International debt collection

1. International debtcollection Poweredby VMP & Partners B.V. & EOS Global Collection

2. Contents About us About EOS The partner network Global processes Conclusion

3. Contents About us About EOS The partner network Global processes Conclusion

4. The EOS Group is a leading international service provider of receivables management Europe North America 1. The EOS GroupAt home in 26 countries More than 60 operating companies Represented in 26 countries Some 7,500 employees Some 20,000 clients EOS locations/Facts and figures as at July 2018 Status as at July 2019.

5. In the 2018/19 financial year, the EOS Group achieved high revenues at a stable level Global revenuein EUR million Consolidated financial statements according to IAS/IFRS. Figures as at 28 February 2019.

6. EOS Consolidated invested a total of EUR 668 million in receivables and real estate Investment by regionin EUR million Figures as at 28 February 2019.

7. Contents About us About EOS The partner network Global processes Conclusion

8. A common perception and ethical criteria are essential when selecting the right partner abroad Feel our heartbeat The heartbeat represents our attitude, our mindset and the way we tackle things together. Trust Walk your talk Love to learn Strive for excellence Share your knowledge Be courageous Embrace change

9. Togetherwithourpartnersweofferdebtcollectionservices in over 180 countries aroundtheworld www.eos-globalcollection.com

10. We all have the same goal, but different habits and collection characteristics shape our work Sweden vs. Norway As part of the EU, Sweden can enforce European Payment Orders in court. As a non-EU member, Norwayhas to follow the Lugano convention to enforce European Payment orders. Russia Russiansstart a col-lectionprocesswith a fieldvisittothedebtor in metropolitanareas. Italy vs. China Italians need a signature to any official agreement, such as a payment plan. In China a stamp is added value and a signature alone is not accepted in court. France Up to 90% of all B2C pay-ments are made by check in France; however, they can bounce, which makes payment reporting more complicated. UK vs. Slovakia Britons have a high debtor protection level. If the debtor proves to be ‘vulnerable’, you are not allowed to proceed. Slovakia had recent changes in the legislation and a higher debtor protection was agreed, e.g. collection agencies are not allowed to call a debtor after 6 pm or during the weekends. Japan Collectionagencies in Japan are illegal. Onlylawyersareallowedto do collectionsagainstJapanese. USA vs. Spain Americanshave a large varietyofskiptracingoptions. Spaniardshaveoneof thehighestlimitations in privacywithin Europe. Tracingconsumersisverydifficult. www.eos-globalcollection.com

11. Contents About us About EOS The partner network Global processes Conclusion

12. Global networking and case management is supported by the EOS Global Collection platform 2 3 Local EOS contact 1 Cross-border partner 4 5 • Cross-border partner: realises the collection in the country of your debtor. Updates about case status, activities and payments are provided to EOS Global Collection. You: pass your foreign claims to your local EOS contact. You: can view the progress of your cases in real-time by direct access to EOS Global Collection. Your local EOS contact: sends your foreign claims to our international cross-border platform „EOS Global Collection“. EOS Global Collection: distributes the cases auto-matically to the selected cross-border partner abroad. www.eos-globalcollection.com

13. Skip tracing Legiti- mation letter 2 Written reminders 2 Phone reminders A set of rules regulates minimum standards, service level and collection procedures • We guarantee when actions take place: • First letter within 1 working day • First call within 10 working days • Pre-legal phase: maximum 4 months • We guarantee which actions take place: • Minimum 1 legitimation letter and 2 written reminders • Minimum 2 telephone reminders* • We guarantee the best mix of locally available measures, such as: • field visits to your debtors, emails, sms Minimum standards Further measures, used individually www.eos-globalcollection.com * Ifcasevalueisover 500 €, otherwise 1 telephonereminderisguaranteed.

14. 14 The collection process is customised – adjusted by debt type and collection phase Commercial debts (B2B) High value consumer debts (B2C contingency) Low value consumer debts (B2C contingency) Low value consumer debts (debt purchase) Old consumerdebts with valid judgement (debtpurchase) Debt type High standardprocess „Silent“ process Debtsur-veillance Collection process Collection phase Legal Post-legal DebtSurveillance Pre-legal www.eos-globalcollection.com

15. The EGC platformsupportscross-bordersolutions and providestheinfrastructurefor global SSC‘s • 1. Cross-border solution: • Client and debtors are located in different countries. • Our offer: • One local contract and contact for all collection files worldwide • 2. Local-to-local solution • Client and debtors are located in the same country, • depending on local client branch. • Our offer: • Different local contracts and contacts, as well as local reporting • 3. Shared services solution • Client and debtors are located in the same country, but • client has one central unit for global collection processes. • Our offer: • Group-wide collection solution with local contracts but a unified global reporting structure 1. Cross-border EOS offers customisedsolutions 3. Shared services 2. Local-to-local www.eos-globalcollection.com

16. Contents About us About EOS The partner network Global processes Conclusion

17. Think global – act local! Global partner network A competent contact for the whole world Local collections Trustful partners in over 180 countries around the world In this complex financial areas, it is important to know, whom you entrust your customers claims Adequate debt collection with respect for the prevailing mentality in the country

18. For a debt-free world People take out loans for good reasons. When someone cannot pay back their debts we show a fair and realistic way to become debt-free.