Today Credit Action, the financial capability charity and Link Financial, one of Europe’s leading purchasers and servicer of both performing and non-performing loans, announce a new three year partnership to deliver financial education in schools around the UK. The Link Financial sponsorship package, circa £70,000 over the 3 year programme, will support the expansion of Credit Action’s financial education workshops to 11-19 year olds across England, Wales and Northern Ireland.

The demand for this service has been significant since it began in 2010. Since then, Credit Action has reached over 53,000 young people through direct delivery of financial education workshops and over 1 million prospective university students through their Student Money manual which goes out to students nationwide via UCAS.

Link Financial’s new partnership with Credit Action will allow a further 360 workshops to be delivered across the UK to 10,500 students over the next three years. The workshops will enable young people to build the skills, knowledge, attitudes and behaviours to manage money well and cover such subjects as budgeting, debt & credit, bank accounts, saving and student finance.

Selina Burdell, COO of Link Financial Group said: “At Link Financial we frequently see the stresses placed on individuals who are unable to manage their finances. Delivering money management education to young people is key to alleviating these issues in later life. We are therefore pleased to support the Credit Action team with a long term commitment to building awareness and skills in this most vital of areas.”

Michelle Highman, CEO of Credit Action said: “Financial education is essential for all young people. It is vital that we empower young people to understand and stay on top of their money throughout their lives. This partnership will allow us to reach even more young people in this way and we are very grateful to Link Financial for their support.”

Notes for editors:

About Link Financial

Link Financial is one of Europe’s leading purchasers and servicer of both performing and non-performing loans, managing more than 1.5 million customers and €6 billion of receivables across its European platform.

The company’s headquarters are in London, with further operational centres in Spain, Italy, Germany, Ireland and Wales. Standard & Poor’s (S&P) has awarded Link’s UK business a special servicer ranking of “STRONG – Outlook Stable”, meaning it has the highest rating possible for a consumer loan special servicer in its market.

About Credit Action

1.Credit Action is the national money education charity, established in 1994. It works nationally promoting better thinking about money with a particular emphasis on those vulnerable to financial difficulties. See www.creditaction.org.uk for more information.
2.Credit Action runs two financial education programs in schools for young people aged 11-17. Click here for more information.

Media Contacts:

Link Financial:
Gerald Elliott, Communications Director, E: gelliott@linkfinancial.co.uk
T: +44 (0)20 7150 0228 www.linkfinancial.eu

Credit Action:
Ceara Crawshaw – cearacrawshaw@creditaction.org.uk 020 7380 3390

Link Financial, one of Europe’s leading purchasers and servicer of both performing and non-performing loans, is pleased to announce the appointment of Philip Tinsley as Head of Compliance. Formerly with KPMG, Philip has dealt with compliance related matters and regulators for over twenty years and held senior management positions in both industry and the largest professional consultancies. With significant changes in the regulatory environment planned over the next few years he is looking forward to ensuring Link Financial remain fully compliant and lead best practice within the industry.

Notes to the editors:

Link Financial

Link Financial is one of Europe’s leading purchasers and servicer of both performing and non-performing loans, managing more than 1.5 million customers and €6 billion of receivables across its European platform. The company’s headquarters are in London, with further operational centres in Spain, Italy, Germany, Ireland and Wales. Standard & Poor’s (S&P) has awarded Link’s UK business a special servicer ranking of “STRONG – Outlook Stable”, meaning it has the highest rating possible for a consumer loan special servicer in its market.

For further information, please contact:

Gerald Elliott, Communications Director, Link Financial Group
T: +44 (0)20 7150 0228 E: gelliott@linkfinancial.co.uk

Link Financial Group, 89 Albert Embankment, London SE1 7TP, UK

www.linkfinancial.eu

Link Financial is pleased to announce that it has been appointed as back-up servicer to TdA Lico Leasing III on a portfolio of over 5,883 lease contracts to 4,206 debtors covering Spanish SMEs and self-employed individuals. Moody’s and DBRS have assigned provisional ratings to the senior note, rating it as A3 and AAA respectively with a value of €78m.

Link will receive regular data feeds from the Servicer to the transaction as well as performing a review of this information for the benefit of the deal. Furthermore, Link’s Spanish business, Link Finanzas SL, would assume successor servicing duties at the discretion of the management company within the transaction.

Selina Burdell, COO of Link Financial Group, commented, “We are pleased to have been selected as the backup and successor servicer to this transaction. This provides further evidence that Link’s approach to backup servicing, as well as the strength of our operational capabilities, is a compelling offering to the European ABS market”.

This appointment follows on from the group’s recent strong performance in its European servicing operations. Standard & Poor’s (S&P) recently reviewed the company’s servicer ranking raising it to “STRONG – Outlook Stable” awarding Link Financial with their highest rating for a consumer loan special servicer in Europe.

Notes to the editors:

Link Financial

Link Financial is one of Europe’s leading purchasers and servicer of both performing and non-performing loans, managing more than 1.5 million customers and €6 billion of receivables across its European platform. The company is headquartered in London, with further operational centres in Spain, Italy, Germany, Ireland and Wales.

For further information, please contact:

Gerald Elliott, Communications Director, Link Financial Group
T: +44 (0)20 7150 0228 E: gelliott@linkfinancial.co.uk

Link Financial Group, 89 Albert Embankment, London SE1 7TP, UK

www.linkfinancial.eu

The latest advert in the Link Financial 2012 campaign focuses on treating customers fairly. 14 years ago Link were one of the first within the industry to treat the people it deals with as ‘customers’ not ‘debtors’. Treating customers fairly has always been embedded at the core of what we do.

Our strong adherence to those founding principles has seen our business grow steadily through the years. We are now the trusted partner for an increasing number of pan-European lenders and global investors for our best in class servicing and advisory expertise.

As a leading manager of both performing and non-performing accounts Link Financial now serves over 1.4 million customers and is responsible for more than €6 billion of receivables across its European platform.

Notes to the editors:

Link Financial

Link Financial is a leading purchaser and servicer of both performing and non-performing loans, managing more than 1.4 million customers and €6 billion of receivables across its European platform. The company is headquartered in the UK, with further operational centres in Spain, Italy, Germany and Ireland.

Link’s institutional shareholders include Lloyds Banking Group and Cheyne Capital Management.

For further information, please contact:

Gerald Elliott, Communications Director, Link Financial Outsourcing

T: +44 (0)20 7150 0228 E: gelliott@linkfinancial.co.uk

Link Financial Group, 89 Albert Embankment, London SE1 7TP, UK

www.linkfinancial.co.uk

In September 2012, through its fund partnership, Link Financial launched its second fund dedicated to the purchase of distressed consumer receivables in the UK and across the European continent.

With investor demand increasing, we continue to build on our track record which allows our banking and consumer finance clients to access institutional capital from across the globe; both for business as usual debt sales or for the one-off transfer of large portfolios.

This follows on from the group’s largest ever month of collections through its loan servicing operations, exceeding €50 million in the month of July.

www.linkfinancial.co.uk

Link Financial is pleased to announce that cash collections across its European footprint reached €50 million in July 2012. This important milestone reflects strongly on the continued development of the group’s pan-European loan servicing and debt purchasing capabilities.

New contract wins in the asset finance and leasing area have also helped the group’s volumes along with the growing imperative within banks, credit card issuers and consumer finance lenders to deleverage their balance sheets and strengthen their capital base through the sale of their non-performing loan (NPL) portfolios.

Standard & Poor’s (S&P) recently reviewed the company’s servicer ranking raising it to ’STRONG - Outlook Stable’ making Link Financial their highest rated consumer loan special servicer in the UK.

Notes to the editors:

LINK Financial

Link Financial is a leading purchaser and servicer of both performing and non-performing loans, managing more than 1.4 million customers and €6 billion of receivables across its European platform. The company is headquartered in the UK, with further operational centres in Spain, Italy, Germany and Ireland.

Link’s institutional shareholders include Lloyds Banking Group and Cheyne Capital Management.

For further information, please contact:

Gerald Elliott, Communications Director, LINK Financial Group

T: +44 (0)20 7150 0228   E: gelliott@linkfinancial.co.uk

Link Financial Group, 89 Albert Embankment, London SE1 7TP, UK

www.linkfinancial.co.uk

London, 05 March 2012

Standard & Poor’s recently reviewed the companies ranking raising it to ’STRONG - Outlook Stable’ as a consumer finance special servicer in the U.K.

The STRONG ranking reflects S&P’s view of the following:

• Diversification of LINK’s servicing activities into back-up servicing and small commercial loans. LINK also has a healthy pipeline of new business
• Continued good collection levels on mature portfolios.
• Stable default rates on payment arrangements, which we view as a positive trend in the current economic climate.
• LINK’s continued investment in employee training.
• Full integration of the London and Caerphilly sites. This has resulted in cost savings by eliminating work duplication, enabling site-specificspecialization, and further process automation.
• Financial strength of LINK’s shareholders and financial partners.
• Experience of management and staff.
• Strong system capability, efficiency, and control.
• The servicer’s flexibility to board and manage different types of loans.
• LINK’s successful response to changing market conditions and situations.
• LINK’s established internal audit process with PricewaterhouseCoopers, which we consider to be robust and fully independent of LINK’s operations.

For further information, please contact:
Paul Burdell
LINK Financial 020 7793 2650

Notes to the Editors

LINK Financial Group

Link Financial Group is one of Europe’s leading purchasers and servicers of semi- and non-performing consumer receivables. The Company has acquired rights to £5bn+ of receivables, which represents more than 1.5 million individual customers. Link operates in over 20 countries and has servicing operations in the UK, Spain, Italy, Germany and Ireland. Link’s institutional shareholders include Lloyds Banking Group and Cheyne Capital Management.