Global Business Travel and Expense Policy

Finance
Global Business
Travel and Expense
Policy
Effective Date
June 27, 2016
Global Business Travel and Expense Policy
Document Summary
Title:
Policy Owner:
Chris Smith, Sr. Manager, Finance
Effective Date:
June 27, 2016
Supersedes:
November 30, 2015
Approved By:
Jonathan Clark, EVP and CFO
Policy Level:
III
Table of Contents
1
PURPOSE .......................................................................................................................... 4
SCOPE ............................................................................................................................... 4
POLICIES AND PROCEDURES ........................................................................................ 4
3.1
Policy Statement ............................................................................................................. 4
3.2
Travel Authorization ........................................................................................................ 5
3.2.1
U.S. and C.R. .......................................................................................................... 5
3.2.2
India......................................................................................................................... 5
3.3
Making Travel Arrangements ......................................................................................... 5
3.3.1
Family Emergency ................................................................................................... 5
3.3.2
U.S. and C.R. Employees ....................................................................................... 6
3.3.3
India Employees ...................................................................................................... 6
3.4
Payment Methods ........................................................................................................... 6
3.4.1
Credit Cards ............................................................................................................ 6
3.4.2
Travel Advance (India Only) .................................................................................... 7
3.4.3
Foreign Exchange ................................................................................................... 8
3.5
Air Travel ........................................................................................................................ 9
3.5.1
Reservations ......................................................................................................... 10
3.5.2
In-flight purchases ................................................................................................. 10
3.5.3
Changes, Unused Tickets, or Cancellations ......................................................... 11
3.5.4
Limits on Executives Flying Together .................................................................... 11
3.6
Ground Transportation ................................................................................................. 11
3.6.1
Best Practices ....................................................................................................... 11
3.6.2
Personal Vehicles .................................................................................................. 11
3.6.3
Rental Vehicles ..................................................................................................... 12
3.6.4
Taxis, Shuttles, and Car Service ........................................................................... 14
Internal Use Only
Page 1 of 31

3.6.5
Public Transportation ............................................................................................ 15
3.6.6
Parking and Tolls ................................................................................................... 15
3.6.7
Reimbursement Documentation Requirements..................................................... 15
3.7
Hotel ............................................................................................................................. 15
3.7.1
Preferred Hotels .................................................................................................... 15
3.7.2
Staying with Family or Friends .............................................................................. 15
3.7.3
Room Class and Upgrades ................................................................................... 15
3.7.4
Loyalty Programs .................................................................................................. 16
3.7.5
Cancellations ......................................................................................................... 16
3.7.6
Additional Hotel Charges ....................................................................................... 16
3.8
Tipping .......................................................................................................................... 16
3.9
Mobile Phones .............................................................................................................. 17
3.10 Incidental Expenses (No Receipt) ................................................................................ 17

3.11 Laundry ......................................................................................................................... 17
3.12 Business Services ........................................................................................................ 18
3.13 Meals and Entertainment .............................................................................................. 18
3.13.1
Travel meals .......................................................................................................... 18
3.13.2
Employee Relations Meal ...................................................................................... 18
3.13.3
Interview Meals ..................................................................................................... 18
3.13.4
Entertainment Meals ............................................................................................. 18
3.13.5
Documentation Requirements ............................................................................... 19
3.14 International Travel ....................................................................................................... 19

3.14.1
Preparation ............................................................................................................ 19
3.14.2
In-country .............................................................................................................. 20
3.15 Gift Giving ..................................................................................................................... 21

3.15.1
Gifts and Entertainment - Standards ..................................................................... 21
3.15.2
Company Gifts to Employees - Approval and Reimbursement ............................. 21
3.15.3
Giving To Third Parties .......................................................................................... 22
3.16 Other Expenses ............................................................................................................ 22

3.16.1
Employee Relations and Team Building Events ................................................... 22
3.16.2
Conferences, Seminars, and External Training ..................................................... 22
3.16.3
Individual Membership Dues ................................................................................. 22
3.16.4
Subscriptions and Services ................................................................................... 23
3.16.5
Supplies ................................................................................................................. 23
3.16.6
Expenses Not Addressed in this Policy ................................................................. 23
3.17 Expense Reporting and Reimbursement ...................................................................... 23
Internal Use Only
Page 2 of 31

3.17.1
Overview ............................................................................................................... 23
3.17.2
Timing .................................................................................................................... 23
3.17.3
Electronic Expense Report Forms ......................................................................... 24
3.17.4
Documentation ...................................................................................................... 24
3.17.5
Method of Reimbursement .................................................................................... 25
3.17.6
Right to Audit ......................................................................................................... 25
ROLES & RESPONSIBILITIES ........................................................................................ 25
GLOSSARY ..................................................................................................................... 25
RELATED POLICIES, PROCEDURES, OR OTHER REFERENCES ............................. 26
REVISION LOG ............................................................................................................... 26
APPENDIX A NON-REIMBURSABLE EXPENSES ...................................................... 28
APPENDIX B CONTACTS AND RESOURCES ........................................................... 29
Internal Use Only
Page 3 of 31
1 PURPOSE
This document covers rules, procedures, and guideline tips for domestic and international
business travel (travel up to 30 calendar days) and business expenses incurred by individual
employees. The objective of the information is to:
Provide guidance on what expenses are reimbursable and an appropriate use of

Encore funds;
Provide the information and tools needed to make travel arrangements, have a safe
and productive trip, and accommodate personal needs; and
Provide instruction on obtaining travel and expense reimbursement.
Questions not addressed by this document should be directed to the employees immediate
manager.
2 SCOPE
In Scope
This policy covers the practices of Encore Capital Group, Inc. and its wholly owned
subsidiaries (Encore).
Out of Scope
Business travel and relocation greater than 30 days in duration are covered by
Encores global mobility policies.
Expenses incurred by departments and paid directly by Encore (e.g., office supplies,
event sponsorship, or service fees).
3 POLICIES AND PROCEDURES

3.1
Policy Statement
It is the responsibility of employees who incur and approve expenditures to read,
understand, and ensure compliance with these policies and procedures. Employees
should exercise sound business judgment when incurring expenses and keep
expenses to a minimum, while conducting business effectively and safely. The
approving manager is responsible for reviewing expense reports for compliance.
Employees who do not comply with this policy may be subject to:
Delay or withholding of reimbursement
Disciplinary action up to and including termination
Employees should pay for and request reimbursement only for their own expenses,
except in the cases of a group meal, or an expense that the employee is unable to
charge to his/her credit card.
Internal Use Only
Page 4 of 31

Employees will be reimbursed for authorized business expenses that are completely
and accurately submitted, along with required documentation. Expense Reports are
considered invoices and are subject to Encores Payment Approval Policy.
Governing principles that represent Encores expectations are:
Expenditures must be a necessary expense of the organization
Expenses must have a clear business purpose and be directly related to goals
of the organization
Expenses must be reasonable and appropriate under the circumstances
Expenses must be fully documented along with required approval
Expenses incurred for a business purpose must not be driven by personal

enrichment, either in appearance or in fact
Expenditures must comply with all applicable laws
A non-exhaustive list of expenses that will not be reimbursed is available in Appendix

A.
3.2
Travel Authorization
Authorization is required prior to making travel arrangements.
3.2.1
U.S. and C.R.

Obtain verbal approval from the appropriate level of management, as
defined by the Payment Approval Policy.
3.2.2
India
Obtain approval on Travel Authorization Form from department/function
head (Director or above) & budget approval from Finance team.
Submit completed and approved Travel Authorization Form to Finance or
e-mail it to payroll-india@mcmcg.com (form can be obtained from Finance
or accessed online).
Unbudgeted travel to be approved by India Chief Operating Officer.
3.3
Making Travel Arrangements

Employees are responsible for ensuring that arrangements are in place prior to
traveling. For international travel, Host Country Managers can assist with ground
transportation in the Host Country, as needed. The Global Mobility Team and country
Executive Assistants assist with immigration (see more under the International Travel
section).
3.3.1
Family Emergency
In case of a family emergency when traveling, the employee is required to
contact his/her Manager (re: family death or accident) and the Travel
Management Company to change his/her flight. If this is not possible and a
new ticket must be issued, the company will reimburse the employee for
100% of the cost of the ticket.
Internal Use Only
Page 5 of 31

3.3.2
U.S. and C.R. Employees

Employees are required to book travel through Encores online booking tool,
Concur. Employees should receive log-in information for Concur
approximately one (1) week after their first day of work. See the Concur
Travel Traveler Frequently Asked Questions (FAQs) and Encore Midland
Credit Management Advisor Communication (American Express Travel
Representative Quick Reference Guide) for additional information. If an
employee has any questions on the Concur system or specific policy
questions, please contact Travel@mcmcg.com.
Encores Designated Travel Management Company
AMEX is Encores designated travel agency through which all air, lodging,
rail, and car rental reservations including in route changes must be made.
Required method of booking is using Encores online booking tool, Concur,
except for the following circumstances when calling the Travel Management
Company is approved:
SVP and above
Executive Assistants when booking for an SVP or above
Urgent changes to itineraries in route
Complex international bookings
Urgent bookings when access to the internet is not available
Booking on the Internet

Booking travel on any other internet site or travel agency (other than the
Encore Travel Management Company) is not permitted and may result in the
employees travel not being reimbursed. If an employee finds better pricing
online, he/she is to e-mail the Travel Management Company, and it will honor
the lower price.
3.3.3
India Employees
Employees need to work with their Executive Assistants to book airfare,
lodging, and rail transportation arrangements.
3.4
Payment Methods
3.4.1
Credit Cards
The use of a personal credit card for business travel expenses is permitted.
A corporate issued credit card is available as an optional alternative method
of payment for employees (U.S. only) who incur business expenses on a
regular basis. This card functions the same as a personal credit card.
Employees who are not able to charge expenses to a credit card should ask
their manager about options for handling charges. India employees, see
Travel Advance & Foreign Exchange section.
It is advisable to contact the credit card company prior to travel (particularly
international travel) in order to avoid the card being blocked due to activity in
an unexpected location.
Internal Use Only
Page 6 of 31

Employees should be cautious about using a credit card at smaller
businesses and in restaurants where the server may walk away with the card
to run the transaction.
Authorized Use
Corporate issued credit cards are only to be used for authorized business
expenses.
Billing and Payment
Employees are responsible for paying bills for personal and corporate credit
cards, directly:
Employees are responsible for paying on time and in full, regardless

of the status of expense reimbursement(s);
Late fees, finance charges, and interest charges incurred as a result
of untimely payment or non-payment are not reimbursable; and
Accounts Payable reviews all employee delinquency reports; failure to
pay may result in suspension or termination of corporate issued card
privileges and disciplinary action up to and including termination.
New Accounts, Questions, and Lost/Stolen Cards (U.S. Only)

Department Directors or above may request credit cards for their employees
by e-mailing the following information to Accounts Payable at
accounts.payable@mcmcg.com:
Employee name, position, and site location;
Dollar limit requested ($3,000.00 or $5,000.00); and
A brief explanation about why the card is needed.
The Accounting Director will work directly with the department Director or
above to issue an approved card. The Accounting Director is the ongoing
contact for questions.
If a card is lost or stolen, report it first to the credit card company, then to
Accounts Payable at accounts.payable@mcmcg.com.
3.4.2
Travel Advance (India Only)

India employees will be given a reasonable domestic or international travel
advance, based on the destination and duration of travel.
Authorized Use
Advanced funds are to be used only for authorized/reimbursable business
travel and entertainment expenses.
Currency
For international travel, the advance will be given in the foreign currency in
cash and/or a pre-loaded debit card. The employee has access to on-line
management of the debit card for the purpose of checking the balance,
viewing transactions, and printing/exporting statements.
Requesting Advances, Questions, and Lost/Stolen Debit Cards
To request advanced funds, the employee should send an e-mail to India
Payroll at least two (2) days in advance of travel. This will also be the internal
contact in the case of lost/stolen funds and other questions.
Internal Use Only
Page 7 of 31

If funds are lost or stolen, the employee should also call the card issuer bank
helpline number and block the card. A back-up card may be issued for such
cases at the time that the primary card is issued. Any amount not covered by
insurance will later be recovered from the employee.
Required Documentation
After the completion of travel, the employees expense report must be
submitted to Payroll within 30 working days, along with:
3.4.3
Receipts for all purchases;

The invoice that shows the foreign exchange rate; and
Residual funds.
Foreign Exchange
Exchange fees on cash are reimbursable. It is recommended that travelers
contact their bank and credit card companies ahead of travel to confirm
services and fees in the travel country.
The least expensive way to obtain cash is by using a bank Visa or
MasterCard debit card in an ATM because Visa and MasterCard give the
official exchange rate. Employees should be cautious about using ATMs at
night or in run-down areas.
Country Currency Information
Country
Currency
Tips
Colombia
C.R.
India
Peru
Internal Use Only
Peso
Colon
Rupee
Nuevo Sol
Most businesses accept major credit cards.
ATMs can be used to draw Pesos:
Bancolombia -- 400,000/transaction.
Davivienda -- 720,000/transaction.
Citibank 800,000/transaction.
ATMs can be used to draw Colones; there is

an ATM located in Encores office park.
Dollars can be exchanged at any bank; other

currencies may only be done at the Bank of
Costa Rica.
ATMs are readily available for cash

withdrawal, with a small transaction fee.
Vendors often do not have change, so

carrying small denominations is advisable.
Do not accept notes in poor condition (e.g.,
ripped), as these may not be accepted
elsewhere.

Page 8 of 31
Country
U.K.
U.S.
3.5
Currency
Pound
Dollar
Tips

Many businesses accept the U.S. Dollar.

ATMs can be used to draw Dollars.
Foreign currencies can be exchanged at most

major banks.
Air Travel
Domestic and international commercial flights are reimbursable, in accordance with
the below guidelines. Exceptions may be made on a case-by-case basis at the
discretion of the employees department management (VP+). Exceptions need to be
documented and remitted with the reimbursement request.
For India employees, the authorized mode of travel will depend upon the travel
distance and level of the employee.
Reimbursable Flight Class Eligibility
Total Flight Length
Flight Class
Titles Eligible
< 6 hours
Economy
All
> 6 hours
Economy
Up to M3 level
Business Class (International)
M4 level and Above
Business Class (International)

First Class (Domestic)
EVP +
Any
India In-country Travel Mode Requirements

Travel Distance
Mode of Travel
<= 200 miles
> 200 miles
Internal Use Only
Eligibility
AC II Rail or AC Chair Car
Up to M3 Level
Economy Air
M4 Level and above
Economy Air
All Levels
Page 9 of 31
3.5.1
Reservations
Ticket Fares
When purchasing tickets, the lowest available fare should be selected. Nonrefundable tickets generally represent the lowest fare offered and usually
require an advance purchase. Encore requires at least 30 days advanced
purchase for international flights, and at least 14 days advanced purchase for
domestic flights. Flights booked outside of these requirements will require
the employees manager approval prior to booking:
Direct flights can be selected if the cost is generally comparable to an

itinerary with a connecting flight.
If the airline charges a fee for seat selection, those charges are
reimbursable.
Travel between the U.S. and India

If flying economy, the employee may plan to include a 1-2 night stay in
his/her connecting city and is permitted to expense related hotel and meal
costs.
Weekend Travel
Weekend travel may be required for business purposes and will be
reimbursed accordingly.
Employees may extend their stay for personal use if the cost is comparable to
a business-only itinerary. Additional expenses incurred as a result of
personal travel are not reimbursable. Home country Holiday and Paid Time
Off (PTO) rules apply.
Loyalty Programs
Employees may participate in loyalty programs at their own expense and
keep the benefits. However, participation with a certain carrier should not
influence flight selection if it results in increased costs to Encore.
Checked Baggage
Encore will pay for one (1) checked bag (personal belongings) and additional
bags when transporting business items/property (e.g., promotional materials
or electronic equipment).
Insurance
Encore reimburses for additional travel/accident insurance for India and C.R.
employees. U.S. employees are covered by Encores insurance policy.
Additionally, when airline tickets are purchased using a corporate credit card,
the traveler automatically receives Travel/Accident insurance.
3.5.2
In-flight purchases
Encore will reimburse for meals as well as internet service for business use.
Charges such as in-flight entertainment and gifts are not reimbursable.
Internal Use Only
Page 10 of 31

3.5.3
Changes, Unused Tickets, or Cancellations

Denied Boarding Compensation
Employees may not give up their seat on a scheduled flight in exchange for
compensation when on company business unless the newly scheduled flight
will not interfere with a regularly scheduled work day.
Changing, Standby, and Cancelling
Fees associated with changing/cancelling flights are reimbursable, unless
due to the employee extending the stay for personal use. Refunds resulting
from changes or cancellations must be passed to Encore if the employee has
already filed for reimbursement.
Credits or unused non-refundable tickets must be reported to the employees
VP+ or the departments travel coordinator, if applicable. Credits should be
used at the earliest possible occasion. If the employee booked through the
Travel Management Company, the credits will be retained there for later use.
3.5.4
Limits on Executives Flying Together

Whenever possible and as business permits, the Chief Executive Officer and
Chief Financial Officer should avoid flying on the same aircraft together.
Additionally, no more than half of Encores Senior Vice Presidents should fly
on the same aircraft together.
3.6
Ground Transportation
Ground transportation such as personal and rental vehicles, taxis and shuttles, and
public transportation are reimbursable. Luxury services, such as limousines, are only
reimbursable with verbal approval from the employees department VP+.
3.6.1
Best Practices
Employees should select the most economical mode of transportation. Other
factors that may be considered include personal safety, lack of reliability of or
familiarity with local transportation, and the demands of extensive traveling.
Carpooling is strongly encouraged when two (2) or more employees are
traveling together.
3.6.2
Personal Vehicles
Insurance
Employees must have current personal automobile insurance when driving a
personal vehicle on company business. The employees personal automobile
insurance serves as the primary insurance coverage for personal vehicles
used for business purposes. Encore does maintain a separate automobile
policy, which would be secondary if any claim exceeded the employees
policy.
Mileage
Mileage incurred for business travel is reimbursable in accordance with the
table below. Reimbursement is limited to the mileage in excess of the usual
round-trip commuting to the office; the same applies to employees working
from home. Employees simply keep track of their own mileage in order to list
the miles on an expense report.
Internal Use Only
Page 11 of 31

Mileage Reimbursement by Country
Country
3.6.3
C.R.
Refer to manager (rarely applicable)
India
4 wheeler: Rs.8/km
2 wheeler: Rs.4/km
U.S.
IRS rate (http://www.irs.gov/)
Rental Vehicles
Rental car costs are reimbursable; however, authority to rent a vehicle/drive
while on business travel depends on country of origin and country of
destination.
Driving/Car Rental Authority
U.S.
Employee
India
Employee
C.R.
Employee
Permitted to drive in U.S.
Yes
Yes
Yes
Permitted to drive in India
No
Yes
No
Permitted to drive in C.R.
Yes, but not

advised
Yes, but not

advised
Yes
Permitted to drive in Peru
No
No
No
Permitted to drive in U.K.
Yes
Yes
Yes
Permitted to drive in Colombia
No
No
No
An employee choosing to rent a car while in C.R. should be familiar with the
accident procedures, as they are different from the U.S. (see Accidents
section).
Rental Requirements
All rental car companies require a major credit card and a valid drivers
license before releasing a rental car.
Preferred Agencies
Employees should book vehicles with the preferred agencies available
through the companys Travel Management Company.
Grade
Employees should choose the lowest reasonably priced mid-size car. Fullsize cars may be requested when needed for three (3) or more employees
(provide names of other employees on the expense report).
Internal Use Only
Page 12 of 31

Loyalty Programs
Employees may participate in rental car programs at their own expense and
keep the rewards, but these programs should not influence car rental
company selection if it results in increased costs to Encore.
Navigation
Navigation equipment is reimbursable if needed.
Delivery Fees
Delivery fees are not reimbursable.
Refueling
The employee should not pre-pay for gas, and should refuel the car before
returning it to avoid costly charges.
Car Insurance
U.S. Rentals
Encores auto policy provides coverage for employees from all countries
when renting a vehicle for company business in the U.S. Additional coverage
is not reimbursable.
U.S. Employees only: Encore hired auto liability coverage provides coverage
for the employee for liability exposure (up to policy limits) for third-party bodily
injury and/or property damage claims. Encore will not reimburse the cost of
insurance options for domestic driving. Therefore, employees should decline
or be prepared to pay these costs. This includes insurance coverage of the
collision deductible and personal accident options. Secondary coverage is
provided by the corporate issued credit card (which should be used, when
possible), and by a separate automobile policy held by Encore, and/or
through workers compensation.
Non-U.S. Rentals
All employees should purchase the liability and physical damage coverage
offered by the rental car company when renting a vehicle in any country other
than the U.S. This expense is reimbursable.
Accidents
If an employee is involved in an accident, the employee should notify
appropriate parties, according to the table below. When discussing the
accident, the employee should stick with factual information, rather than
discussing fault. If possible, the employee should also take photos at the
scene to assist with the facts of the case. None of these activities should
take priority over seeking immediate medical attention, if needed.
In Costa Rica, the vehicle cannot be moved to the side of the road. It must
remain exactly at the place of the accident until the Local Police, Rental Car
Agency, and Insurance Company arrive and the police authorize movement
of the vehicle.
Accident Reporting by Party
Party
Reporting Procedures
Local Police
Obtain a copy of the police report. If there is no police
report, note as much of the following as possible:
Internal Use Only
Page 13 of 31
Party
Rental Car
Agency
Department
Management
Employees
Personal Auto
Insurance Policy
Holder
Credit Card
Company
Human
Resources
3.6.4
Reporting Procedures
Name, badge number, and department of the
investigating police officer;
Time and location of the accident, estimated
speed of the vehicle(s), visibility, and traffic/road
and weather conditions;
Other drivers name, address, phone number,
drivers and car license numbers, registration,
and insurance information;
Name(s) and contact information of witness(es);
and
Description of damage to car and property and
extent of injuries, if any.
Submit a completed rental car accident form (usually
located in the glove box of the rental car), even if the
damage is not visible. Failure to fully complete the
accident form voids the loss damage waiver and other
protections.
Notify Department Management that an accident
occurred and which reports have been filed.
This will serve as the employees primary insurance.
Encores policy will only address claims that exceed
the employees policy.
This applies to the credit card used to make/pay for
the reservation. The corporate issued credit card
does include coverage, as may the employees
personal credit card company.
Injuries may further be covered by Encores workers
compensation plan.
Taxis, Shuttles, and Car Service

Taxis, shuttles, and associated tipping are reimbursable. Car service and
associated tipping are reimbursable for international travel to India, Costa
Rica, Peru, and Colombia, only, unless with approval from a department
head. Refer to Tipping section for guidelines by country.
Travel Tips
Internal Use Only
India and Costa Rica: Taxis or car service will be provided to

travelers for commuting, locally. Such arrangements should be made
by the Host Countrys travel coordinator.
Peru: Drivers do not expect tips; rates are negotiated ahead of time.
Colombia: Employees are strongly discouraged from traveling by

road between major cities using inter- or intra-city bus transportation
and traveling by road outside of urban areas at night.
Page 14 of 31

3.6.5
Public Transportation
Public transportation is reimbursable, including buses, trolleys, subways,
trains, and ferries.
For domestic rail travel within India, employees can travel by AC II Rail or AC
Chair Car. See India flight eligibility requirements in the Air Travel section.
3.6.6
Parking and Tolls

Parking and tolls are reimbursable. If traveling in an unfamiliar area, the
employee should have cash on hand for tolls.
Airport Parking
Airport parking facilities are to be utilized only if they provide the most costeffective method of transportation to the airport. Otherwise, a shuttle or taxi
should be used for transportation to and from the airport. Short-term parking
is permitted for trips <36 hours. Long-term parking should be used for trips
>36 hours.
Non-airport Parking
Meter and other necessary parking fees are reimbursable. Employees
should obtain receipts, where available. Fines, tickets, or other expenses
incurred as a result of not paying for parking or parking in an unpermitted
location are not reimbursable.
3.6.7
Reimbursement Documentation Requirements

Keep receipts for all expenses. Claims for >100 miles (or equivalent) should
be supported with a Google map (or similar).
Refer to Incidentals section regarding expenses under $25.00 or expenses
for which a receipt cannot be obtained (e.g., tipping or parking meters).
3.7
Hotel
3.7.1
Preferred Hotels
Travel in the U.S.
Hotel accommodations with preferred providers are available through the
companys Travel Management Company and are loaded into Concur.
Travel to India
Encore owns a guest house in Gurgaon; arrangements may be made to stay
there by the India Executive Assistants as an alternate to a hotel if the
employee chooses.
3.7.2
Staying with Family or Friends

An employee may choose to stay with family or friends in a destination city
rather than a hotel. In lieu of a hotel expense, the employee may expense up
to $75 per day to take the host out for a meal.
3.7.3
Room Class and Upgrades

Employees should book standard rooms; upgrades are not reimbursable.
Internal Use Only
Page 15 of 31

3.7.4
Loyalty Programs
Employees are eligible to participate in loyalty programs at their own expense
and keep frequent user rewards. However, an employees participation with
a certain provider should not influence hotel selection if it results in increased
costs to Encore.
3.7.5
Cancellations
It is the responsibility of the employee to contact the hotel (or
individual/service that made the reservation) to make changes or
cancellations prior to the scheduled check-in.
3.7.6
Additional Hotel Charges

The following are examples of reimbursable expenses:
Hotel parking
Internet access
Fitness facility
Room service meals
Laundry services (see Laundry section)
Bottled water
Charges of this nature are not reimbursable:
3.8
In-room mini-bar (other than snacks and bottled water)

In-room movies/entertainment
Tipping
Customary tipping is reimbursable. Refer to the table below for country custom and
maximum reimbursable amounts. These guidelines apply to the country in which the
expense occurs.
Customary Tipping Guide by Country
Country
Meals
C.R.
10% if no service charge

If service charge is
included, a tip of <10% is
typical for groups of 6+
Colombia Casual: $1 is typical
India
Internal Use Only
Taxi/Shuttle
Porter*
10%-15% of fare
$1-$2/bag
None*
$1-$2/bag
Finer: 10%-15% if no
service charge (propina)
*Employee may
choose to tip a
driver whose
services have been
used several times
10% if no service charge
Round up, up to
15% of fare
$1/bag
Page 16 of 31
Country
Meals
Taxi/Shuttle
Porter*
Peru
Service charge is typically

included. A few Soles (up
to 10% of fare) for good
service is appreciated.
None
$1-$2/bag
U.K.
Not expected or customary
10%-15% of fare
2-3
U.S.
15%-25% of bill before

taxes for fair to excellent
service
10%-15% of fare
$1-$2/bag
*Use only if an employee is unable to personally manage his/her baggage.
3.9
Mobile Phones
Employees are responsible for appropriate mobile phone set-up and use. Mobile
device expenses may be reimbursable. See the Mobile Device Policy for information
regarding company provided phones and Wi-Fi cards as well as security
requirements.
Domestic Use
There are three options that the employee should discuss with his/her manager
(Director or above) prior to incurring expenses:
Mobile Phone Options
Options
3.10
Usage
Request/Approval
Company Device
Regular
business use
See Encores Mobile Device

Policy
Monthly Reimbursement
U.S.: USD $25/month
India: USD $20/week
Costa Rica: n/a
Regular
business use of
personal cell
Obtain verbal Director+ approval

in advance
Individual Use
Reimbursement
Infrequent
business use of
personal cell
Obtain verbal Director+ approval

in advance
Incidental Expenses (No Receipt)

Expenses <$25.00, where the employee does not provide a receipt, will be treated as
incidental expenses (e.g., small meals, tips, parking meters). The employee can
submit these by listing the expenses on the expense reimbursement form.
Missing receipts for expenses >$25.00 can be substituted (see the Reimbursement
section for more information).
3.11
Laundry
Necessary and reasonable pressing and laundry services are reimbursable for
employees traveling on business for greater than five (5) days.
Internal Use Only
Page 17 of 31
3.12
Business Services
Necessary business services while on travel are reimbursable, including:
3.13
Printing and copies

Faxes
Shipping
Internet access
Meals and Entertainment

Encore will reimburse employees for a reasonable and customary cost of meals.
Employees should seek guidance from their manager on this matter, as needed.
When employees are billed as a group, rather than individuals, the most senior
employee in attendance must always pay the bill and submit attendees names with
the reimbursement request.
3.13.1 Travel meals
An average spend of $80 USD per day is the guideline for travel meals over
the duration of the trip.
A travel meal is defined as a meal occurring while traveling on business,
alone or with other Encore employees who are also traveling on business.
Encore will reimburse the employees meal, only. Meals for spouses or
companions while traveling are not reimbursable, unless the spouse or
companion is an Encore employee traveling on business.
Encore will also reimburse day trip meals. The total duration of the trip must
exceed regular business hours in order for meals other than lunch to be
reimbursed.
3.13.2 Employee Relations Meal
An Employee Relations Meal is an employee group meal taking place in the
employees home city for the purpose of a meeting, recognition, or other
appropriate business. Employee Relations meals require advanced approval
of department management.
3.13.3 Interview Meals
An Interview Meal is a meal with a candidate applying for an open position
with Encore. When submitting a reimbursement request, this expense should
be categorized as Recruiting.
3.13.4 Entertainment Meals
An Entertainment Meal is a group meal with a third party. IRS policy states,
Entertainment meals must directly precede or follow substantial and bona
fide business discussion for the purpose of obtaining income or other specific
trade or business benefit.
Approval and expense guidelines for Entertainment Meals should be obtained
from the employees VP+ prior to the meal.
Internal Use Only
Page 18 of 31

3.13.5 Documentation Requirements
All meal reimbursement requests >$25.00 must be accompanied by a credit
card receipt or itemized cash register receipt (the latter is required for C.R.)
and submitted on an expense report with:
3.14
Date and name of dining establishment

Names of attendees and business relationships (including company
name)
Business purpose
International Travel
This section provides information unique to international travel. Refer to the
remainder of the document for topics not fully covered in this section.
3.14.1 Preparation
Travel Orientation
The employee can schedule a meeting with the Global Mobility team to
review immigration requirements and other travel information.
Immigration Requirements
Employees are required to work with the Global Mobility team to gather
information on immigration requirements for the country of travel.
Passport: Passports should be in good condition (no damage) and valid for
at least six (6) months from the travel start date. Costs associated with
obtaining a valid passport are reimbursable.
Visa: Encore will assist employees in obtaining necessary visas. Costs
associated with obtaining visas are reimbursable.
Travel Insurance
All Employees traveling internationally from their home country: Employee
can print out and carry with him/her a Medical Benefits Abroad (MBA) card
which can be found here. The MBA card provides medical insurance for
all Encore employees for emergency care.
For employees traveling longer than six (6) months internationally (Longterm assignment): Please refer to the Global Mobility team for insurance
needs.
Travel Funds: Refer to Payment Methods.
Health & Safety
Immunizations: Encore encourages employees to ensure that they are
medically fit for business travel in the Host Country by speaking with a
physician ahead of time about recommended precautions and immunizations.
Some countries require foreign visitors to carry an International Certificate of
Vaccination (Yellow Card), even if only transferring flights in those
countries. When applying for a visa to a specific country, that country will
indicate which immunizations (if any) are required. Doctor appointments
should be set as early as possible, as some immunizations need to be taken
in advance of travel.
Internal Use Only
Page 19 of 31

Immunizations that are obtained for the purpose of business travel, and are
not covered by the employees medical insurance, are reimbursable.
Medications and Prescriptions: The employee should pack enough
prescription medication (if applicable) to last the length of the trip, plus extra
in case of an unexpected delay. Medications should be carried in their
original labeled containers, and packed in a carry-on bag. A letter from the
employees physician, explaining the need for the medication, can also be
helpful if the employee is questioned.
Insurance: Encore is committed to the employees health, well-being, and
protection against unforeseen risks which the employee may be exposed to
during travel. Encore covers all business travelers under a Medical, Life &
Travel Insurance.
Stopover
In the case of a connecting flight where the time between connections is
more than 12 hours, employees may stay over in the connecting city and be
reimbursed for appropriate hotel, food, and transportation expenses.
Workspace and Equipment
The employee should work with the Host Country Manager and the
ServiceNow desk to ensure access to the necessary workspace and
equipment in the Host office, including:
Extended laptop battery if needed for long airplane trips

VPN service check
International electrical AC adaptors
International help desk calling numbers for support if needed
Employees should contact their cell phone provider prior to travel to activate
international roaming and to ask how to place international calls while abroad.
See Cell Phone section regarding cell phone reimbursement options.
3.14.2 In-country
Personal Safety and Security
Encore will not authorize travel to areas that are restricted or inadvisable due
to political or economic disturbances. Even in countries for which no travel
advisory has been issued, employees should have a heightened level of
safety sense and awareness. If emergencies arise, or employees feel that
their safety may be threatened, seek immediate assistance from local
services or authorities (e.g., consulates, police stations).
Office Security
Employees should familiarize themselves with the office security procedures
of the Host Country and must take their Company ID badge with them. This
information can be discussed with the Host Country Manager.
Domestic Transportation
Employees are encouraged to use the most economical mode of transport for
airport transfers and local travel (see Ground Transportation section for
additional reimbursement information). While cost containment must be a
primary concern, lack of familiarity or security concerns at the destination
may influence a transportation decision. All travelers should seek guidance
Internal Use Only
Page 20 of 31

from the Host Country Manager or Host Country executive assistant
regarding safe ground transportation.
All riders should conduct a walk around inspection to observe the condition
of the vehicle (e.g., tires, general repair) and the driver. If either the vehicle
or the driver appears to be unfit, the traveler should obtain other service. Not
all taxis are equipped with rear-seat passenger seat belts. Employees should
choose seats with belts, if possible (front seat or back seat).
Lost or Stolen Passport
Prior to traveling, it is recommended to make sure that a copy of the passport
identification page is available in the event that it is lost or stolen. The
employee can carry a copy (separate from his or her passport) and/or scan a
copy to his or her e-mail account. Copies of other photo identification and
proof of citizenship will speed up the replacement process.
In the event of a lost or stolen passport, employees should contact the
nearest police authority, embassy, or consulate.
Vacations and Holidays
While on business travel, employees should follow the holiday schedule of
their home country. If there is a local holiday, the employee should plan to
work remotely or take Paid Time Off. If there is a home country holiday while
on business travel, the employee should take the holiday off and plan
accordingly with the Host Country.
3.15
Gift Giving
Encore recognizes that the practice of exchanging small gifts or business
entertainment (e.g., meals, tickets to the theater or a sporting event) can play an
important role in strengthening relationships between business associates and
recognizing achievements. Encore permits and reimburses for these types of
exchanges for legitimate business purposes.
3.15.1 Gifts and Entertainment - Standards
In addition to complying with guidelines outlined in this document, employees
are expected to exercise good judgment and should talk to their supervisor
when in doubt as to whether an event, location, or expenditure is appropriate.
Also see Anti-corruption Policy and Standards of Business Conduct.
A gift or entertainment offer may be appropriate if it:
Complies with limits established by local management

Is reasonable and appropriate in the context of the business
relationship or occasion (e.g., accompanying a customer or supplier to
a local theatre/sporting event or attending a business meal)
Would not be considered inappropriate or unprofessional.
Would not embarrass Encore or the gift giver if disclosed publicly
Is not excessive or frequent
3.15.2 Company Gifts to Employees - Approval and Reimbursement

All gifts given to an employee must have prior approval of the department
head. When requesting reimbursement, submit:
Internal Use Only
Page 21 of 31
Evidence of notification to payroll

Name of recipient and business relationship
Business purpose
U.S. Only
Cash equivalent gifts (i.e., gift cards, gift certificates) given to an employee
must be reported to Payroll, regardless of the dollar amount. Items over U.S.
$25.00 will be reported by Payroll as ordinary income for income tax
purposes.
3.15.3 Giving To Third Parties
All gifts and entertainment offers to a third party must have prior approval of
the department head. Expense limits:
Value is < US$100 per individual recipient

o
Gifts exceeding this value require approval by the givers firstand second-level reporting managers
U.S. Only: Preference should be given to merchandise of a

promotional nature, such as the items listed on the Encore
Company Store Web site
Value is < US$5000 per third-party organization

o
3.16
Gifts exceeding this value require approval by VP or higher.
Other Expenses
3.16.1 Employee Relations and Team Building Events
Employee relations and team building expenses are reimbursable, and are
subject to the Gifts and Entertainment - Standards.
3.16.2 Conferences, Seminars, and External Training
Conferences, seminars, and external training are budgeted annually for
employees. Employees should obtain verbal approval from their manager in
advance.
U.S. Only: Employees should plan payment in advance via check request
submitted to Accounts Payable instead of paying directly and seeking
reimbursement. Employees should only pay directly for these expenses
where payment must be immediate or requires a credit card.
3.16.3 Individual Membership Dues
Encore recognizes the importance of membership in professional
organizations; and in some cases, membership may be necessary for
attendance to required conferences. Employees should only pay for
memberships directly where payment must be made by credit card. Such
memberships are reimbursable and should be verbally approved by the
employees manager in advance.
Internal Use Only
Page 22 of 31

3.16.4 Subscriptions and Services
On occasion, a department or project may have a business need for a
subscription or service (e.g., on-line survey tool, access to on-line
data/information portal) that must be purchased by an individual, using a
credit card. These expenses are reimbursable and should be verbally
approved by the employees manager in advance.
3.16.5 Supplies
In general office and other business supplies should be ordered through the
established procurement process. If, however, an employee needs to order
or purchase supplies directly (e.g., unique items, short notice), the items are
reimbursable. Employees should consult with their manager prior to placing
an order outside of the established process. Please see Procurement of
Goods and Services Policy for more information.
3.16.6 Expenses Not Addressed in this Policy
Expenses that are not specifically addressed in this policy and are deemed
out of the ordinary, yet still business related require written pre-approval
before the expense is incurred. Documentation (such as an e-mail) of the
pre-approval must be submitted with the employees expense report.
Approval requirements for this type of expense are shown in the table below:
Employee Incurring Expense
Required Approver
Up to VP
SVP+
SVP and EVP
CEO
CEO
EVP
A list of examples of non-reimbursable expenses are listed in Appendix A;

however, this list does not encompass all expenses that may be deemed
non-reimbursable.
3.17
Expense Reporting and Reimbursement

3.17.1 Overview
Employees are expected to submit expense reports in a timely manner, using
an electronic expense report form. Each countrys designated Finance
resource reviews reports for completeness and accuracy prior to forwarding
to the employees manager for approval. Once approved, reimbursement (if
applicable) is issued directly to the employee, either by check or electronic
deposit.
3.17.2 Timing
Timing of Submission
Business expenses should be submitted as they are incurred:
Internal Use Only
Employees should not wait for a credit card bill to report expenses
Page 23 of 31
Travel expenses should be reported at the end of each trip (airfare

should be submitted at time of purchase, not after travel)
Expenses over 90 days will not be reimbursed without the express
approval of the employees department VP+.
India Employees Only: Failure to submit a report for use of advanced funds
within the stipulated time may lead to deduction of salary, unless the delay is
properly explained by the employee and authorized by the department head.
Reimbursement
The employee should receive an e-mail confirmation that the report has been
successfully submitted (U.S. and C.R.) and another to confirm that a
reimbursement has been issued. Approved reimbursements are issued at
the next scheduled check run, which occurs twice weekly.
Employees who have questions about the status of a reimbursement, or will
no longer be employed by Encore and have an outstanding reimbursement,
should contact Accounts Payable (U.S. and C.R.) or Payroll (India) to confirm
payment arrangements.
3.17.3 Electronic Expense Report Forms
U.S. and C.R.
Access
MyEncore home page link: Expense Report Form
Instructions
Documented within the form
Submitting
Use the Submit button on the electronic form
Documents
Use the attachment function on the form
Missing Document
MyEncore / Quick Links / Forms and Template /

Finance / Substitute Receipt Form
India
Access
Obtain from Payroll
Instructions
Complete all fields; e-mail to payroll-india@mcmcg.com,

copy Saroj.KumarDalai@MCMCG.COM
Submitting
Submit hard copies with Travel Claim Format 1
Documents
Included within Travel Claim Format 1
Missing
Document
Included within Travel Claim Format 1
3.17.4 Documentation
The report must be submitted with all required support documents to be
processed. All expenses >$25 are to be supported by a credit card or
itemized receipt or, if missing, bank or service provider statements, or other
evidence, as appropriate. Mileage >100 is to be supported by a Google map
(or similar). The employee will be notified of insufficient documentation.
Internal Use Only
Page 24 of 31

India Only: Employees must also submit air tickets/e-tickets and boarding
passes.
Currency Conversion: Expense reports should always be issued in the home
country currency. Conversion calculations should be included on receipts.
3.17.5 Method of Reimbursement
U.S. Only: Reimbursements are paid via paper check, unless the employee
has elected to receive electronic payments. For electronic reimbursement,
the employee needs to submit a completed A/P Electronic Payment Form to
accounts.payable@mcmcg.com. The form is located on the Intranet under
Quick Links, Forms and Template, Finance.
C.R. Only: Reimbursements are paid electronically, only. For electronic
reimbursement, the employee needs to submit a completed A/P Electronic
Payment Form to accounts.payable@mcmcg.com. The form is located on
the Intranet under Quick Links, Forms and Template, Finance.
India Only: Reimbursements are deposited directly into the employees bank
account.
3.17.6 Right to Audit
On a periodic basis, Internal Audit will review approved employee expense
reports to ensure compliance to this policy. Violations will be addressed with
the employee, his/her manager, and the department SVP+ as necessary.
Internal Audit will share the results of the audit with the Audit Committee.
4 ROLES & RESPONSIBILITIES

Role
Responsibilities
Executive Assistants
Assists with travel and document needs
Finance/Payroll/Accounts
Payable
Ensures that reimbursements are done within the limits

prescribed in this policy
Verifies documents submitted by the employee
Ensures that reimbursement requests are processed in a
timely manner
Global Mobility Team
Assists employees with international travel approval and

preparation
5 GLOSSARY
Term
Definition
Host Country Manager
A management-level contact in the Host Country that serves

as the point person for the visiting employee.
Internal Use Only
Page 25 of 31
6 RELATED POLICIES, PROCEDURES, OR OTHER REFERENCES

Reference
Link/Location
Anti-corruption Policy
MyEncore / Policies and Procedures / Policies / Legal
Cigna Medical Benefits

Abroad (MBA) Employee
Card
MyEncore / Policies and Procedures / Guide / Human

Resources
Concur Travel Traveler

Frequently Asked
Questions (FAQs)
MyEncore / Policies and Procedures / Guideline / Finance
Encore Midland Credit

Management Advisor
Communication
(American Express
Travel Representative
Quick Reference Guide)
MyEncore / Policies and Procedures / Guide / Finance
Mobile Device Policy
MyEncore / Policies and Procedures / Policies / Information

Technology
Payment Approval Policy

U.S. and Costa Rica
MyEncore / Policies and Procedures / Policies / Finance
Procurement of Goods
and Services Policy
MyEncore / Policies and Procedures / Policies / Information

Technology
Standards of Business
Conduct
MyEncore / Policies and Procedures / Policies / Legal
Travel Aut Form (India)
MyEncore / Quick Links / Forms and Template / Finance /

Travel Aut Form
7 REVISION LOG
Rev
0.1
Description of Changes
New (Encore Expense
Policy)
0.1
New (Encore Travel

Policy)
0.1
Midland Credit
Management India
Procedure for International
Travel Policy
Asset Acceptance Capital
Corp. Travel &
Entertainment Policy
0.1
Internal Use Only
Changed By
Glen Freter, V.P.,
Controller,
Accounting
Glen Freter, V.P.,
Controller,
Accounting
Rajiv Sharma
Approved By
Paul Grinberg,
E.V.P., Chief
Financial Officer
Paul Grinberg,
E.V.P., Chief
Financial Officer
Asset Acceptance
Capital Corp.
Accounting
Reid Simpson
Date
05/08/2007
05/09/2007
10/01/2008
08/01/2012
Page 26 of 31

0.2
0.3
0.4
Expansion (combined the

Encore Expense Policy,
Encore Travel Policy,
Midland Credit
Management India
Procedure for International
Travel Policy, and the
Asset Acceptance Capital
Corp. Travel &
Entertainment Policy) to a
global policy and renamed
it to Global Business
Travel and Expense
Policy; revisions to policy.
Annual review, no
revisions to document at
this time
Mandate use of Travel
Management Company for
all travel bookings,
updated per day for meals
to $80 per day, changed
approved flight class by
title, added Section 3.3.1
Family Emergency, added
30/14 day advanced
purchase requirement for
airfare, Policy Owner
changed, Approved By
changed, and clarifications
made throughout
Internal Use Only
Dan Fries, Director,

Accounting
Glen Freter, V.P.,

Chief Accounting
Officer
09/26/2014
Dan Fries, Director,

Accounting
Glen Freter, V.P.,

Chief Accounting
Officer
Carl Eberling,
SVP, Chief
Information
Officer,
Information
Technology
11/30/2015
Greg Schilder, Sr.

Manager,
Procurement,
Information
Technology
06/27/2016
Page 27 of 31
8 APPENDIX A NON-REIMBURSABLE EXPENSES

The list below shows examples of non-reimbursable expenses, however this list does not
encompass all expenses that may be deemed non-reimbursable. Questions regarding
whether an expense is reimbursable should be directed to your manager before they are
incurred as pre-approval may be required. See section 3.16.6 for more information.
Personal grooming and massage
Country club dues
Hotel mini-bar (other than snacks

and bottled water)
Expenses for non-business

companions/travel members
Expenses for non-business travel

companions
Golf fees (when not part of customer

entertainment or employee event)
Gum, candy, tobacco products
In-flight and in-room entertainment
Helicopter services for airport

transfers
Luggage and briefcases
Souvenirs and personal gifts
Laundry/valet services (except as

defined in this Global Business
Travel and Expense Policy)
Personal postage, postcards,

telegrams, courier
Books and newspapers
Shoeshine
Upgrades on air travel, hotels, rental

cars
No show charges for hotel or car

service, except for legitimate
business reasons
Optional travel, baggage, or rental

car insurance
Parking tickets, traffic tickets, or

towing
Personal entertainment, including

sports events
Toiletries or medicine
Child, pet, or dependent care

(unless approved in advance by VP)
Loss/theft of personal property

(limited coverage may be available
through airline, credit card, or home
insurance)
Fees/charges for late or nonpayment on a personal or corporate
credit card
Car washes
Clothing (e.g., socks, pantyhose)
Internal Use Only
Page 28 of 31
9 APPENDIX B CONTACTS AND RESOURCES

Contact Information
Subject
Arranging Travel
Contact Information
Travel Contacts:
U.S. and C.R. Employees: AMEX Travel via Concur
portal accessible though OKTA (includes preferred
hotel/rental car companies)
India Employees: Charu Verma
Charu.verma@mcmcg.com or
Puneet.nayyar@mcmcg.com
Corporate Charge Card

(U.S. and C.R.
Employees)
Travelers to C.R.: Use Concur, or for additional

assistance contact your local host.
E-mail: accounts.payable@mcmcg.com
Global Mobility Team
E-mail: immigration@encorecapital.com
Immigration
E-mail: immigration@encorecapital.com
Lost Documents
(International Travel)
Embassy Directories:
U.S. Employees: http://www.usembassy.gov/
India Employees:
http://www.immihelp.com/directory/indianconsulates.html
C.R. Employees: http://costarica.visahq.com/embassy/united-states/
Medical Assistance
All Employees: Also contact the Global Mobility Team

Reference Cigna Medical Benefits Abroad (MBA) Employee
Card, see Appendix B: Medical Care by Country of Travel
Reimbursement
U.S. and C.R. Employees: accounts.payable@mcmcg.com
Tax (India only)
India Employees: payroll-india@mcmcg.com

saurabh.kalra@mcmcg.com
aerik.sharma@mcmcg.com
Technical and
Equipment Assistance
Internal Use Only
Access the ServiceNow portal through the ServiceNow or

OKTA Quick Link on the MyEncore home page
Email: service.desk@encorecapital.com
Global Telephone Number: 1-866-462-6411
Local C.R.: x58309
Local India: x52111
Page 29 of 31
Subject
Contact Information
Travel Advance and

Foreign Exchange
(India Only)
Finance: payroll-india@mcmcg.com, copy Saroj Dalai at

sarojkumar.dalai@mcmcg.com
Medical Care by Country of Travel

Country
Situation
Resource
Colombia
Emergency
Call/Dial 9-1-1 for English speaking
Medical Care
Private health in Colombia is excellent. Major clinics:

Clnica del Country tel. (+571) 5301270
Cra 16 A # 82-74
www.clinicadelcountry.co
Clnica Santaf tel. (+571) 6030303
Calle 116 # 9-02
www.fsf.org.co
Clnica de la Mujer tel. (+571) 6161799
Carrera 19 C # 91-17
www.clinicadelamujer.com.co
Clnica de Marly tel. (+571) 3436600
Calle 59 # 9-67
www.marly.com.co
Clnica Barraquer (Ojos) tel. (+571) 6449555
Av 100 # 18 A -51
www.barraquer.com.co
Clnica Shaio tel. (+571) 6243211
Diagonal 110 # 53-67
www.shaio.org
C.R.
Emergency
Medical Care
Internal Use Only
Call/Dial 9-1-1 for English speaking
Onsite doctor (e-mail: company.doctor@mcmcg.com

or schedule an appointment via Outlook)
Emergency brigade (employees identifiable by either

orange or yellow vests on the back of their chairs)
Onsite doctor and emergency brigade
Top private hospitals in San Jose:
Page 30 of 31
Country
Situation
Resource
Clinica Biblica tel: (+506) 2257-5252
Hospital Cima tel: (+506) 2208-1000
Clinica Catolica tel: (+506) 2283-6616

India
Peru
Emergency
Call/Dial 1-0-0
Medical Care
International employees: use most convenient available

medical facility
Emergency
Call/Dial 1-1-7
Medical Care
Hospitals:
Clinica Anglo Americana tel: (+511) 616-8900
Alfredo Salizar 350, San Isidro, Lima
www.angloamerica.com.pe
Clinica San Pablo tel: (+511) 610-3222
Av. El Polo 789, Santiago de Surco, Lima
www.sanpablo.com.pe
Clinica San Felipe tel: (+511) 219-5000
Av. Gregorio Escobedo 650, Jesus Maria, Lima
www.clinicasanfelipe.com
U.K.
Emergency
Call/Dial 9-9-9
Medical Care
Maidstone Hospital tel: (+44) 1622 729000

Hermitage Lane, Maidstone, Kent ME 16 9QQ
Somerfield Hospital tel: (+44) 1622 208000
63-77 London Road, Maidstone, Kent ME 16 0DU
U.S.
Internal Use Only
Emergency
Call/Dial 9-1-1
Medical Care
International employees: use most convenient available

medical facility
Domestic employees: confirm insurance coverage prior
to visit, if possible
Page 31 of 31

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