Leading European. Credit Management Service Provider

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1 Leading European Credit Management Service Provider

2 PROFESSIONAL AND DEDICATED Lindorff is the leading European provider of credit-driven services with more than 100 years of history. admired With roots dating back to 1898, Lindorff is a full-service European credit management service provider. We offer information services, payment services, invoicing services, debt collection and debt purchase. As a company and as individuals we take pride in living by our values every day, constantly aiming for the highest ethical standards in everything we do. LINDORFF VISION Our vision shows our ambition and guides us towards our goals: To shape the market, strive for excellence within our field and deliver the best products and services. We are in the forefront of our industry as the supplier of credit-driven services. Professional Customer oriented Performance oriented Caring LINDORFF FACTS: CEO Klaus-Anders Nysteen Headquarters are in Oslo, Norway 3,100 employees Revenue in 2014 was 475 million Majority owner Nordic Capital Fund VIII Lindorff was founded in Norway in 1898 by Eynar Lindorff Offices in 13 countries: Denmark, Estonia, Finland, Germany, Italy, Lithuania, Latvia, the Netherlands, Norway, Poland, Russia, Spain and Sweden.

3 INFORMATION SERVICES Credit management is information management. Success is based on the accuracy and interpretation of the information at hand. For our clients, efficient and reliable decisions on credit worthiness in real-time can be crucial. Lindorff provides clients with a wide range of credit related information and consulting services to help our clients to make decisions which reduce credit risk. In addition to credit information and credit scoring services our analysis services help our clients to direct sales and to understand their customers better. In some markets we combine data from various sources and make it available to the clients directly or through a web solution. Accurate and real-time information brings confidence to the credit related decision making.

4 INVOICING SERVICES Lindorff offers a flexible, scalable and modern invoicing service adding value through-out the organization. Assess your invoicing. Does it meet all needed requirements? Invoicing services provides a seamless end-to-end solution spanning across the whole receivables management value chain. Service includes invoice production, distribution and sales ledger management together with customer service and comprehensive extranet portal. A documented and measured SLA Standardized process Documented and tested continuity plan einvoicing and invoicing Automated, flexible and optimized dunning process Customized reports and real time reporting Customized invoice layout, four color printing Advertisements on invoices, inserts Part-payment options Interest invoices Compatible with SEPA Filing system enabling retrieving and reviewing old data anytime Statutory archiving and PDF/A support Customer service outside regular office hours Multinational system platform OUTSOURCING YOUR INVOICE ADMINISTRATION TO LINDORFF WILL: Ensure a professional and standardized invoice administration. Convert fixed cost to variable cost. Keep your processes up-to-date without additional project costs and ICT investments. Enable significant cost savings, increase transparency and predictability in invoicing. Provide you with an extensive selection of customizable reports. Have a positive effect on cash flow through enabling a seamless invoicing and receivables process. Free up management resources to core processes. Help unifying credit and sales ledger management policies across the enterprise.

5 PAYMENT SERVICES Lindorff Payment helps to increase sales and makes your sales process more effective. With Lindorff Payment your company can sell more as it enables credit sales without credit risk or need for a credit process. Lindorff Payment is a comprehensive service process which allows consumers to purchase a product or a service safely with invoice payment in one or more instalments. Lindorff Payment makes your sales process more effective. Your customer can choose invoice as a payment method and the credit decision will be made in real time at the time of purchase. Lindorff Payment works perfectly with your online shop s or store s cashier system. It includes a complete credit management process from scoring and credit decision to the whole invoicing process of sending invoices, managing payments and providing customer service to the end customer. Lindorff Payment can be tailored to meet your company s specific needs. You can choose to brand the service with your own brand or you can go with Lindorff brand. You can also utilize the invoices for marketing by printing advertisement banners or including attachment to the invoice. The service process can easily be integrated with your existing systems without any large IT investments. Lindorff will finance the purchase for the customer and you will get paid right away. LINDORFF PAYMENT PLUS Lindorff can provide the Payment service also without the consumer financing. With Payment Plus you can integrate the invoice and part payment option to your own processes and have Lindorff just managing the process.

6 DEBT COLLECTION SERVICES DEBT COLLECTION SERVICES Lindorff engineers efficient debt collection strategies and solutions tailored to different demands. Lindorff's experience, combined with advanced customer service cen ters and quality-assured information management, constitutes a solid starting point for a successful debt collection process. Proper customer service and management of the debt collection process is an important part of our clients brand and reputation. Lindorff focuses on collecting debts efficiently, yet respecting the customers difficult situation and privacy. Lindorff contributes to enabling people with poor payment history to become good customers for our clients in the future. Further more, the valuable information generated throughout the collection process can be re-entered into the systems to form an important basis for new sales. with 8 out of 10 of our clients are highly satisfied our products and services. We know that our clients appreciate our efforts and professionalism: 8 out of 10 of our clients are highly satisfied with our products and services. They view Lindorff employees as professional, solution-oriented and with a high ethical standard. These are results from our clients satisfaction survey, performed on an annual basis in all markets.

7 DEBT PURCHASING SERVICES Lindorff is a recognized leader in distressed consumer debt buying and recovery. As one of the leading debt collection companies in Europe, Lindorff possess an in-depth knowledge and comprehensive experience of the market. Lindorff has access to substantial funding lines and is actively involved in the purchase, management and collections of non-performing consumer debt portfolios. By selling receivables to Lindorff, our clients can transform the receivables into cash, making it possible to invest resources towards more useful business purposes. Our clients can transform receivables into money at different stages. They can choose to sell the receivables in larger batches or secure a steady cash flow by selling the receivables at regular intervals. In times with financial instability, large European banks look for a professional partner with impeccable track records and high ethical standards. Over the last year several of the largest banks have chosen Lindorff.

8 Lindorff is the preferred expert on credit-driven services and a leading European provider within its field. Our string of services cover Information services, Payment services, Invoice services, Debt collection and Debt Purchases. Lindorff has 3,100 employees in 13 countries. New revenue in 2014 was 475 million. Lindorff is majority owned by Nordic Capital Fund VIII. Our headquarters are in Oslo, Norway. LINDORFF GROUP PO Box 283 Skøyen 0213 Oslo, Norway Visiting address: Hoffsveien 70B, 0377 Oslo Lindorff, October 2015