This document summarizes Callcredit's 2013 Corporate Responsibility Report. Some key points include: - Callcredit partners with charities to provide strategic support through skills and technology, enabling charities to focus on their mission. They partnered with Barca in Leeds. - Employees volunteered 355 days in the community and raised over £53,000 for charities. - Initiatives focus on responsible products and services, employee engagement, community investment, and reducing environmental impact. - Certifications and programs aim to integrate responsibility into the business culture and operations.

1. BETTERCorporate Responsibility Report 2013

2. OUR
SUSTAINABLE
SUCCESS
This is Callcredit’s third Corporate Responsibility report
and I am delighted to reflect on progress.
We are particularly proud of our partnership with Barca,
a charity in Leeds. We help Barca with what we’re good
at – strategy, technology, data. This enables Barca to
focus on what they’re good at – helping people with health
and poverty challenges to a place that’s better for them.
Innovation in our products and services continues to deliver
social value, for example, supporting responsible lending,
age verification, financial literacy, fraud negation.
In 2013 we raised £53K for British Heart Foundation.
One third of our staff volunteered in the community.
We also continued to work down our environmental
footprint, and to work up our investment in our people’s
development and choices for a healthy lifestyle.
Our employees tell us they like this – Corporate
Responsibility was a top driver for engagement in our
2013 employee survey. We get the same message from
our clients, consumers, suppliers, and regulators.
Reading this report I’m pleased that every one of our
offices are now embracing Corporate Responsibility.
For instance, our Kaunas office in Lithuania won a national
award for ‘Responsible Workplace of the Year’, presented
by the Minister for Labour.
In 2014 we will further integrate responsibility into our
culture and actions. We have appointed our first dedicated
Corporate Responsibility role to help facilitate this, and
will continue to share best practice with industry leaders.
Callcredit has a bright present and a bright future,
and we are proud to help others achieve the same.
Our Information Services Leadership Team, midway through their 2013 coast-to-coast
charity cycle: Adrian, Laura, Richard, Ian, Peter, Dainius and Michael.
BETTER
01
We do responsibility because
it’s good business sense,
good risk management
John McAndrew
Chief Executive, Callcredit Information Group

3. John McAndrew
Chief Executive
Callcredit Information Group

4. OUR
RESPONSIBILITY
We’re often told that Callcredit is a refreshing change –
as a partner, supplier, client, employee, investment,
and corporate citizen.
Our regulators, customers and the public require that data
is used and protected properly, and that our products,
services and operations strike a fair balance between
commercial objectives and social, environmental and
ethical issues.
Our employees expect the same, and for us to support
their career development, health and wellbeing, and
work-life balance.
Equally important, our investors look for us to focus on
market growth, and increasing profitability.
Our Chislehurst
team prepare to
give interview
practice to
some school
leavers on their
volunteering day:
Andy, Joanne,
Chris, Iona, Matt
and Carolyn.
Cyril from our
delivery team in
Leeds scopes out
a project for one
of our Marketing
Solutions clients.
Our vision is of responsible
solutions, delivered by a healthy
and diverse workforce that
actively engages with the
community and environment
Graham Lund
UK Managing Director
BETTER
03
We frame our
approach to different
stakeholders through
four responsibility
themes:
Our Marketplace
We act with integrity towards our consumers,
clients, regulators, suppliers and investors
Our Community
We give back to society, including our
local communities and charitable causes
Our Workplace
We value employee engagement,
diversity, development, health & wellbeing
Our Environment
We respect the natural world and make
efforts to reduce our impact on it

5. Rusne, Megan, Rokas and Agne raise their flag at our
Kaunas Callcredit summer festival at the Šaulys forest and lake

6. Industry Best Practice
We are members of Business in the Community (BITC),
the industry standard for best practice in Corporate
Responsibility (CR).
Together we help support communities and the
environment, and in that process improve business.
The aim is to build a genuinely sustainable economy,
a resilient society, diverse workplaces and a more
equitable future.
CR Governance
Each of our responsibility themes is owned by a
Senior Management Group (SMG) of relevant Directors.
The SMGs prioritise activities for implementation by
operational teams and CR Champions.
Each SMG is sponsored by a member of our
Executive team. Together the sponsors comprise our
CR Board, who set the CR strategy.
OUR
APPROACH
Suresh from our
DBA team in Leeds
gets a cuppa
from Joyce’s Cafe
One tea trolley, a
Yorkshire tradition
worth maintaining!
Our Warrington
office on their
Cumbrian Challenge,
raising money for
Help for Heroes:
Andy, Lis, Nicola,
Jenny, Chris, Dan
and John.
BETTER
05
Our Governance model makes
CR built-in, not bolt-on.
That ensures we do the right
things at the right time, and
so realise the full benefits
Julie Wright
Human Resources Director
Corporate Responsibility Board
Marketplace SMG Workplace SMG
Community SMG Environment SMG

7. OUR
VALUES
BETTER
Our ‘it starts with me’ recognition scheme
rewards our employees for living our values
Who we are
What we do
INTEGRITY
Being honest and open
with all stakeholders
LISTENING
To our customers and people
TALENT
Finding, retaining and
developing diverse talent
INNOVATIVE
Finding answers to new
challenges
TEAMWORK
Better together than we
are individually
DELIVERING
Doing what we promise

8. OUR
MARKETPLACE
Credit Solutions
We work with the private and public sectors to support
responsible interactions with consumers. Our unique
products assess ability to pay, detect fraud and verify
identity. This helps our clients address conduct and
financial risk, and so support stability for everyone.
Marketing Solutions
We help the retail, utilities and financial sectors
better target services to their clients. These include
environmentally and socially sustainable products, energy
efficiency and renewable power. These help reduce food
and fuel poverty, and the world’s carbon footprint.
Consumers
Noddle, our Free-for-Life credit report, facilitates financial
literacy by helping consumers understand and manage
their credit profile which impacts their ability to access
products and services. Noddle can also help protect from
ID theft and Fraud.
Supplier Responsibility
Our suppliers are required to meet ethical standards
in human and labour rights, and protecting the
environment. We operate fairly and have built strong
partnerships, including with small businesses, which
helps support local economies and communities.
Data Compliance
Our Compliance teams work with our regulators and key
industry bodies to understand what we need to do to meet
our legislative, regulatory and code of practice requirements.
We liaise with different parts of the business to ensure we
use our data and services in ways that comply.
Data Security
We apply industry-leading technical and procedural security
measures to fulfil our obligations to protect clients’ data.
Our information security processes are certified to ISO27001,
and our data systems are certified PCI DSS compliant.
Sumangala from
our QA team in
Leeds reviews
functionality on
one of our Credit
products.
Saima, Sareena,
Jen and Chris
from our Leeds
Consumer Services
Team share best
practice on helping
customers.
BETTER
07
Callcredit’s affordability and real time
reporting products help the lending
industry conduct business in a
responsible, sustainable manner
Peter Mansfield
Managing Director, Callcredit Limited
96%
Average customer rating
for their relationship with
Marketing Solutions in 2013
149,296
Consumer enquires
handled in 2013

9. Ed, Kate, Jo-Ann and Danny from our Compliance team in Leeds discuss our Regulatory
Business Plan in line with our obligations under the Financial Conduct Authority

10. OUR
WORKPLACE
Our People
Each year we conduct an Employee Engagement Survey to
listen to, and act on feedback from our people. Our 2013
survey showed that 87% of our staff were engaged/nearly
engaged, a very positive result.
We are committed to developing our people to reach
their potential and enjoy rewarding careers with Callcredit.
We provided 1,650 days of Learning and Development in
2013. We have implemented an Apprenticeship scheme
for young people to learn as they earn; and also a Talent
Management Programme for our future leaders.
We apply the same minimum rate set by the Living Wage
Foundation to our UK employees. We have clear policies
on Equal Opportunities, Dignity at Work, Whistleblowing,
Anti-Bribery, and Health and Safety. We appreciate the
value of having a diverse workforce and also recognise the
need for a healthy work/life balance. There are flexible
working arrangements in place to help support this.
Health, Safety and Wellbeing
We understand that our people’s health and wellbeing
has a direct impact on their engagement and productivity.
We support staff who want to cycle or run to work with
onsite showers and secure storage.
We also provide our offices with free fruit, relaxation
massages, and wellbeing workshops. Our systems are
certified to OHSAS18001, the best practice standard
for Health & Safety.
Social Events
We hold regular employee events at our different
offices. These provide a way to have fun together,
and to recognise our hard work and success.
Tom, Rory and
Geraint cross the
line at the 2013
Leeds Abbey
Dash. With over 60
runners Callcredit
had the largest
corporate team.
BETTER
09
Our Swindon team
prepare to Go Ape:
Rob, Richard,
Mike, Li, Ben,
Chris and Joe.
The free health check alerted me
to see my GP about my blood pressure,
which is now sorted. Thank you!
Alan Hutchinson
Group Credit Manager
87%
Employee engagement
in 2013
1,650
Days Learning & Development
delivered in 2013

11. Arunas from our Kaunas staff basketball team goes for the jump against the
Chemcentras team in the Kaunas basketball league companies’ semi-final.

12. OUR
COMMUNITY
Community Partnering
By giving our business skills, contacts and products pro
bono, we can enable community organisations to better
focus on their core mission.
We’re doing this with Barca, a Leeds charity that helps
people overcome health and social issues stemming from
poverty and exclusion. In 2013 our IT team delivered Barca
an IT strategy, alongside tune-ups of their computer kit.
Our Strategy experts also helped Barca’s management
team formulate a Strategic Vision.
In 2014 we will help Barca with their IT, databases and
Marketing Strategy, to address financial exclusion
amongst their clients, and in bidding for contracts for
Barca to provide their services to the public sector.
Employee Volunteering
In 2013 our people gave 355 days of their time to deliver
projects that directly benefit society and the environment.
Projects included hosting events for the elderly,
wildlife conservation, restoring children’s play areas,
and refurbishing a community centre.
Charities
We had two ‘charities of the year’ in 2013 – British Heart
Foundation in the UK, and the Kaunas Children’s Day
Centre in Lithuania. Our offices raised over £53K for BHF,
and over LTL16,000 for the Children’s Centre.
We also match our employees or their own fundraising. In
2013 this resulted in donations to 33 different charities.
In 2014 our offices are supporting local charities, for
example CandleLighters in Leeds, for children with cancer.
Lauren and
James from our
Chislehurst team,
on their 100km
trek for British
Heart Foundation.
BETTER
11
Suky, Adam, Stacey
and Richard run a
Health Check on
Barca’s IT systems
in Leeds.
Callcredit’s volunteers didn’t want
to go home until every last piece of
stone was in the ground
Bruce Fowler
Nell Bank Centre
355 days
Community Volunteering by
Callcredit employees in 2013
£53,385
Raised for British Heart
Foundation in 2013

13. Children at Nell Bank in Yorkshire celebrate a new access track to enable those with additional needs to use the facilities.
With 300 tonnes of limestone and 124 staff from 16 different teams, this was our biggest volunteering challenge so far.

14. OUR
ENVIRONMENT
Systems, Facilities
Our Leeds operations are certified to ISO14001,
the best practice for Environmental Management.
Our ‘eco Senior Management Group’ oversees the
programme and ensures initiatives are embedded
‘Business As Usual’ across all activities and offices.
In 2013 we integrated our Environmental and
Health & Safety systems and audits. In 2014 we
will certify our Latitude offices.
Carbon Disclosure
Each year we calculate our carbon footprint at Leeds
for the Carbon Disclosure Project.
Our international growth has driven an increase in
travel carbon. However, increased efficiencies in our
Facilities and IT systems have balanced this to keep
our overall footprint stable at 4 tonnes per person.
Green Technology
We do more with less by being smarter about
how we design our IT services. For example we’ve
centralised processing to our datacentres,
which are powered using renewable electricity,
and are award-winning for energy efficiency.
In 2013 we rolled out Multi-Function Devices which
use Follow-me, duplex printing. This has significantly
reduced our use of paper and toners.
In 2014 we will further reduce paper use through
automation and workflow. We’ll also roll out new
collaboration tools to reduce the need for travel,
and so save time, cost and carbon.
Egle, Ruta, Aiste,
Agne and Ieva from
our Kaunas office,
with their car share
chocolate medals.
Our array of
recycling pods
now includes
non-confidential
paper, plastics,
cans, and toners.
BETTER
13
Our printing has now had
‘the revolution’, 2014 will see
us give remote collaboration
the same treatment
Geraint Jones
IT Services Manager
146%
Increase in rates of plastics
recycling, 2013 from 2012
700,000
Sheets of paper saved
annually due to rollout of
Multi-Function Devices

15. Richard’s ‘Printing Revolution’ rolled out Multi-Function Devices to our Leeds office.
This significantly reduced our use of paper and toners.

16. 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:
Corporate Responsibility Enquiries:
Gavin McNaughton – Corporate Responsibility Manager
DDI: +44 (0) 113 826 6232
Gavin.McNaughton@callcreditgroup.com
Press and Media Enquiries:
Duncan Bowker – PR Manager
DDI: +44 (0) 113 826 6700
Duncan.Bowker@callcreditgroup.com
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