards and Achievements
Encore and our subsidiaries have been honoured by several organisations for our achievements in the past year. Category Award/Achievement Diversity and Inclusion • “Winning Company for Female Board Representation” by 2020 Women on Boards (U.S.) • “100 Best Companies for Women in India” by Working Mother Media & AVTAR Group • Champions 2019 Most Inclusive Companies Index by Working Mother Media & AVTAR Group (MCM India) Volunteerism • “U.S. Presidential Volunteer Service Award” by the Corporation for National and Community Service (2019, 2018, 2017, 2016, 2015) • “Top Employer Assisted Volunteer Team” and “Overall Employer Assisted Volunteer Team of the Year” from the Kent Messenger Volunteering Awards (Cabot Financial) Customer Service Excellence • “Best Vulnerable Customer Support Strategy” Award at the 2019 Collections and Customer Service Awards (Cabot Financial) • “Debt Purchaser of the Year” (Cabot Financial), “Best Vulnerable Customer Strategy Provider” (Cabot Financial), and “Law Firm of the Year” (Mortimer Clark Solicitors) at Credit Today’s Credit Awards • “Best Legal Service Provider” at the 2019 Collections and Customer Service Awards (Mortimer Clark Solicitors) • ICS Service Mark accreditation by the Institute of Customer Service (Cabot Financial) Employee Advocacy • “Employee Engagement Strategy of the Year” at the Institute of Customer Service UK Satisfaction Awards • “India’s Best Workplaces” by Great Place to Work India • “Team Manager Award- Silver” at the UK National Contact Centre Awards (Wescot) • “Top 30 under 30” by Hull and Humber (Wescot)

Awards and Achievements

Encore and our subsidiaries have been honoured by several organisations for our achievements in the past year.

Category Award/Achievement

Diversity and Inclusion

• “Winning Company for Female Board Representation” by 2020
Women on Boards (U.S.)
• “100 Best Companies for Women in India” by Working Mother
Media & AVTAR Group
• Champions 2019 Most Inclusive Companies Index by Working
Mother Media & AVTAR Group (MCM India)

Volunteerism

• “U.S. Presidential Volunteer Service Award” by the Corporation
for National and Community Service (2019, 2018, 2017, 2016,
2015)
• “Top Employer Assisted Volunteer Team” and “Overall
Employer Assisted Volunteer Team of the Year” from the Kent
Messenger Volunteering Awards (Cabot Financial)

Customer Service Excellence

• “Best Vulnerable Customer Support Strategy” Award at the
2019 Collections and Customer Service Awards (Cabot Financial)
• “Debt Purchaser of the Year” (Cabot Financial), “Best
Vulnerable Customer Strategy Provider” (Cabot Financial), and
“Law Firm of the Year” (Mortimer Clark Solicitors) at Credit
Today’s Credit Awards
• “Best Legal Service Provider” at the 2019 Collections and
Customer Service Awards (Mortimer Clark Solicitors)
• ICS Service Mark accreditation by the Institute of Customer
Service (Cabot Financial)

Employee Advocacy

• “Employee Engagement Strategy of the Year” at the Institute of
Customer Service UK Satisfaction Awards
• “India’s Best Workplaces” by Great Place to Work India
• “Team Manager Award- Silver” at the UK National Contact
Centre Awards (Wescot)
• “Top 30 under 30” by Hull and Humber (Wescot)