CAREERS & LOCATIONS NASDAQ: ECPG $59.11 Learn about our commitment to ENVIRONMENTAL, SOCIAL & GOVERNANCE READ MORE We Are Encore Capital Group Encore Capital Group is a global specialty finance company with operations and investments across North America, Europe, Asia and Latin America. Through its subsidiaries around the globe, Encore purchases or services portfolios of receivables from major banks, credit unions and utility providers. Customer service and regulatory compliance are at the heart of our business and are implemented through our collections strategy. FEATURED ARTICLE Leadership Insights: A Conversation with Encore President and CEO, Ashish Masih This year Encore President and Chief Executive Officer, Ashish Masih, celebrates four years in the role and 12 years with the company. We had a chance to sit down with him to talk about what he learned, his thoughts on Encore’s critical role in the economy, his hopes for the future and much more. You joined… READ ARTICLE Encore in Numbers: 2020 7,700+ global employees 8 countries where we operate 25+ years in business 51,000+ volunteer hours globally* $1.50b global revenue $2.11b global collections * from inception of program Our Mission, Vision and Values Encore Means More We always go the extra mile for our consumers, our colleagues, our clients, and our investors. It’s what sets us apart. LEARN MORE Investing in a Top-Tier, Global Company We leverage our scale in operations and our data and analytics expertise to deliver attractive returns to our shareholders through economic cycles. Encore is a publicly traded NASDAQ Global Select company (ticker symbol: ECPG) and a component stock of the Russell 2000, S&P Small Cap 600 and Wilshire 4500. READ MORE Committing to Social Responsibility Our Mission is to create pathways to economic freedom, and we do this by creating an opportunity-rich work environment for our people, giving back to the communities where we live and work, and operating effectively and ethically with a focus on the overall consumer experience. SEE HOW WE'RE MAKING A DIFFERENCE ABOUT ENCORE INVESTORS NEWS CONSUMER FEEDBACK CONTACT US CAREERS LOCATIONS © 2021 Encore Capital Group. All Rights Reserved. Terms of Use

CAREERS & LOCATIONS NASDAQ: ECPG $59.11 INVESTOR EVENTS & PRESENTATIONS Events & Presentations ABOUT ENCORE INVESTORS NEWS CONSUMER FEEDBACK CONTACT US CAREERS LOCATIONS © 2021 Encore Capital Group. All Rights Reserved. Terms of Use

CAREERS & LOCATIONS NASDAQ: ECPG $59.11 INVESTOR OVERVIEW We leverage our scale in operations, and our data and analytics expertise, to deliver attractive returns to our shareholders through economic cycles CORPORATE GOVERNANCE STOCK INFORMATION SEC FILINGS 2020 ANNUAL REPORT Encore Capital ABOUT ENCORE INVESTORS NEWS CONSUMER FEEDBACK CONTACT US CAREERS LOCATIONS © 2021 Encore Capital Group. All Rights Reserved. Terms of Use