We want to help our customers be better with credit so that they can enjoy the benefits it provides including financial flexibility and convenience. Our priority is to ensure that our products and services meet our customersÕ needs. Customers are at the heart of our Manifesto and our Manifesto is at the heart of our business strategy. ItÕs as simple as that. NewDay Manifesto We will help our customers be better with credit, providing products that responsibly meet their needs. Whether this is offering new ways of accessing credit with a leading retailer or providing tools to facilitate customersÕ management of their accounts, we will continuously strive to help customers responsibly make the most of their credit. We offer an alternative approach to financial services that is in touch with people and their lives. It is an approach grounded in customer knowledge and differentiated by our passion to deliver the products, services, tools and expertise that best meet our customersÕ needs. Our objective is simple, we want to help our customers be better with credit Ð so they can access the benefits it provides. ItÕs about putting them in control so that they can make the most of their credit. Consequently, we offer Co-brand products that are integral to customersÕ shopping experiences, strengthening their relationships with our partners by making customers feel recognised and rewarded for their loyalty. Our credit building products support customersÕ needs to establish or improve their credit records, providing them with access to the flexibility and benefits that credit provides. Underpinning our approach are four core principles for our business. These principles help cement our relationships with our customers, ensuring that they are enduring and rewarding We have over 5.8million customers and receivables of over £2 billion, we provide credit for customers in 2 key sectors; near prime through our Own Brands Business (Aqua, Marbles and Opus) and Co-brand through our Co-brands business. Following an acquisition by Cinven and CVC in January 2017 we are transforming our ways of working; we are investing heavily in our digital transformation as well as data science and analytical capabilities.