| Ethical servicing |
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publity AG has committed itself to the quality standards of the Bundesvereinigung für Kreditankauf und Servicing e.V. (Federal Association for Credit Purchasing and Servicing) with regard to servicing NPLs. publity AG follows the Association's Code of Conduct. Furthermore, publity AG always deals with debtors and anyone jointly liable according to ethical and moral principles aligned with the publity principle of fairness: Those who have a lot should pay a lot – those with little should pay little. Composition proceedings are always conducted in accordance with the economic and financial circumstances of the debtor. We waive all collection costs as well as processing, dunning and legal fees. 95 % of revenues result from voluntary payments. This allows debtors to become customers once more, preserving the reputation of the original claim owner. |

