B E YO N DCorporate Report 2013

04 – 05 Our Vision 06 – 07 Financial Overview 08 – 09 Financial Overview 10 – 11 Customer Relationships

12 – 13 Technically Innovative 14 – 15 Our Global Team 16 – 17 Our Global Reach 18 – 19 Company Overview and Structure

CONTENTS

BEYONDCorporate Report

2013

CLEAREROur Vision

Whilst the main emphasis for us as a business last year was to ensure that we continued to grow, listen to our clients and deliver innovative solutions, we have also been working hard to ensure that the

business has the correct infrastructure to sustain our growth trajectory for the future.

The world economy had a good 2013. Of course for many it was still a struggle, with the eurozone in recession for much of the year and living standards in most of the developed world still below their 2007 peak. But by the end, even those lagging behind had started to catch up, and for them the long nightmare of recession and its aftermath began to recede.

Here there has also been a burst of optimism. Early in the year there was speculation of a “triple dip” recession, as it turned out, figures showed there had been no second dip, and growth strengthened steadily. By the end of the year the UK had become – on some counts – the fastest growing large developed economy. This was led by higher consumption, in turn leading to fears of overheating in the housing market. But while this might be viewed by some as “the wrong sort of growth”, most commentators acknowledge that prospects for 2014 are brighter still.

Set against this backdrop Callcredit continues to perform well growing year on year. All divisions within the Group; Credit, Marketing and Consumer performed well in 2013 and were all above target by year end.

In 2009 Callcredit was acquired by Vitruvian Partners, a private equity house, as part of an MBO. Like most private equity houses Vitruvian at some point in time would want to realise a return on its investment – normally within a four to five year time frame. So last year we started the lengthy process of looking for the best home for our business and the best investor to see us through both the medium and long term.

I’m delighted that GTCR, a leading Chicago-based private equity firm, partnered with management to acquire the company in February this year. GTCR is one of the most established private equity firms in the United States, and focuses on investing in growth companies alongside exceptional management teams. They understand technology and added-value growth. They are very clear in wanting us to continue to succeed by helping our customers thrive in this challenging environment of increasing regulation, rapid technological change and heightened competition.

GTCR has already ring-fenced funds to support new acquisitions for Callcredit both in the UK and internationally. In the UK we have done well and it will remain a key focus for us for the next ten years, but we do want to grow our international footprint because our customers increasingly have international requirements especially in the world of e-commerce.

We have a good track record of buying smart businesses, smart management teams and strong intellectual property. We have seen all businesses we have acquired thrive when they have become part of our Group. Our business is in a strong position built on professionalism, knowledge, enthusiasm and listening to what our customers want.

2013 was another very good year but I see the next five years being a very exciting time for us as a business and for our people as we continue to grow and flourish both home and abroad.

John McAndrew Chief Executive, Callcredit Information Group

John McAndrewChief ExecutiveCallcredit Information Group

In 2013 the Group met its revenue target of 10% growth and exceeded its profit target by 14%. This meant that the Group increased revenues, and profits grew 45% year on year.

BRIGHTERFinancial Overview

Callcredit Information Group has had another extremely successful year. Revenues have increased year on year by over 10% and sales targets have been exceeded, despite challenging conditions in the financial services markets. Callcredit has generated a profit before tax of £26.9m in 2013, up from £16.3m in 2012, reflecting a full year EBITDA of £34.2m, representing an uplift of 45% on 2012.

2013 saw the UK business continue to develop and grow our range of services to meet the needs of our clients and the Group’s reputation for quality and depth. All of this has been evidenced by a strong year on year performance from all of our three existing divisions, Credit Solutions, Marketing Solutions and Consumer. During 2013 we established a new Fraud, Analytics and Software Division, for which we have similar positive performance expectations for 2014 and beyond.

Business Overview:

The Credit Solutions Division continues to build on the success of previous years which saw revenues increase in 2013 by 23% with sales targets again exceeded. Many of our clients still come from the financial services market and whilst we have witnessed less turbulent trading conditions it still represents a challenging sector. That said the lending landscape is ever changing and we see a number of clients now coming to Callcredit from the alternative lending sector. We are now delivering key new products and services such as real time data sharing to help them meet new regulatory requirements.

Consultancy revenues increased by 10%, with strong success in established sectors such as strategic accounts, vertical markets and collections along with new revenue from the Insurance sector via claims modelling. We also made a significant impact within the Public Sector with the adoption of our ThreeSixty Fraud Hub across London which ensured a successful launch of this pioneering public data sharing initiative.

2013 was also another very encouraging year for our Marketing Solutions Division which increased revenues by 17% representing a strong performance in a very fragmented market. The division also increased its capabilities both in the UK and overseas. In February it acquired Lifestyles Online regarded as the market leaders in online lead generation. Their unique propositions and reputation further complement and strengthen Callcredit’s already comprehensive prospect database, Define.

Throughout 2013 the Marketing Solutions Division rolled out further updates to its flagship consumer segmentation tool CAMEO for Australia, Mexico and Indonesia. Callcredit’s unique consumer segmentation system CAMEO is currently available in over 40 global markets and links address information to demographic, life style and socio-economic insight to provide businesses with key marketing intelligence on their customers and prospects. In October the division’s retail location planning consultancy, GMAP, further strengthened its presence in the international market by establishing an office in Shanghai, China and in the same month GMAP Japan also announced its involvement in the British Embassy’s Export to Japan initiative, helping UK businesses expand into the Japanese market by providing information and services on the market.

The Consumer Markets Division had a solid year with some key relationships secured with strategic partners from across the financial services and retail sectors. Noddle, our free for life credit report product continued with a positive momentum, adding new anti-fraud and alert services to its product portfolio. Noddle also reached a significant milestone reaching a target of 500,000 consumers who signed up to use the service.

Liz RichardsGroup Finance DirectorCallcredit Information Group

Callcredit Check, our subscription based credit report, score and alerts product performed well in 2013 through a combination of partnership activity and direct to consumer sales. Significant investment in the technical infrastructure was made to support our partners placing us in a market leading position to bring new partners to market.

A key financial objective for the Group is the improvement of the EBITDA margin, which showed an uplift against 2013 financial targets of 4 percentage points, driven by benefits of scale and efficiencies. We continue to seek ways in which to improve margins further whilst recognising the need to continue to invest in order to maintain our revenue growth plans.

The Group generated healthy cashflows during the year, with operating cash of £30M representing a conversion rate of 88% of EBITDA and exceeding our financial target by 10%. We continue to perform well within all the covenants given to our lenders.

We plan to maintain a sensible and prudent balance between investing in the business for organic growth whilst retaining cash on the balance sheet, taking into account our commitments to lenders, acquisition opportunities and capital expenditure requirements.

We continue to invest in data, infrastructure and products to ensure that we are best placed to service our clients with innovative solutions, within an environment which is sufficiently scalable to meet our growth targets. Capital Expenditure for the year was close to £8.7m, which was slightly ahead of our financial plan.

As a business we also pride ourselves on the ability to understand the impact we have on our suppliers. We operate fairly and commit to reasonable payment terms, currently 26 creditor days. We have built up strong partnerships, including those with small businesses, which help to support our local economy and community.

Highlights• EBITDA up 45% • Revenues increased 10% year on year • Strong growth delivered across the Group • Business continues to grow despite a continued challenging economic climate • Margins showing continued improvement • Investment maintained in line with long-term strategic plans

In SummaryIn 2013 the Group met its revenue targets and exceeded its EBITDA target by 14%. This meant that the Group grew revenues by 10% and EBITDA by 45% year on year. To have achieved this is testament to the level of hard work and commitment shown by our people right across the Group and which has helped us to continue with the strong year on year growth record.

2013 was another good year for our business – with the help and support of our new investors GTCR Callcredit will continue to invest further in systems, data, infrastructure and human resources in order to achieve our plan for organic growth, as well as extending our range of products and services by acquisition both in the UK and international markets.

Liz Richards, Group Finance Director

2013 EBITDA - £34.2m

2013 £34.2m

2012 £24.4m

2011 £18.7m

2010 £16m

2009 £11.8m

2008 £10m

2007 £6.8m

2006 £1.3m

2013 Revenue - £126m – of which £1.9m was acquired revenue

2013 £126m

2012 £114m

2011 £92m

2010 £61m

2009 £54m

2008 £49m

2007 £29m

2006 £19m

Organic Revenue Acquired Revenue

BRIGHTERFinancial Overview

Callcredit will continue to invest further in systems, data, infrastructure and human resources in order to achieve a high level of turnover growth allied to increased benefits of scale.

BEYOND Financial Overview

£126m 2013 Revenue £34.2m 2013 EBITDA 1000 EMPLOYEES

“2013 was another good year for our business – Callcredit’s primary objective for 2014 is to continue to increase its market share and to make further progress in improving its margins as the business grows in scale”.

Graham Lund UK Managing Director

DEEPERCustomer Relationships

For over a decade our core business has been helping our clients to make smarter, more informed decisions throughout the customer lifecycle. What stands us apart from our competitors

is our record of innovation which has come from listening to, and understanding the specific needs of our existing and potential clients.

We tailor our solutions to our client needs. Many of our solutions are not pre-packaged or out of the box, enabling us to deliver bespoke solutions that respond to client needs.

As trusted partners to our clients our dedicated professionals provide the breadth and depth of expertise combined with world beating data and great service to deliver solutions to businesses across multiple sectors in the UK and globally. We are continually looking at ways to develop and go that step further so we can consistently provide them with what they need. Strategic office openings in Lithuania and more recently China, have enabled us to keep ahead of the game and provide our clients with the service they need so that they can innovate in their markets.

We have been working on several new initiatives to help our customers achieve their goals, as well as partnering with leading ‘blue- chip’ companies. Key partnerships include working closely with Iovation and Featurespace’s advanced analytics to detect fraud. To further enhance our reputation as innovators in consumer data we are now working with global operators such as SAS.

We have also made some key strategic acquisitions including market leaders in online lead generation, Lifestyles Online to expand our offering to sales and marketing clients. More recently we acquired the analytical software solutions and consultancy provider Coactiva, demonstrating our continued commitment to the Public Sector.

Although domestic markets have remained very challenging we have continued to maintain and extend relationships with our clients with contract extensions. New client wins continued to be secured across all areas of our business throughout the year.

This includes brands such as Santander, ASDA, Nationwide, Aviva, Prudential, Capita, Paddy Power and Betfred. Internationally we have also delivered insight and data to ‘blue-chip’ brands wishing to increase their footprint overseas.

We stay close to our customers and gain an indepth understanding of their feedback by conducting an annual customer satisfaction survey across a wide range of our portfolio of clients. Highlights include:

Rated Callcredit comparable or better than competitors in terms of strength of relationship with their business

Said that the Callcredit teams listened and responded to their needs

Of clients would consider the company for future projects

Said they would recommend Callcredit as a business partner

Looking to the future of our business, our success is inextricably linked to the success of our clients. We continually look for new ways to deliver optimum solutions whether that’s improved capability through acquisition and partnership, or through the implementation of more sophisticated technology, analytics and software.

As we grow we remain mindful of the attitude we needed to succeed in our early years. That attitude was about agility and flexibility, both in terms of the minds of our people and our technology. Our commitment to our customers today, and theirs to us, is built on that same attitude.

96%

95%

94%

85%

SMARTERTechnically Innovative

Over the last three years we have built scalability and resilience in to our systems to protect our business. In 2014 we expect to accelerate the pace at which

we bring new innovations to market.

Technology is at the heart of everything that we do and we understand that it’s vital to listen to our clients’ needs in order to provide them with solutions that deliver effective results. This year a number of new technologies will come to market as our clients adapt to regulatory changes and the need to understand their customers in greater detail.

We’re seeing the lending landscape changing considerably and being driven by technology-savvy consumers who are becoming accustomed to receiving products and services in a real-time environment. As such it seems natural that lenders should also have a view of an individuals financial circumstances in real-time in order to make accurate and responsible decisions. Therefore in response to this, working closely with our clients, trade bodies and other stakeholders we announced our intention in January 2014 to enable real-time data sharing for our lending clients.

This will enable our clients to have the most up-to-date view of a customers credit commitments, promoting responsible lending for alternative and mainstream lenders. Other sectors including Insurance and Gaming will also see benefit from using real-time data.

Furthermore 2014 will see the launch of Retriever, our new trace investigation tool - manual tracing for the collections industry will always be a key activity. By working directly with industry experts we have developed an innovative solution which is both cost

effective and compliant in order to quickly reduce the time to trace an individual, combining bureau data with Big Data technologies for consented validation and tracing purposes.

When it comes to data, it’s not just having access to it, but rather what you do with it once you have it. We will continue to look for ways to drive value and deeper insight from the data we have available. We will be relaunching our consumer segmentation tool, CAMEO UK, this year. Despite the fact we’ve had this product for over a decade, our blue-chip brands tell us that the insight it delivers is invaluable to them and as such our commitment to invest remains. The new product provides new layers of insight, unrivalled anywhere else in the marketplace.

And it’s not just our corporate clients that we’re listening too. In 2012 we launched Noddle, the first free-for-life credit report service, in direct response to consumer demand. This continues to go from strength to strength, with the message being heard far and wide through social networks and word of mouth.

The development of our products and services is important but so too is ensuring that we can be agile enough to adapt to changes, an area where we will continue to excel. We don’t want to get caught up in old, inflexible legacy systems. We work closely with our clients to deliver solutions that can cater for all of their needs. We understand that one size most certainly does not fit all.

FURTHEROur Global Team

Today Callcredit Information Group employs in excess of 1000 staff and in addition to offices in Leeds, London, Warrington, Swindon and Kent it now has offices in Tokyo Japan,

Shanghai China, Kaunas Lithuania and Dubai.

We are incredibly proud of what the business has achieved in what is still a relatively short space of time. The business now has four distinct divisions – Credit, Marketing, Consumer and Software Analytics and Fraud - a measure of how the business has evolved and responded to the demands of its customers and the market place.

One of the most significant achievements in recent years has been the opening of the Kaunas office in Lithuania. From an original concept in 2011 it took less than a year to open the prestigious office suite in the Zalgiris Arena in September 2012. Callcredit UAB now employs 100 staff with plans to recruit a further 50 members of staff by the end of 2014.

The office provides IT Development resources working closely with UK colleagues to create and support a set of services which enable the business’s UK clients to make more informed decisions as well as ensuring that our data assets remain accurate and up to date.

Working closely with the University in Kaunas (the second largest IT University in the Baltic States) Callcredit is looking to create specific syllabuses which will enable students to choose a course which will dovetail with employment opportunities with Callcredit once their studies are complete.

Since 2007, under its GMAP retail planning consultancy arm, Callcredit has had an office in Tokyo Japan. The team has been helping a number of ‘blue chip’ companies to expand their footprint in Asia.

The backbone of much of the work in helping retailers develop effective strategic planning is RetailVision, our flagship retail planning tool. The UK database is now supplemented by increasing numbers of similar classifications in international markets, including most recently China. This enables us to offer the same level of insight into the retail landscape in overseas markets, something that we are very proud and excited about.

In direct response to retailer demand in the summer of 2013 Callcredit made the decision to establish a permanent presence in Shanghai, China. The accelerated urbanisation of the country has resulted in the growth of a number of cities and many major retailers are now looking to open stores in China beyond the major cities. Historically companies looking to locate into the Asia-Pac region have been hampered by the shortage of reliable marketing data on which to base a decision on whether to invest or not in any new or developing city; our retail planning systems has enabled a number of major global brands including Cath Kidston, adidas and L’Oreal to expand successfully into the region.

As a wholly foreign-owned enterprise (WFOE) GMAP is now able to transact in the official Chinese currency (Renminbi), which makes it easier for established retailers in China and those looking to build a new presence within China, to work with GMAP.

Latitude Digital Marketing, the digital arm of Callcredit Information Group, sees its second year of operations in the Middle East and

Africa (MENA) region in 2014. Latitude expanded operations to Dubai in 2012 after securing the management of a series of MENA clients’ digital marketing and has since worked with clients from a range of sectors including retail, finance, travel and professional services.

The services provided by Latitude include search engine optimisation (SEO), pay-per-click (PPC), display advertising, affiliate and social media marketing. Latitude are market leaders in the advanced European markets and with 20 native speakers on board - ranging from Arabic to Japanese and European languages, ensures that it has the tools to work with on campaigns within the UAE and internationally.

The Group has experienced significant levels of growth year on year in the UK - achieved through organic growth and via a number of strategic acquisitions. This positive growth strategy is set to continue. As a direct consequence a dedicated team focused on international expansion has been established. The new team, consisting of experienced individuals drawn from across the business, has already begun to evaluate opportunities in a number of markets with the objective of significantly increasing the amount of Group revenue and profit generated from outside the UK.

Moving forwards Callcredit will remain focussed on growing the business in the UK but at the same time recognises that there are some significant opportunities for further expansion overseas too. Callcredit’s intention is to utilise the successful ‘blueprint’ for growth implemented effectively in recent years within the UK and use this as the platform to continue to build the international momentum ensuring that Callcredit becomes a true global player.

BROADEROur Global Reach

Our Services

DIGITAL SOLUTIONS

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MA

RKET

ING D

ATA

RETA

IL LOCATIO

N PLAN

NING

CONSUMER FACING SOLUTIONS COLLECTIONS AND RECOVERIES

CREDIT

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AFF

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AB

ILIT

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BUSINESS EFFIC

IENCY

FRAUD AND VERIFICATION SOLUTIONS

Prospect Lists

Database Services

Multi Channel Data

Segmentation & Analysis

Real Time Lead Generation

Modelling Software

Planning Consultancy

International Strategy

Local Area Datasets

Conversion Analytics

Social Media Marketing

A�liate Marketing

Display Advertising

SEO & PPC

Anti-Money Laundering Solutions

International Verification

Bank & Card Checks

Identity Verification

Age Verification

Case Management

Benchmarking Services

Consultancy & Analytics

Performance Improvement

Credit Reporting & Scoring

A�ordability Assessment

Single Customer View

Monitoring & Alerts

Multi-Bureau

Tax Filing

Credit Reports

Comparison Sites

Data Hygiene

Consumer Tracing

Collections Strategy

Daily Collections Alerts

Integrated Collections Data

Our StructureCallcredit has over a decade of experience managing consumer data for business across every sector within the UK and around the world. Our four divisions focus on developing innovative products and services to help businesses make smarter, more informed decisions throughout the customer lifecycle.

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

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

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 • Product Development & Solution Strategy

Our History2000Callcredit was formed.

2003Callcredit, EuroDirect (est. 1991) and GMAP (est. 1997) were brought together under the name Skipton Information Group.

2007Legatio and DecisionMetrics were acquired. Opened a regional office in Japan.

2008Broadsystem (est.1984) was acquired. Renamed Callcredit Information Group.

2009Management team led a Management Buy Out (MBO) backed by Vitruvian Partners, a private equity business.

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

2012Noddle Limited and Callcredit Operations UAB (Lithuania) were founded.

2013Acquisitions of Lifestyles Online. GMAP China opened in Shanghai.

2014Acquisition of Coactiva. Management team led an MBO backed by GTCR, a private equity business.

BEYOND Organisational Structure BEYOND Organisational Structure

To find out more about Callcredit, please:

Email: info@callcreditgroup.com Call: +44 (0) 113 388 4300 Visit: www.callcredit.co.uk

For more detailed information on the content of this document please contact:

Press and Media Enquiries:

Duncan Bowker – PR Manager DDI: +44 (0) 113 826 6700 Duncan.Bowker@callcreditgroup.com

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