Information Group. 2010/11. Further acquisitions pbl, Latitude, The Trading Floor, TenantID, GMAP Japan KK was also formed.

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2 An Introduction Who we are We are experts in managing consumer data for businesses across every sector, within the UK and around the world. From financial services, retail and utilities to public sector, telecoms, insurance and many more, our c.1000 employees focus on developing innovative products and services to help businesses make smarter, more informed decisions throughout the customer lifecycle. Our leading edge approach to deploying consumer information enables our clients to cost effectively identify, engage and convert more new customers whilst optimising existing customer profitability. Our history Callcredit was formed in November 2000 following a number of business acquisitions. Three years later, in 2003, information businesses, Callcredit, EuroDirect and GMAP Consulting were brought together under the umbrella name of the Skipton Information Group. A year later the Group opened a regional office in Japan. In 2007, the Group further added to its product and service offering by acquiring Legatio and DecisionMetrics which was followed a year later by the acquisition of the communications company, Broadsystem. In June of 2008 the company rebranded to Callcredit Information Group. Over the next few years the Group continued to expand rapidly and made a series of additional acquisitions, including pbl (process benchmarking limited),the Trading Floor, Latitude and TenantID. The Group has continued to grow with the formation of GMAP Japan KK in 2011, which was closely followed by Noddle and in 2012 Callcredit Operations UAB (in Lithuania). 2013/2014 saw further expansion of the Group with the acquisition of targeted online consumer data and leads provider, Lifestyles Online, the opening of GMAP China, and to extend its public sector offering further, the acquisition of Coactiva. In 2014 the business was acquired by GTCR, a private equity business and saw the appointment of a new CEO followed by a new CFO in Callcredit, EuroDirect (est. 1991) and GMAP (est. 1997) were brought together under the name Skipton Information Group Broadsystem (est.1984) was acquired. Renamed Callcredit Information Group 2010/11 Further acquisitions pbl, Latitude, The Trading Floor, TenantID, GMAP Japan KK was also formed. Acquisitions of Lifestyles Online. GMAP China opened in Shanghai Appointment of new CFO Callcredit was formed Legatio and Decision Metrics were acquired. Opened a regional office in Japan 2009 Management team led a Management Buy Out (MBO) backed by Vitruvian Partners, a private equity business Noddle and Callcredit Operations UAB (Lithuania) were founded. Acquisition of Coactiva. Management team led an MBO backed by GTCR, a private equity business. Appointment of new CEO

3 Group Structure Marketing Solutions Database marketing solutions Consumer analysis and segmentation Database building and management Integrated online and offline data solutions Marketing and predictive modelling Digital marketing Credit Solutions Innovative credit referencing tools Credit scoring and analytics Affordability assessment Identity verification and bank account validation Collections and recovery tools Credit risk and benchmarking services Consumer Markets Noddle Credit Compass Online consumer solutions Payment platforms Software Analytics and Fraud Division Multi bureau solutions Multi-Bureau retro processing and Analytical support Decision Engine & Application Processing Solutions Credit Risk consultancy Scorecards and Analytical solutions Scorecard Monitoring solutions Fraud Prevention Identity Verification Sectors we operate in Financial Services Retail Utilities Gaming Travel, Tourism and Leisure Telecoms Automotive Charities Media/Publishing Legal, Property and Accountancy Public Sector Insurance Mail Order Short Term Lending Where we operate Callcredit has a worldwide client base, with activity in all global regions. Between our own overseas operations and our international partners, we can provide data and consultancy for almost every consumer market. Americas: Brazil Canada Mexico US Western Europe: Austria Belgium Denmark Finland France Germany Italy Netherlands Norway Portugal Rep. of Ireland Scotland Spain Sweden Switzerland United Kingdom UAE Dubai Eastern Europe & The Baltics: Czech Republic Estonia Hungary Poland Romania Russia Slovakia Turkey Oceania: Australia New Zealand Asia: China Hong Kong India Japan Korea Philippines Singapore Taiwan

4 Our Board of Directors Mike Gordon - Chief Executive Officer Prior to joining Callcredit Mike was executive Vice President of sales, services, and marketing at FICO. Previously Mike was FICO s Vice President and Managing Director for Europe, the Middle East and Africa while also leading the global banking practice. He also led the Emerging Industries and Technologies business unit; these included FICO s insurance, retail, health care and pharmaceutical markets, as well as its Decision Management Tools group. Prior to joining FICO in 2005, Mike spent more than 13 years in the financial services industry. As a Vice President at Capgemini (formerly Ernst & Young Consulting LLP), his core competency was in providing strategic and operational solutions to banking and insurance providers, and he led the Insurance Centre of Excellence and Solutions. Graham Lund - UK Managing Director Graham joined Callcredit from Experian, where he was responsible for developing and implementing their future strategy for decision processing and value added solutions in the UK and other markets. He has also worked as a Consultant within the Credit and Risk industry, and began his career at Lloyds Bank. Graham is responsible, along with the divisional Managing Directors and the Executive team, for implementing the agreed strategy and delivering the annual budget for the UK business and ensuring the UK business meets its targets and continues to develop, both organically and via acquisitions. Adrian Mitri - Chief Operating Officer Having joined Callcredit Information Group in September 2010 as Chief Operating Officer, Adrian is key to ensuring the company maintains rapid growth through acquisitions and winning market share whilst continuing to meet customers needs. Adrian joined Callcredit from Allianz Insurance where he was the Director of Retail Operations. Prior to this Adrian held positions at Lehman Brothers, Global Home Loans and Equifax, amongst others. Mark Davison - Chief Data Officer Mark is a senior executive, and has been part of the leadership team successfully leading Callcredit Information Group since This journey has been highlighted by two private equity backed MBOs delivering significant value growth for its investors. He currently holds the position of Chief Data Officer on the Executive Board. In this role he looks to constantly drive increased value from existing and new data assets across the globe. He is passionate about ensuring Callcredit continues to do what it does best - driving innovation back into market sectors and delivering world-class solutions. Gary Scott - Managing Director, Software, Analytics and Fraud Gary joined Callcredit in 2007 when the Group acquired a majority stake in DecisionMetrics. Prior to founding DecisionMetrics in 2004, Gary spent 14 years at Scorex (UK) Limited. He was appointed as Managing Director of Scorex in 1997 with responsibility for Scorex s operations in the UK and Northern Europe. Gary has over 30 years experience in financial services, specialising in credit scoring and automated decisioning systems. In his early career, Gary worked for Lloyds Bank, Lombard Tricity Finance and Lombard Bank. Jacqueline Dewey - Managing Director, Consumer Markets In March 2014 Jacqueline Dewey became Managing Director for Consumer Markets to lead the development of the Group s consumer propositions, prior to which she held the position of Marketing Director for Noddle (Callcredit s free for life credit report service). Jacqueline has very strong financial services and consumer monetisation experience most recently with Barclays Bank. David Ross - Chief Technology Officer David joins the business with 19 years experience in advanced analytics and decision management software, most recently at FICO where he was Vice President leading their Decision Management Tools product suite, responsible for the product and technology strategy for these software products and solutions. Will Lowe - Managing Director, Marketing Solutions Will joins Callcredit from dunnhumby where he spent 10 years in a variety of roles within the UK and internationally. Most recently Will led dunnhumby s Communications and Media business which turns individual consumer understanding at scale into integrated, one-to-one marketing programmes, driving growth for dunnhumby s retail partners and participating brands. Will was also responsible for monetising the data and media assets for Tesco, in the UK and overseas. Before joining dunnhumby Will worked in Brand Marketing for Nestle and Diageo. Eamonn Tierney Managing Director, Credit Solutions Eamonn joined Callcredit in 2010 to lead the Business Development teams responsible for growth across key sectors before becoming MD in Prior to joining Callcredit, he had enjoyed a 15 year career in financial services working for Bank of America, HBOS, M&S Money and Allied Irish Banks, having held senior management roles across marketing, partnerships and business development. Eamonn s core focus is to ensure that Callcredit remains dedicated to our customers and partners and that our business continues to be an asset to what they need to be successful. Julie Wright - HR Director Julie joined Callcredit in 2011 as Group HR Director with a focus on building a HR team to successfully deliver a people strategy which would support a business experiencing rapid growth in the UK and internationally. She has over 20 years of experience gained in senior HR roles and at Executive level in both the engineering, business and financial services sectors. Her career has involved working internationally in North America, Europe and Australasia for companies such as Aviva, Mowlem Construction Services and Serco. Bob Munro - Group Financial Director Bob joins Callcredit from Reed Elsevier, a leading provider of information and solutions for professionals. Bob brings almost 20 years of experience in senior financial and management roles from Reed Elsevier where he recently served as CFO of Elsevier Health Sciences, a global business generating over $1 billion in revenues annually. Bob is a Chartered Accountant and began his career at PricewaterhouseCoopers where he spent nine years prior to joining Reed Elsevier.

5 The Facts/Experts/Contacts The facts Revenue m m m m m m m m m Organic Revenue Acquired Revenue Growth of Employees Industry experts We have sector specific spokespeople who would be more than happy to provide comment, take part in an interview or provide thought leadership articles upon request. Please contact a member of the PR team for more information. Credit Solutions Eamonn Tierney - Managing Director Marketing Solutions Will Lowe - Managing Director Consultancy and Analytics, Database Solutions, Digital Paul Kennedy - Head of Consulting Consumer Markets Jacqueline Dewey - Managing Director Software, Analytics & Fraud Gary Scott Managing Director Industry Relations Jan Smith - External Affairs Director Collections and Recoveries James Syron Senior Business Development Manger Alistair Kay Senior Business Development Manger Verification/Fraud John Cannon - Solutions Director - Fraud & ID Alternative Lending Martin Leonard Customer Sales Manager Public Sector James Hilton - Director of Public Sector Media contacts: Lucy Smith PR Officer T: +44 (0) M: +44 (0) E: lucy.smith@callcreditgroup.com Amy Bhavra PR Officer T: +44 (0) M: +44 (0) E: amy.bhavra@callcreditgroup.com Latest news: Blog: Visit: Follow us on:

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