ENCORE CAPITAL GROUP

Encore Capital Group is a recognized leader in distressed consumer debt buying and recovery. Encore purchases defaulted consumer loans from major banks, credit unions, and utility providers and works directly with consumers as they repay their obligations. Headquartered in San Diego, Encore is a publicly traded company (NASDAQ: ECPG) and was recently listed as a top decile San Diego County public company by Bloomberg's Company Strength Index. Company operations include domestic operations facilities in San Diego, CA, Phoenix, AZ, St. Cloud, MN, and Arlington, TX, as well as a large offshore operations and analytics center in New Delhi, India. Encore currently employs more than 1,700 people and possess a large third-party network of collection agencies and litigators that spans the United States. www.encorecapital.com