2019 communication on progress

2019COMMUNICATIONON PROGRESS

2 - COMMUNICATION ON PROGRESS 2019 I GESTION CREDIT EXPERT

TABLE OF CONTENTSCEO STATEMENT OF CONTINUED SUPPORT FOR THE UN GLOBAL COMPACT 4

THREEFOLD EXPERTISE IN A GLOBAL APPROACH TO RECEIVABLES 5

GCE GROUP: 49 YEARS SERVING BUSINESSES 6

KEY FIGURES AND INFORMATIONS 7

CSR, A VOLUNTARY, PRIORITY AND INCLUSIVE APPROACHFOR GESTION CREDIT EXPERT 8

OUR CSR APPROACH IS BASED ON 4 AXES 10

CSR, A CONTINUOUS IMPROVEMENT APPROACH, KNOWN AND CARRIED OUT BY EACH EMPLOYEE WITHINGESTION CREDIT EXPERT... 11

AND WIDELY BROADCASTED TO ALL OUR EXTERNAL STAKEHOLDERS 11

TODAY OUR CSR APPROACH AND OUR EFFORTS ARE REWARDED 13

AND TOMORROW...QUALITY AND CSR APPROACH: A COMPLEMENTARITY OF GOOD SENSE FOR GESTION CREDIT EXPERT 13

GUARANTEEING THE RELIABILITY OF OUR CSR APPROACH, OUR NEW AMBITION FROM 2020 14

PRESENTATION OF THE GLOBAL COMPACT 15

HUMAN RIGHTS 16

LABOUR RIGHTS 17

ENVIRONNEMENT 17

COMBAT AGAINST CORRUPTION 17

OUR COMMITMENTS AND ACTIONS FOLLOWING SIGNATURE OF THE GLOBAL COMPACT 18

HUMAN RIGHTS 19Peaople at the heart of efficiency 20Supporting aid programmmes in step with our values 22Engaging the responsabilities of our partners 23Key indicators 24

LABOUR RIGHTS 25Increasing staff numbers 26A welcome process for new staff members that is followed to the letter 26Varied, multicultural profiles for activities without borders 26An intergenerational group 27A group resolutely committed to gender equality 27A group in favour of equality of opportunity 28Attentive and personalised career tracking 28Developing the professional competencies of our staff 28


Offering conditions that are favourable to the quality of work 29Regular, transparent social dialogue 29Digitize our HR management and use a HRMS 30Communicate our good practices 31Key indicators 33

ENVIRONMENT 35Objective: energy saving, recycling and waste reduction 35Key indicators 38

COMBAT AGAINST CORRUPTION 29Accounting and extra-financial transparency 40Objective, impartial selection of suppliers 40Specific framework regarding business gifts and other benefits 40Conflict of Interest 41No Contributions to political parties by and in the name of GESTION CREDIT EXPERT 41Information security management 41A D.P.O to ensure compliance with data protection 42Key indicators 43


CEO STATEMENT OF CONTINUED SUPPORT FOR THE UN GLOBAL COMPACT

Since 2011, GESTION CREDIT EXPERT supports the United Nations Global Compact. This major initiative from the United Nations is to call to companies to align strategies and operations with universal principles on human rights, labour, environment and anti-corruption, and take actions that advance societal goals.

Social and environmental responsibility is a voluntary process and has been a priority in the development of GESTION CREDIT EXPERT’s activities since 1970.

Our mission is to provide our clients with sustainable and effective solutions based on respect for and protection of human rights, employment law and the environment; we are also deeply committed to facilitating the fight against corruption.

This mission would be impossible without our employees, our clients and our partners, who support the firm and share our convictions.

With the present document, I wish to advance the UN global compact 10 principles, so that they will continue to be integrated in our group daily life, its strategy and its process. And maybe, it is my hope that we inspire our readers to support the Global Compact too.

This is why, i am delighted to renew GESTION CREDIT EXPERT Group’s commitment to the United Nations Global Compact.

Christophe NOBILET President and CEO

GESTION CREDIT EXPERT

THREEFOLD EXPERTISE IN A GLOBAL APPROACH TO RECEIVABLES


GESTION CREDIT EXPERT: 49 YEARS SERVING BUSINESSES

Created in 1970, GESTION CREDIT EXPERT is an economic facilitator that helps businesses of all sizes and in all sectors, to increase their cash flow and reduce their customers credit risks. The 3 tailor-made solutions from GESTION CREDIT EXPERT are : Credit Management consulting, debt collection (B2C and B2B), inestigations. The 52 lawyers, debt collectors, investigators and consultants of the group are all based in France, in 7 cities. GESTION CREDIT EXPERT also has an international network of 300 partners (lawyers, bailiffs, mediators, foreign colleagues), which enables it to work with debtor-clients based around the world.

ConsultingOptimise your WCR

Debt CollectionRecover your debts

InvestigationsReduce your risks

The Operational Credit Management Consultancy division offers six types of tailored offers:- Organisation audit and consultancy- Bespoke training, - Assistance with the choice and de-ployment of business tools- Cash running© (a quick and mas-sive method for collecting outstanding amounts due)- Outsourcing of white-label receivables- The digitalization of invoices.

The Out of court and judicial collec-tion of civil and commercial debts in France and internationally division offers:-Pre-reminder services- Debt collection services- Debt re-purchase services

The French and International Civil Investigations and Commercial Information division offers opera-tional solutions: - Address searches, search for heirs or beneficiaries- Solvability investigations- Risk analyses, supervisory orders, - Opinions on property value


KEY FIGURES AND INFORMATIONS

300 correspondents in France and internationaly

130 m€ • of assets under management

France Teams all based in France

52employees spread over 3 legal entities and 7 sites

8different languages

1970The year in wich the group was created

10 000 investigations conducted/ year

23rd out of 500 French players in the sector of outsourced accounts receivables

management & debt collection services

TOP 5100% independent French companies

100 000 debts recovered every year

CSR, A VOLUNTARY, PRIORITY AND INCLUSIVE APPROACH FOR GESTION CREDIT EXPERT


Our CSR approach is voluntary in the development of our activities, and this, since the creation of the company in 1970.

We did not wait for the new “loi PACTE” to define our «raison d’être» (vision/mission) which guides our daily decisions, actions or relationships. Our CSR policy, deployed alongside our QMS, means that we plan our firm’s strategy and operating model in a holistic way (organization, management system, product / solution offer, relationship with stakeholders, social and societal impact, etc.).

Together, our mission, vision, values and ambition constitute the true foundations of our group and help us stay on track. Our CSR and quality policies are the cement of these foundations.


Our CSR policy is mainly based on:• Our official commitment to the United Nations Global Compact ; the complete document

of our communication on progress (COP) is available from our website and is updated every year,

• Engagement with «Entrepreneurs du Monde» and «NAMASTE»,• Environmental protection actions, in particular the use of «EASYTRI» for the recycling

of office waste,• Continuous actions to improve the lives of employees at work,• The fight against corruption,

OUR CSR APROACH IS BASED ON 4 AXES :

1. Human rightsOur mission is to promote and respect the protection of international human rights law in our sphere of influence. And we scrupulously take care not to be complicit in their violations.People remain at the heart of the company’s performance: cohesion, team spirit and well-being at work are a priority.In addition, we financially support non-profit associations whose values are close to ours, whether local, national or international.

2. International labor standardsGESTION CREDIT EXPERT respects French labor law and the eight fundamental conventions of the International Labor Organization which cover fundamental principles and rights at work: freedom of association, right to collective bargaining, prohibition of all forms of discrimination and harassment, respect for the person and maintenance of their integrity and dignity.

3. Respect the environmentThe GESTION CREDIT EXPERT group based its control and reduction of its environmental footprint policy on three fundamental commitments:

• Compliance with the regulations in force• Prevention of different types of pollution• Continuous improvement of knowledge, challenges and actions implemented for better

environmental performance

4. Fight against corruptionFounding member of the ANCR, National Syndicate of Debt Collection and Commercial Information Cabinets and then of FENCA, an association of Collection Firms in Europe which define the ethical rules of the profession, GESTION CREDIT EXPERT undertakes to respect them and to promote them.


CSR, A CONTINUOUS IMPROVEMENT APPROACH, KNOWN AND SUPPORTED BY EACH EMPLOYEE WITHIN GESTION CREDIT EXPERT…

CSR is everyone’s business within GESTION CREDIT EXPERT. It animates us when we recruit a new collaborator, it also guides us during the annual appraisal interviews (they are an integral part of the appraisal grid in the same way as expertise and know-how to be). And for each debt collection mission (mandate) that we carry out for the benefit of our customers, we significantly contribute to improve their cash flow, support their growth, or preserve their jobs. We all keep in mind that late payments and debts were the cause of 13,500 business bankruptcies and led to the loss of 38,000 jobs in 2017. So when we collect arrears or we advise companies on their their receivables management, we are convinced that we are helping to preserve companies health and therefore also their jobs.

…AND WIDELY BROADCASTED TO ALL OUR OTHER EXTERNAL STAKEHOLDERS

We are assessed each year by EcoVadis, a collaborative CSR rating platform between buyers and suppliers. EcoVadis evaluation sheets allow us to measure and demonstrate our group’s CSR performance on a detailed scale and share it with many customers, with maximum credibility and control.

Our COP is available on the website for all our stakeholders (customers, prospects, suppliers, partners, employees, banks, associations and affiliations) and is sent to all new employees as part of their integration program.

Finally, we participate in morning sessions reserved for SMEs to promote a CSR approach, a performance lever, in our territory. For example, we testified this year to a professional audience during an APEC morning session on the theme: «CSR approach, what impact on HR practices?».


UNE ÉVALUATION TRÈS POSITIVE ET TRÈS GRATIFIANTE DE NOTRE DÉMARCHE RSE

After being certified «Silver» since 2016, GESTION CREDIT EXPERT has just received in September 2019 the EcoVadis «Gold» medal with a score of 72/100. This score ranks us among the top 1% of the 60,000 companies worldwide that are most successful in terms of CSR.


TODAY, OUR CSR APPROACH AND OUR EFFORTS ARE REWARDED

We received an award during the 2019 CSR and Global Performance Trophies organized by France National Council of Public Accountants (CSOEC): this trophy is «Best governance» in the «Best CSR approach» category.

These distinctions obviously help us strengthen the trust we inspire to our stakeholders and go exactly in the direction of our corporate vision: to be the most recognized and respected partners in our industry.

AND TOMORROW...

QUALITY AND CSR APPROACH: A COMPLEMENTARITY OF GOOD SENSE FOR GESTION CREDIT EXPERT

We are convinced that our Quality Management System coupled with a structured CSR approach will allow GESTION CREDIT EXPERT to strengthen two essential qualities for its sustainability: its agility and the ability to adapt its economic model to changes in its ecosystem.

GESTION CREDIT EXPERT has been ISO 9001 certified since 1999. Our Quality Management System provides a foundation to ensure that the needs of our customers are taken into account and that we know how to respond to them in an appropriate and sustainable manner. This base helps us carry out our actions using our common sense, pragmatism and simplicity, its main objective is to help us stay the course over time when it comes to continuous improvement.


GESTION CREDIT EXPERT has a culture and the structure to facilitate the deployment of our CSR approach: strategy, policy, objectives, action plans, etc.

A process established within the framework of a Quality Management System can, in addition to the “quality” input data (customers, regulations, costs, deadlines, etc.), integrate new ones (reduction of waste, number of training hours, gender equality, energy consumption...).

QMS and CSR approach are both based on a dynamic of continuous improvement based on stages whose input data cover more or less vast fields, but which are similar in their sequencing:

• Risk / opportunity (or impact) analysis,• Identification of stakeholders and their expectations,• Definition and sharing of a vision, values and a strategy,• Application of this strategy in policy and operational objectives,• Establishment and implementation of improvement action plans,• Implementation of performance measurement and monitoring devices, indicators,

and anomalies,• Review of results and continuous improvement of performance across all fields

covered by the procedures.

GUARANTEEING THE RELIABILITY OF OUR CSR APPROACH, OUR NEW AMBITION FROM 2020

Because today more than ever we are aware of the role we have to play with our customers and all our other stakeholders, we want to give them a guarantee on our overall and sustainable performance and we must also help them to achieve their own goals when it comes to implementing other development models that are more virtuous and more respectful of men, women and the resources available on our planet.

It is therefore quite natural that in the coming months, we would like to activate other tools to progress and give more meaning and more overall coherence to our CSR commitment. Thus, our project in 2020:

• To build and formalize a CSR roadmap based on the 17 Sustainable Development Goals (SDGs), adopted in September 2015 by the United Nations. These goals provide a universal agenda to be achieved by 2030 to build a more sustainable and inclusive world.

• Introduce our CSR strategy in our management review.• To integrate a labeling process

PRESENTATION OF THE GLOBAL COMPACT


The Global Compact is a UN initiative started in 2000 and aimed at encouraging busi-nesses the world over to adopt a socially responsible attitude by committing to integrate and promote, within their sphere of influence, ten principles relating to human rights, inter-national labour standards and the combat against corruption.

These ten principles are inspired by:• The Universal Declaration of Human Rights • The Declaration on Fundamental Principles and Rights at Work • The International Labour Organisation • The Rio Declaration on the Environment and Development • The United Nations Convention Against Corruption

Although targeted mainly at the business world, the global compact also encourages the participation of civil society, professional organisations, governments, UN bodies, universi-ties and any other organisation.

Signature of the Global Compact is a proactive decision taken by the company. Member companies undertake to progress every year in each of the 4 themes of the Global Com-pact and must submit an annual report known as Communication on Progress (COP), which explains progress made.

REMINDER OF THE 10 PRINCIPLES OF THE GLOBAL COMPACT

HUMAN RIGHTS

Principle 1 Companies are asked to promote and support the protection of internationally recognised human rights within their sphere of influence.

Principle 2 Businesses are asked to ensure that their own companies do not participate in any way in the violation of human rights.


INTERNATIONAL LABOUR STANDARDS

Principle 3 Businesses are asked to support freedom of association and recognise the right to collective bargaining. Principle 4Businesses are asked to contribute to the elimination of all forms of forced or compulsory labour. Principle 5Businesses are asked to contribute to the eradication of child labour. Principle 6Businesses are asked to contribute to the elimination of all forms of discrimination in the workplace.

ENVIRONMENT

Principle 7Businesses are asked to assume a preventive and precautionary approach towards environ-mental challenges. Principle 8Businesses are asked to undertake initiatives to promote greater responsibility with regard to the environment. Principle 9Businesses are asked to encourage the development and distribution of environmentally-friendly technologies.

COMBAT AGAINST CORRUPTION

Principle 10Businesses are asked to take action against all forms of corruption, including extortion and bribery.

OUR COMMITMENTS AND ACTIONS FOLLOWING SIGNATURE OF THE GLOBAL COMPACT


KEY INFORMATION• Two «off-site» events were organized: an awards ceremony

to celebrate 2 employees who have completed a certain number of years’ service, a meal cruise on the Canal du Midi to celebrate all the good results of the year.

• The election of the best Christmas sweater• Participation in projects that promote team-building: BEWALK,

Les Foulées des Entreprises• Regular communication of our CSR approach (integration of

the CSR part in our monthly meetings)• Formalization and distribution of the IT Charter, the Responsible

Purchasing Charter, and the Ethics Charter.

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HUMAN RIGHTS

• More engaging employees to offer and / or participate in charitable or united actions

• Organize an off-site day incorporating both work sessions on improving our processes and moments of share and relaxation


HUMAN RIGHTS

By supporting the Universal Declaration of Human Rights, GESTION CREDIT EXPERT reaffirms its will to give its employees equal respect, and in complete transparency. GESTION CREDIT EXPERT is also keen to honour the trust of its stakeholders by pursuing a policy of integrity and transparency in all its economic activities.Finally, the group seeks to promote the compact’s principles and create awareness of the Social and Environmental Responsibility Policy amongst its staff, its clients, its suppliers and its partners in general.

96% OF OUR STAFF THINKTHAT THEIR WORK IS INTERESTING

PEOPLE AT THE HEART OF EFFICIENCY

Cohesion, team spirit and well-being at work: a priority

Our staff enjoy a stimulating work environment, exempt from any form of discrimination or harassment.

We are extremely attentive to the balance between private and professional life. In addition to their salary, our staff enjoy quality services in terms of mutual health insurance and provident funds, meal vouchers and the 35h week agreement.

Every year we carry out a survey amongst all our staff to measure the company’s overall satisfaction rate. Their expectations and perceptions regarding their working environment, as well as their commitment, are scrupulously studied in order to implement continuous improvement.

To enhance work and make it easier for employees to progress in the company, we organized work in project mode whenever possible to enable employees to express their ideas and develop new skills and to facilitate sharing and collaboration between departments.


HUMAN RIGHTS

GESTION CREDIT EXPERT encourages its employees to take part in sporting events by paying for the costs of registration and equipment.

For its second participation in the Bewalk, corporate health challenge GESTION CREDIT EXPERT knew how to encourage 12 from its employees in 2019 (4 more than in 2018). GESTION CREDIT EXPERT saw in the challenge a fun way to promote team spirit and social interaction and thus wellbeing at work. It was

also an opportunity to contribute to a good cause with all the proceeds of the event going to the charity Les Etoiles du Sport Solidaires.

On 6 June 2019 the 5th Foulées des entreprises business run for research into cancer cures and palliative care was held at the Oncopole cancer research park in Toulouse. GESTION CREDIT EXPERT was repreented by 8 of its employees.


HUMAN RIGHTS

SUPPORTING AID PROGRAMMES IN STEP WITH OUR VALUES

Our group also provides financial support to non-profit associations with values close to our own.

We are continuing with the commitment initiated in 2011 with the NAMASTE charity which supports and finances humanitarian projects in Southern India (micro-credit and education for women).

Through grants we support the charity Entrepreneurs du Monde, which works with people in developing countries through micro finance and social entrepreneurship programmes, and helps with the creation of very

small businesses.

In 2016 GESTION CREDIT EXPERT joined Réseau Entreprendre, a national business support network, in order to do its bit to contribute to the economic development of its area.

Since then Christophe Nobilet has helped more than 10 entrepreneurs to set up their own business. This is his way of sharing and imparting his passion for business while helping others discover theirs.


HUMAN RIGHTS

ENGAGER LA RESPONSABILITÉ DE NOS COLLABORATEURS ET AUTRES PARTIES PRENANTES

Aware that our commitment also relates to sharing CSR values with our business partners, we have formalized and drawn up a Responsible Purchasing Charter in connection with supplier and partner evaluation. This charter is now communicated to our customers, via the company’s website, to our prospects during calls for applications, to our suppliers and partners when they are referenced.

This year, we also formalized and wrote our Ethics Charter. It was distributed to all employees in July 2019. It can be consulted at any time from our Human Resources Information System and on our shared network. It is now included in the welcome pack for all new employees, in the same way as our Internal Regulations and our new IT Charter.

Since 2017 we have systematically communicated our Communication on Progress. The document is now available for free access on our website and is relayed on our social media pages and in our newsletters.


KEY INDICATORS

At the end of November 2019, no violation judgment, nor any penalty in respect of human rights was sent to GESTION CREDIT EXPERT from the Labor Inspectorate, the CNIL, or the Defender of Rights.

HUMAN RIGHTS


LABOUR RIGHTS

KEYINFORMATION• Agefiph diagnosis• Information system audit• Formalization of our Company form to prevent professional risks

(with ASTIA)• Consultation for the redesign of our workspaces• Evaluation support enrichment for annual individual interviews to

extend everyone’s professional project• Active participation in the 1st Rallye des Pépites Toulousaines• Establishment of an HRMS• Active participation in an APEC morning session on the theme

“CSR approach, what impacts on HR practices”• Formalization and distribution of our HR charter

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• Having our CSR approach evaluated according to the labeling criteria

• Implementation of a Job and Competency Planning solution


A major player in Credit Management, GESTION CREDIT EXPERT is a company on human scale, which has given itself the responsibility of creating and developing an efficient and ambitious social model.

GESTION CREDIT EXPERT respects French legislation in terms of labour law and the eight fundamental conventions of the International Labour Organisation which cover all the fundamental principles and rights at work: freedom of association, the right to collective bargaining, a ban on all forms of discrimination and harassment, respect for individuals and maintenance of their safety and dignity.

INCREASING STAFF NUMBERS

As of November 30th, 2019, the group had 25 employees, i.e. 5 net job creation vs. 2015.

With 85% of employees on permanent contracts, GESTION CREDIT EXPERT contributes to combating job insecurity.

A WELCOME PROCESS FOR NEW STAFF MEMBERS THAT IS FOLLOWED TO THE LETTER

For a quick and easy adaptation of any new employee, the GESTION CREDIT EXPERT group has set up a follow-up integration process. As soon as he arrives, the new employee is greeted by an appointed referrer, then the human resources department, receives a welcome booklet and begins a discovery tour of all the group’s services for a day.

VARIED, MULTICULTURAL PROFILES FOR ACTIVITIES WITHOUT BORDERS

Because it is a company by nature diverse and open to the world, GESTION CREDIT EXPERT makes multiculturalism a strong priority of its HR policy.

48% of our turnover is made internationally. As such, 16% of employees are foreign or of foreign origin. We work in 8 languages to operate worldwide and activate our network of 300 international correspondents (lawyers, bailiffs, counterparts ...).

LABOUR RIGHTS

2014 2015 2016 2017 2018 2019

2220 21

24 24 25

Average number of employees

fixed-term contract

4%

CDI85%

Pro Training4%

Internship8%


AN INTERGENERATIONAL GROUP

The average age within the company is 41 years old. 9% of the workforce under 25 and 13% over 55.

A GROUP RESOLUTELY COMMITTED TO GENDER EQUALITY

GESTION CREDIT EXPERT is a company co-founded by a woman where the key positions are mainly held by women. And because we are convinced that equal rights between women and men remain a performance lever, we do everything we can to promote balance and diversity for our teams.78% feminized, the group aims to recruit more men to promote gender equality, which is also a factor in success.

In April 2019, 9 of our employees volunteered to represent GESTION CREDIT EXPERT at the first Toulouse edition of the Rallye des Pépites.A fun and civic treasure hunt that takes the form of a discovery tour of stage companies on several circuits, the rally is open to mixed teams of 4 people. The «pépites» are the

stage companies that open their doors that day.Citizen event, its objective is to reveal the extraordinary economic potential of a city from the angle of diversity and female entrepreneurship.Internally, the team very favorably welcomed the project, at all levels of our company and by all generations, Baby-Boomers, X, Y, and Z. The employees very quickly perceived the interest in participating in this event and were particularly active. It was an opportunity for the team to:

• Discover their professional universe differently,

• Show the very important aspect of their daily work to preserve the health of businesses and facilitate the economy

• Highlight their skills.• For some, getting out of their comfort

zone when it was a question of preparing in project mode GESTION CREDIT EXPERT participation in the event or of animating the stage on D-Day.

The average scores awarded by the crews who visited GESTION CREDIT EXPERT (110 people welcomed) were as follows:

• Reception within the company: 9.76 / 10• Company presentation: 9.25 / 10• Trial: 8.71 / 10

The crews obviously had a good time with us: «A super dynamic team, what a welcome!», «A lot of enthusiasm», «Real teamwork and organized welcome. Big up for the carot cake ”.

78% of women in the group90% of managers are women

LABOUR RIGHTS


A GROUP FOR EQUAL OPPORTUNITIES

GESTION CREDIT EXPERT has one person with a disability on its staff.

The group regularly uses two adapted companies (French EA) to supply stationery. These companies, which employ at least 80% of disabled workers in their production workforce, allow these people to exercise a salaried professional activity in conditions adapted to their needs.

In 2019, we conducted a diagnostic to identify solutions in terms of employment and retention of people with disabilities, with the aim of defining a pragmatic and operational action plan in 2020.

ATTENTIVE AND PERSONALISED CAREER TRACKING

All employees benefit from an annual individual interview, a real time for discussion and an up-date on the past year. It is a source of both individual and collective progress. The employee is encouraged to give his or her opinion on working conditions and to look at solutions with the team manager to improve his or her performance or to remedy any difficulties encountered. He or she can also put forward his or her desires for evolution, express needs and ask for additional information.

DEVELOPING THE PROFESSIONAL COMPETENCIES OF OUR STAFF

Since the competencies of our staff are our

most important asset, GESTION CREDIT EXPERT is keen to develop them. The group has a strong training policy in order to offer staff the possibility of continually improving their skills. This is how we ensure that we remain agile as our businesses develop and always respond as closely as possible to the specific needs of our clients. And to optimise employee productivity and their satisfaction rate, several training methods are offered (on line, by phone, special sessions …).

In 2019 the Company provided 125 hours of training to 98% of its em-ployees. With a training budget of €712 per worker, HR is working alongside employees to develop their skills and help them build their careers.

n 2020, the HR team will implement a forward-looking career and skills management approach in order to build cross-functional solutions to meet the challenges of the company.

LABOUR RIGHTS

2014 2015 2016 2017 2018 2019

260 €

392 €

548 €

793 € 800 € 712 €

Training budget per employee


OFFERING CONDITIONS THAT ARE FAVOURABLE TO THE QUALITY OF WORK

Optimal material conditions Located in the heart of Toulouse, just two steps from the Carmes district, the GESTION CREDIT EXPERT head office premises are functional, with a human scale open space that offers the possibility of setting up discus-sions and meetings to encourage collabora-tive work.

In 2019, we conducted a technical audit of our entire information system with the aim of improving everyone’s working conditions.

Provide improved work-life balance We are extremely attentive to the balance between private and professional life. In ad-dition to their salary, our staff enjoy quality services in terms of mutual health insurance and provident funds over and above the legal minimum, meal vouchers and the 35h week agreement.

In addition, for many years we have res-pected the right to de-connection, to enable employees to reconcile their personal and professional lives, combatting the risks of burnout. All the company’s employees have the possibility of not connecting to digital tools (computers, mobile phones...) and of

not being contacted for a professional rea-son outside of their habitual working hours, including on their personal communication devices, (paid leave, working time reduc-tion agreement leave, week-ends, eve-nings...). This right to de-connection is for all employees, mainly those who have chosen home working or who have managerial sta-tus.

REGULAR, TRANSPARENT SOCIAL DIALOGUE

Regular dialogue with Staff Representatives and the monthly meetings with all staff are used to identify and take into account any difficult or abnormality that may arise.

Transparency, which is one of the group’s founding values, is applied on a daily basis, through regular communications by direc-tors and managers to all staff: team mee-tings, monthly meetings for the whole group, newsletters and information messages on company news, special events …

LABOUR RIGHTS


DEMATERIALIZE OUR HR MANAGEMENT AND USE A HRMS

Our HR management digitalization represents a great opportunity to:• Concentrate our forces on value-added tasks and reduce certain costs,• Reduce our ecological footprint by dematerializing all documents,• Save time when we produce our CSR reports.

In this context, the Eurécia Human Resources Management Information System stands out quite naturally since, thanks to it:

• We better manage our HR administrative processes,• We disseminate information better internally,• We make life easier for all of our employees,• We produce our CSR reports faster thanks to consolidated social data.

LABOUR RIGHTS


COMMUNICATE AND DISSEMINATE OUR GOOD PRACTICES

This year, we formalized and disseminated our HR charter. It is available on our common network for all and is distributed to all new employees.

Key informations from our HR policy:

LABOUR RIGHTS


LABOUR RIGHTS

We have also actively participated in events reserved for SMEs to promote a CSR approach in Occitania, as a performance lever:

• For example, we testified this year to an audience of professionals during an APEC morning session on the theme: CSR approach, what impacts on HR practices?

• We also shared our experience on the Rallye des Pépites alongside the organizers at the Salon de l’Entreprise Occitanie to recruit future volunteer companies for the 2020 events.


KEY INDICATORS

LABOUR RIGHTS


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9KEYINFORMATION• Precise traceability of our waste collected by a local recycling

company• Buying eco-friendly supplies• The change of ballasts for a better control of our energy

consumption• Internal communication on CSR issues during the European

Sustainable Development Week• «Zero paper» project launched: new directions are being

considered for optimizing the workspace by removing all or part of cupboards and cupboards.

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• Optimizing our information system to reduce our energy consumption (phones, screens, headsets ...)


ENVIRONMENT

The GESTION CREDIT EXPERT group has based its policy for the control and reduction of its environmental impact on three fundamental commitments:

1- compliance with current regulations 2- the prevention of various types of pollution3- continuous improvement of knowledge, challenges and action implemented for better environmental performance.

OBJECTIVE: ENERGY SAVING, RECYCLING AND WASTE REDUCTION

Eco-action, near-generalised practice which must become systematic.

Within the context of communications to employees, awareness of eco-responsible actions is regularly aroused using e-mail. For example we encourage the use of stand-by mode on computers, screens and printers,

we encourage people to turn the lights off when they leave their offices … by frequent reminders of good practice either sent by e-mail or displayed on posters in high people traffic areas.

Water fountains are available to employees, to limit the need to purchase of plastic bottles.

GESTION CREDIT EXPERT continues its efforts in terms of dematerialization of HR procedures. All internal communication is also dematerialized, whether it is the welcome booklet, all the integration documents, internal notes or current information which are delivered by e-mail. We thus limit our consumption of paper.

To reduce our operating waste, we have parametered printers to ensure that recto/verso printing in black and white is the default choice. We encourage our staff to use the other side of pages printed on the front only as rough paper whenever possible.

We also take care to control and reduce our energy consumption. So we replaced all the ballasts to limit the current used.


ENVIRONMENT We also recycle used cartridges, cardboard boxes and plastics. We also recycle used cartridges, cardboard, plastic, office equipment and hardware. We partnered with a local recycling firm to handle the management and recycling of our waste. The firm ensures the complete traceability of our waste and provides us with statistics indicating the savings achieved through sorting.

Since 2018, we have been using a supplier of ecological supplies: hand towels, trash bags, toilet paper, dish soap, hand soap, cleaning products for the cleaning agent ...And to involve all employees even more in an eco-responsible approach, a clause in the contract allows GESTION CREDIT EXPERT employees to benefit personally from preferential rates and exceptional discounts on all catalogs.

In early 2019, to reduce our carbon impact and act for the environment while raising awareness among our stakeholders, we offered all our employees, customers and other partners trees to plant. The principle: we have sent 450 Reforest’Action animated e-cards, and for each, 1 tree has been planted worldwide.


ENVIRONMENT

Restricting pollutant business travel and carbon emissions.

Our head office is equipped with a videoconference system to reduce business travel.

For the dispatch of mail and parcels, we mainly use the French postal service, “La Poste” and Neopost, which guarantee the carbon neutrality of their services.

We also encourage staff to prefer the use of public transport and “green” travel (train, tram, bus, metro, city hire bikes) by reimbursing 50% of the cost of their season tickets/registration fee. 55% of employees travel by public transport or green transport, and 32% mix cars and public transport.

just walking14%

publictransports

32%

car or scooter14%

car orpublic

transports32%

electric vehicle

9%

Employees travel modes


ENVIRONMENT

KEY INDICATORS


COMBAT AGAINST CORRUPTION GE

STIO

N CR

EDIT

EXP

ERT

ACTI

ONS

2018

- 201

9KEYINFORMATION• Our responsible purchasing code has been formalized and

distributed• Our code of ethics has been formalized and distributed to all

our employees• Our Safety Insurance Plan has been formalized and is sent to

our stakeholders who request it

TO D

O LI

ST20

20

• Awareness and training on the subject of the fight against fraud and corruption

• Obtaining the ISO 27001 standard



As a founder member of the ANCR, the National Union of Debt Collection and Commercial Information Firms, and then of FENCA, the Federation of European National Collection Associations, which define the profession’s ethical rules, GESTION CREDIT EXPERT is committed to complying with these rules and to promoting them. In 2014 Christophe Nobilet, CEO of GESTION CREDIT EXPERT, was elected as a director of the ANCR, through until end of 2017.

ACCOUNTING AND EXTRA-FINANCIAL TRANSPARENCY

GESTION CREDIT EXPERT is committed to a policy of total transparency when it comes to its financial communication. We will continue to publish our social accounts every year.

In addition, we communicate on our website our CSR approach and our Communication on Progress which applies to extra-financial reporting. We also communicate the results of the annual evaluation of our CSR Performance by EcoVadis. We also intervene at conferences and fairs, participate in CSR Trophies.

Finally, we communicate internally in a systematic and regular way our news related to CSR.

OBJECTIVE, IMPARTIAL SELECTION OF SUPPLIERS

When hiring contractors we call on at least two firms to stimulate competition between suppliers.We treat them with honesty, respect and equal opportunity during the selection pro-cess and when giving out business.We select our suppliers and partners impar-tially according to predefined and transpa-

rent criteria.If a supplier or partner makes an obvious mistake in their quotation or work, one that could impair future business dealings, we in-form them of it in writing even when against the short-term interests of GESTION CRE-DIT EXPERT.

Our relations are based on transparency and integrity. These principles are enshrined in our Sustainable Purchasing Charter sent to our suppliers.

SPECIFIC FRAMEWORK REGARDING BUSINESS GIFTS AND OTHER BENEFITS

Business gifts and other benefits (entertainment, reduced prices, service provision, etc.) either accepted or offered by GESTION CREDIT EXPERT and its staff are intended to build up firm relations between partners.

However, accepting such advantages could give rise to doubts as to the ability of a staff member to make an independent decision in the best interests of GESTION CREDIT EXPERT. By consequence, staff members have a duty of probity and agree not to ask for business gifts or other benefits.


COMBAT AGAINST CORRUPTION Accepting business gifts or other benefits from third parties or offering such benefits to third parties in contact with GESTION CRE-DIT EXPERT must be done, where appli-cable, in compliance with the following three principles:

• gifts much be for common usage and of a value of less than 150 euros• gifts offered in the name of GESTION CREDIT EXPERT must be, wherever pos-sible, gifts to be shared by a team of people • if a staff member finds him/herself confronted with a gift that exceeds this li-mit, he/she must inform the line manager who will then take the decision as to whe-ther to accept (or offer) the gift or benefit in question.

CONFLICT OF INTEREST

We must make sure that our direct or indirect personal activities and interests do not come into conflict with those of GESTION CREDIT EXPERT. We must be able to make objective decisions that are in the best interest of the Company. A conflict of interest arises when an employee or a friend or family member of an employee is likely to personally benefit from a transaction involving GESTION CREDIT EXPERT.Employees may thus not be involved in purchasing goods or services from a supplier in which they have a financial stake or personal connection. In case of doubt they must inform their superior(s).We must show proper judgement in order to avoid any situation that could result in a perceived or actual conflict of interest.

NO CONTRIBUTIONS TO POLITICAL PARTIES BY AND IN THE NAME OF GESTION CREDIT EXPERT

GESTION CREDIT EXPERT is committed to not financing any political parties or associa-tions whose purpose is mainly political and/or to contribute to any campaigns for candi-dates seeking local or national election.

Consequently, staff members are not autho-rised to make any political contributions in the name of GESTION CREDIT EXPERT.

This year, we formalized in writing and communicated internally our ethics charter which calls on the CEO and all his collaborators to respect a professional ethics stated in the form of «principles of actions».

INFORMATION SECURITY MANAGEMENT

Already strongly committed to security issues, GESTION CREDIT EXPERT formalized its IT charter and ordered an audit by an external IT security provider and formalized its Security Insurance Plan in 2019.

CyberVadis also evaluated us this year for the first time and gave us the score of 645/1000.

To prevent the risks of cyber attack, GESTION CREDIT EXPERT has taken out insurance.

In 2020, GESTION CREDIT EXPERT will start work on alignment with the practices derived from the ISO 27001 standard.


For GESTION CREDIT EXPERT, the privacy and personal data protection is an important subject.GESTION CREDIT EXPERT undertakes to comply, on the one hand, with law n ° 78-17 of January 6, 1978 relating to data processing, files and freedoms, known as the «Computing and Liberties» Law, as amended by the law of August 6, 2004, and on the other hand the European Regulation EU / 2016/679 which define the conditions under which processing of personal data can be carried out.Data subjects have various rights, including the right to access and rectify data stored on their account.

A D.P.O. TO ENSURE COMPLIANCE WITH DATA PROTECTION

GESTION CREDIT EXPERT has appoin-ted a Personal Data Protection Officer (D.P.O.). The latter’s mission is to ensure compliance with the provisions of Law No. 78-17 of January 6, 1978 as amended, and of Regulation (EU) 2016/679 of April 27, 2016 GDPR implemented on May 25, 2018.

GESTION CREDIT EXPERT formalized the procedure for requesting access to personal data:

• The D.P.O must be consulted by the data controller before their creation.

• It lists in a register the list of all personal data processing by GESTION CREDIT EXPERT as and when it is implemented.

• This list is made available to anyone upon request. It is also posted on the GESTION CREDIT EXPERT intranet.

• The correspondent ensures respect for the rights of individuals (right of access, rectification and opposition).

• In the event of difficulties encountered during the exercise of these rights, the persons concerned may enter the D.P.O. at the email address [email protected].

In addition, all GESTION CREDIT EXPERT employees have been made aware of good practices for processing personal data.

GESTION CREDIT EXPERT, in accordance with legal provisions, has implemented various technical and organizational measures to collect, secure, process, store, and archive personal data.




KEY INDICATORS

GESTION CREDIT EXPERT9-11 Avenue de la Garonnette31068 TOULOUSE Cedex 7 - FRANCETel: +33 183 64 45 09 I [email protected] I www.gestioncreditexpert.com

2019 communication on progress

Documents