Quarter of Adults Affected by Card Fraud

YORK, England, January 19, 2011 - Card fraud has now affected a total of 13 million people in the UK
according to new research (1).

The annual Card Fraud Index released today from life
assistance company CPP (www.cpp.co.uk/) has named Brighton as the card
fraud capital of the country. With the south coast city jumping from tenth
place in the number of people falling victim at least once to card fraud.

The top five card fraud hotspots in the UK are Brighton (38
per cent), London (34 per cent), Manchester (33 per cent), Bristol and Leeds
at joint fourth place (32 per cent) and Edinburgh (31 per cent) (2).

But there is some good news. 2010 saw a three per cent
reduction in the number of card fraud incidences (3) with seven per cent of
people saying they had suffered from card fraud in the last 12 months
compared to 10 per cent in 2009. However, card fraud is still a problem and
people need to remain vigilant and take responsibility when using their
cards.

The Card Fraud Index (www.cpp.co.uk/) also reveals the
methods criminals are using, with most victims (20 per cent) having the
magnetic stripe on their card cloned at an ATM or via a Chip and PIN machine.
This is a three per cent increase on 2009. One in five victims have been
defrauded online with criminals using the internet to obtain card details.

Alarmingly a third of card fraud victims (33 per cent) don't
even know how they became a financial victim, with a third hearing directly
from their bank (34 per cent) and six per cent being refused money at an ATM.
A further six per cent found out when their card was refused at point of
sale.

Victims of card fraud reported the average amount stolen was
GBP417 with one in 20 (four per cent) reporting losses of more than GBP2,000.

Although card fraud has decreased year-on-year, consumers are
still practicing behaviour that could put them at risk. 18 per cent don't
check ATMs to see if they have been tampered with, 17 per cent don't shield
their PIN numbers at cash points and most worryingly 16 per cent admit to
letting their cards out of sight in shops and restaurants. Moreover,
consumers take an average of more than eight hours to report their cards lost
or stolen, giving ample time for fraudulent use.

Sarah Blaney, card fraud expert at CPP (www.cpp.co.uk/), said: "In
2010 we saw a three per cent decrease in card fraud incidents in the UK (3)
compared to the previous year. This in itself is good news and shows how
progress is being made to reduce the number of victims. In particular, online
fraud has decreased, which could be a result of industry initiatives such as
Verified by Visa and MasterCard SecureCode.

"We are also continuing to see consumers protecting themselves with
preventative measures such as Card Protection policies that immediately
cancels lost and stolen cards. However, with card fraud costing the UK GBP440
million a year (4), consumers still need to remain vigilant and not let their
guard down. We want to see the continued decrease in card fraud and hope that
consumers will take responsibility alongside industry initiatives."

Dr Bernard Herdan, CEO, National Fraud Authority, said: "The ongoing
decrease in card fraud is a very positive sign that industry safety measures
and consumers ability to self-protect are improving. However, it is important
to remind consumers not to become complacent about taking precautions when
using credit and debit cards. Visit www.actionfraud.org.uk regularly
to keep up-to-date with the latest fraud prevention advice (5)."

For more information, please visit www.cpp.co.uk or
blog.cpp.co.uk/

Worst cities for card fraud:

    City      Percentage of people affected by card fraud at least once
    Key       (1) = position in fraud rankings

                          2010        2009        2008      2007

    Brighton              38  (1)     23 (10)     27  (5)   12
    London                34  (2)     35  (2)     38  (1)   28  (1)
    Manchester            33  (3)     21          29  (4)   22  (4)
    Leeds                 32  (4)     27  (5)     19        19  (8)
    Bristol               32  (4)     20          18        22  (3)
    Edinburgh             31  (5)     24  (9)     23  (9)   18 (10)
    Southampton           29  (6)     28  (4)     24  (7)   14
    Norwich               28  (7)     30  (3)     25  (6)   19  (9)
    Birmingham            27  (8)     23          23  (8)   25  (2)
    Liverpool             25  (9)     15          19        14
    Plymouth              24 (10)     24  (7)     22 (10)   16
    Glasgow               24 (10)     24  (8)     31  (3)   20  (6)
    Cardiff               20          37  (1)     34  (2)   20  (5)
    Newcastle             20          25  (6)     16         9
    Nottingham            20          23 (10)     12        19  (7)
    Sheffield             18          17          14        18

Top tips from CPP to help avoid being a victim of card fraud

1) Don't carry multiple debit/credit cards in a wallet - only
carry the essential cards you need

2) Don't leave belongings unattended while shopping

3) Don't carry debit/credit cards loose in a bag or pocket

4) If your cards are registered with a Card Protection company
make sure you have their emergency loss reporting number

5) Don't ever write down your PIN number

6) Don't let a shop assistant take your debit/credit card out
of sight - they could be copied or cloned

7) Don't let someone else take money out on your behalf

Check your receipts against your statements when you get
home

9) If you are concerned your cards may have been lost or stolen, contact
your bank immediately to get the card cancelled

10) Make sure your bank has up-to-date contact details for
you, including your mobile phone number in case they need to check if
transactions are genuine

Notes to Editor

(1) The UK adult population according to ONS is 49,051,000. 28 per cent
of adults have been affected by card fraud in their lifetimes. 28 per cent of
49, 051,000 = 13,734,280

(2) Figures include all of those that have been affected by card fraud at
least once

(3) The Card Fraud Index in 2010 revealed that 10 per cent of people had
been affected by card fraud in 2009. This year the results show that 7 per
cent of people have been affected by 2010 a 3 per cent decrease.

(4) In 2009, The UK Cards Association reported total card fraud losses
decreased by 28 per cent to GBP440.3 million.

(5) The National Fraud Authority (NFA) runs Action Fraud, the UK's first
national fraud reporting centre that provides a single point of contact for
fraud victims where they can both report a fraud and seek guidance and
advice.

Research Methodology

Research was carried out online by Research Now among 2,009 people on
16th December 2010.

About CPP

The CPPGroup Plc (CPP) is an international marketing services business
offering bespoke customer management solutions to multi-sector business
partners designed to enhance their customer revenue, engagement and loyalty,
whilst at the same time reducing cost to deliver improved profitability.

This is underpinned by the delivery of a portfolio of complementary Life
Assistance products, designed to help our mutual customers cope with the
anxieties associated with the challenges and opportunities of everyday life.

Whether our customers have lost their wallets, been a victim of identity
fraud or looking for lifestyle perks, CPP can help remove the hassle from
their lives leaving them free to enjoy life. Globally, our Life Assistance
products and services are designed to simplify the complexities of everyday
living whether these affect personal finances, home, travel, personal data or
future plans. When it really matters, Life Assistance enables people to live
life and worry less.

Established in 1980, CPP has 10 million customers and more than 200
business partners across Europe, North America and Asia and employs 1,900
employees who handle millions of sales and service conversations each year.

In 2009, Group revenue was GBP292.1 million, an increase of more than 12
per cent over the previous year.

In March 2010, CPP debuted on the London Stock Exchange (LSE).

What We Do:

CPP provides a range of assistance products and services that allow our
business partners to forge closer relationships with their customers.

We have a solution for many eventualities, including:

    - Insuring our customers' mobile phones against loss, theft and damage

    - Protecting the payment cards in our customers' wallets and purses,
    should these be lost or stolen

    - Providing assistance and protection if a customer's keys are lost or
    stolen

    - Providing advice, insurance and assistance to protect customers against
    the insidious crime of identity fraud

    - Assisting customers with their travel needs be it an emergency (for
    example lost passport), or basic translation service

    - Monitoring the credit status of our customers

    - Provision of packaged services to business partners' customers

    CPP is an award winning organisation:

    - Winner in the European Contact Centre Awards, Large Team of the Year
    category, 2010

    - Finalist in the European Contact Centre Awards, Best Centre for
    Customer Service, Large Contact Centre of the Year categories, 2010

    - Winner in the National Sales Awards, Contact Centre Sales Team of the
    Year category, 2010

    - Finalist in the National Insurance Fraud Awards, Counter Fraud
    Initiative of the Year category, 2009

    - Finalist in the European Contact Centre Awards, Large Team and Advisor
    of the Year categories, 2009

    - Named in the Sunday Times 2008 PricewaterhouseCoopers Profit Track 100

    - Finalists in the National Business Awards, 3i Growth Strategy category,
    2008

    - Finalist in the National Business Awards, Business of the Year
    category, 2007, 2009 and Highly Commended in 2008

    - Named in the Sunday Times 2006, 2007, 2008 and 2009 HSBC Top Track 250
    companies

    - Regional winner of the National Training Awards, 2007

    - Winner of the BITC Health, Work and Well-Being Award, 2007

    - Highly Commended in the UK National Customer Service Awards, 2006

    - Winner of the Tamworth Community Involvement Award, 2006. Finalist in
    2008

    - Highly Commended in The Press Best Link Between Business and Education,
    2005 and 2006. Winner in 2007

    - Finalist in the National Business Awards, Innovation category, 2005

For more information on CPP click on www.cppgroupplc.com

For more information or to arrange a time for interview with CPP's card fraud expert, Sarah Blaney, please call Band & Brown Communications: Eoghan Hughes - +44(0)20-3451-9413 / +44(0)7852-881-983 ; Sarah Davidson - +44(0)20-3451-9405 / +44(0)7731-462451