Long-tenured director (since 2014) with strong financial services and CFO background; ECPG's 3-year total return of +58.8% vs. peer median of +60.6% is only -1.8pp below the peer median, well within the 65pp threshold required to trigger a vote against for strong-positive absolute TSR, so no TSR concern applies.

Director since September 2022 (less than 24 months at the time of the 3-year measurement window start), bringing insurance and financial services leadership experience; the TSR trigger does not apply and no other policy concerns are identified.

Director since 2015 with deep credit risk and information management experience from American Express; the 3-year TSR gap of -1.8pp vs. peer median is far below the 65pp threshold needed to trigger a vote against, and no other policy concerns are identified.

Director since 2019 with extensive CEO and financial services experience; the 3-year TSR gap vs. the peer median is only -1.8pp, well within the 65pp policy threshold, and no overboarding, attendance, or independence concerns are identified.

Director since 2019 with substantial international financial services and regulatory experience; no TSR trigger fires given the -1.8pp gap vs. the peer median against a 65pp threshold, and attendance and independence standards are met.

Director since 2014 with enterprise risk management and technology expertise from Capital One and Freddie Mac; the 3-year TSR gap is immaterial relative to the 65pp policy threshold, and no other policy concerns are identified.

Director since 2018 and a certified public accountant with extensive audit experience from PricewaterhouseCoopers, making him well-suited as the audit committee financial expert; the TSR trigger does not fire and no other concerns apply.

CEO and director since 2017; ECPG's 3-year return of +58.8% is only -1.8pp below the peer median, far within the 65pp threshold for strong-positive absolute TSR, so the TSR trigger does not apply to him as an executive director either.