<SEC-DOCUMENT>0000893750-20-000011.txt : 20200214
<SEC-HEADER>0000893750-20-000011.hdr.sgml : 20200214
<ACCEPTANCE-DATETIME>20200214120813
ACCESSION NUMBER:		0000893750-20-000011
CONFORMED SUBMISSION TYPE:	SC 13G/A
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20200214
DATE AS OF CHANGE:		20200214

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			ENCORE CAPITAL GROUP INC
		CENTRAL INDEX KEY:			0001084961
		STANDARD INDUSTRIAL CLASSIFICATION:	SHORT-TERM BUSINESS CREDIT INSTITUTIONS [6153]
		IRS NUMBER:				481090909
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		SC 13G/A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	005-58347
		FILM NUMBER:		20616566

	BUSINESS ADDRESS:	
		STREET 1:		350 CAMINO DE LA REINA
		STREET 2:		SUITE 100
		CITY:			SAN DIEGO
		STATE:			CA
		ZIP:			92108
		BUSINESS PHONE:		877-445-4581

	MAIL ADDRESS:	
		STREET 1:		350 CAMINO DE LA REINA
		STREET 2:		SUITE 100
		CITY:			SAN DIEGO
		STATE:			CA
		ZIP:			92108

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MCM CAPITAL GROUP INC
		DATE OF NAME CHANGE:	19990430

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MIDLAND CORP OF KANSAS
		DATE OF NAME CHANGE:	19990423

FILED BY:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			JCF III Europe Holdings L.P.
		CENTRAL INDEX KEY:			0001748693
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			E9
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		SC 13G/A

	BUSINESS ADDRESS:	
		STREET 1:		C/O J.C. FLOWERS & CO.
		STREET 2:		767 FIFTH AVENUE, 23RD FLOOR
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10153
		BUSINESS PHONE:		212-404-6800

	MAIL ADDRESS:	
		STREET 1:		C/O J.C. FLOWERS & CO.
		STREET 2:		767 FIFTH AVENUE, 23RD FLOOR
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10153
</SEC-HEADER>
<DOCUMENT>
<TYPE>SC 13G/A
<SEQUENCE>1
<FILENAME>sch13ga.htm
<TEXT>
<html>
  <head>
    <title>&#160;</title>
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      <div style="FONT-SIZE: 14pt; TEXT-ALIGN: center">
        <div style="line-height: 20.5pt; margin-top: 12pt; font-size: 18pt; font-weight: bold;">UNITED STATES</div>
        <div style="line-height: 20.5pt; font-size: 18pt; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>
      </div>
      <div style="FONT-SIZE: 12pt; TEXT-ALIGN: center"><font style="font-size: 10pt; font-weight: bold;">Washington, D.C. 20549 </font></div>
      <div><br>
      </div>
      <div style="font-size: 18pt; text-align: center; font-weight: bold;">SCHEDULE 13G</div>
      <div style="text-align: center;">
        <div style="line-height: 13.7pt; font-weight: bold;">Under the Securities Exchange Act of 1934</div>
        <div style="line-height: 20.5pt;"><font style="font-weight: bold;">(Amendment No. 2)*</font></div>
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      <div><br>
      </div>
      <div><br>
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      <table cellspacing="0" cellpadding="0" style="width: 100%; border-collapse: collapse; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">

          <tr>
            <td style="FONT-SIZE: 24pt; WIDTH: 100%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
              <div style="TEXT-ALIGN: center">&#160;ENCORE CAPITAL GROUP, INC.</div>
            </td>
          </tr>
          <tr>
            <td style="WIDTH: 100%; VERTICAL-ALIGN: top">
              <div style="TEXT-ALIGN: center">(Name of Issuer)</div>
            </td>
          </tr>
          <tr>
            <td style="WIDTH: 100%; VERTICAL-ALIGN: top">&#160;</td>
          </tr>
          <tr>
            <td style="WIDTH: 100%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
              <div style="TEXT-ALIGN: center">&#160;Common Stock, par value $0.01 per share</div>
            </td>
          </tr>
          <tr>
            <td style="WIDTH: 100%; VERTICAL-ALIGN: top">
              <div style="TEXT-ALIGN: center">(Title of Class of Securities)</div>
            </td>
          </tr>
          <tr>
            <td style="WIDTH: 100%; VERTICAL-ALIGN: top">&#160;</td>
          </tr>
          <tr>
            <td style="FONT-VARIANT: normal; WIDTH: 100%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid; FONT-WEIGHT: normal; FONT-STYLE: normal">
              <div style="TEXT-ALIGN: center">&#160;292554102</div>
            </td>
          </tr>
          <tr>
            <td style="WIDTH: 100%; VERTICAL-ALIGN: top">
              <div style="TEXT-ALIGN: center">(CUSIP Number)</div>
            </td>
          </tr>
          <tr>
            <td style="WIDTH: 100%; VERTICAL-ALIGN: top">&#160;</td>
          </tr>
          <tr>
            <td style="WIDTH: 100%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
              <div style="TEXT-ALIGN: center">&#160;December 31, 2019</div>
            </td>
          </tr>
          <tr>
            <td style="WIDTH: 100%; VERTICAL-ALIGN: top">
              <div style="TEXT-ALIGN: center">(Date of Event Which Requires Filing of this Statement)</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <div>Check the appropriate box to designate the rule pursuant to which this Schedule is filed:</div>
      <div><br>
      </div>
      <div>&#9744; Rule 13d-1(b)</div>
      <div>&#9746; Rule 13d-1(c)</div>
      <div>&#9744; Rule 13d-1(d)</div>
      <div><br>
      </div>
      <div>*The remainder of this cover page shall be filled out for a reporting person's initial filing on this form with respect to the subject class of securities, and for any subsequent amendment containing information which
        would alter the disclosures provided in a prior cover page.</div>
      <div><br>
      </div>
      <div>The information required in the remainder of this cover page shall not be deemed to be "filed" for the purpose of Section 18 of the Securities Exchange Act of 1934 ("Act") or otherwise subject to the liabilities of that
        section of the Act but shall be subject to all other provisions of the Act (however, see the Notes).</div>
      <div>&#160;</div>
      <div style="TEXT-ALIGN: center">
        <hr style="border-top: black 1px solid; height: 10px; border-bottom: black 4px solid; color: #ffffff; margin-left: auto; background-color: #ffffff; margin-right: auto;">
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      <div style="TEXT-ALIGN: center">&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
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          <hr noshade="noshade" style="width: 100%; border-width: 0px; clear: both; margin: 4px 0px; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="line-height: 13.7pt;">&#160; <br>
      </div>
    </div>
    <div style="text-align: center; line-height: 11.4pt;">13G</div>
    <div style="text-align: left; line-height: 10pt;">&#160;</div>
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        <tr>
          <td style="width: 50%; vertical-align: middle;">
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
          <td style="width: 1.67%; vertical-align: bottom;">
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
          <td style="width: 48.33%; vertical-align: middle;">
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 11.4pt;">CUSIP&#160;No. 292554102</div>
          </td>
          <td style="width: 1.67%; vertical-align: bottom;">
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
          <td style="width: 48.33%; vertical-align: bottom;">
            <div style="text-align: right; line-height: 11.4pt;">Page 2 of 8</div>
          </td>
        </tr>

    </table>
    <div style="text-align: left; line-height: 11.4pt;">&#160;</div>
    <table cellspacing="0" cellpadding="0" id="z96d0c41875ce4710a4b89d170d17fe9d" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

        <tr>
          <td style="width: 7.72%; vertical-align: top; border-left: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">&#160;&#160;1.&#160;</div>
          </td>
          <td style="width: 92.28%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;" colspan="3">
            <div style="line-height: 11.4pt;">Name of Reporting Persons:</div>
            <div style="line-height: 11.4pt;">&#160;</div>
            <div style="line-height: 11.4pt;">JCF III Europe Holdings L.P.</div>
          </td>
        </tr>
        <tr>
          <td style="width: 7.72%; vertical-align: top; border-left: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">&#160;&#160;2.</div>
          </td>
          <td style="width: 92.28%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;" colspan="3">
            <div style="line-height: 11.4pt;">Check the Appropriate Box if a Member of a Group</div>
            <div style="line-height: 11.4pt;">(a)&#160;&#160;&#9744;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(b)&#160;&#160;&#9746;</div>
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 7.72%; vertical-align: top; border-left: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">&#160;&#160;3.</div>
            <div style="line-height: 11.4pt;"> <br>
            </div>
          </td>
          <td style="width: 92.28%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;" colspan="3">
            <div style="line-height: 11.4pt;">SEC Use Only</div>
            <div style="line-height: 11.4pt;"> <br>
            </div>
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 7.72%; vertical-align: top; border-left: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">&#160;&#160;4.</div>
          </td>
          <td style="width: 92.28%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;" colspan="3">
            <div style="line-height: 11.4pt;">Citizenship or Place of Organization:</div>
            <div style="line-height: 11.4pt;">&#160;</div>
            <div style="line-height: 11.4pt;">&#160;&#160;&#160;&#160;Cayman Islands</div>
          </td>
        </tr>
        <tr>
          <td style="width: 16.94%; vertical-align: middle; border-left: #000000 2px solid;" rowspan="4" colspan="2">
            <div style="text-align: center; line-height: 11.4pt;">NUMBER&#160;OF</div>
            <div style="text-align: center; line-height: 11.4pt;">SHARES</div>
            <div style="text-align: center; line-height: 11.4pt;">BENEFICIALLY</div>
            <div style="text-align: center; line-height: 11.4pt;">OWNED&#160;BY</div>
            <div style="text-align: center; line-height: 11.4pt;">EACH</div>
            <div style="text-align: center; line-height: 11.4pt;">REPORTING</div>
            <div style="text-align: center; line-height: 11.4pt;">PERSON</div>
            <div style="text-align: center; line-height: 11.4pt;">WITH</div>
          </td>
          <td style="width: 9.25%; vertical-align: top; border-left: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">&#160; 5.&#160;</div>
          </td>
          <td style="width: 73.81%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">Sole Voting Power:</div>
            <div style="line-height: 11.4pt;">&#160;</div>
            <div style="line-height: 11.4pt;">&#160;&#160;&#160;&#160;0</div>
          </td>
        </tr>
        <tr>
          <td style="width: 9.22%; vertical-align: top; border-left: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">&#160; 6.</div>
          </td>
          <td style="width: 9.25%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">Shared Voting Power:</div>
            <div style="line-height: 11.4pt;">&#160;</div>
            <div style="line-height: 11.4pt;">&#160;&#160;&#160;&#160;798,000</div>
          </td>
        </tr>
        <tr>
          <td style="width: 9.22%; vertical-align: top; border-left: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">&#160; 7.</div>
          </td>
          <td style="width: 9.25%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">Sole Dispositive Power:</div>
            <div style="line-height: 11.4pt;">&#160;</div>
            <div style="line-height: 11.4pt;">&#160;&#160;&#160;&#160;0</div>
          </td>
        </tr>
        <tr>
          <td style="width: 9.22%; vertical-align: top; border-left: #000000 2px solid;">
            <div style="line-height: 11.4pt;">&#160; 8.</div>
          </td>
          <td style="width: 9.25%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid;">
            <div style="line-height: 11.4pt;">Shared Dispositive Power:</div>
            <div style="line-height: 11.4pt;">&#160;</div>
            <div style="line-height: 11.4pt;">&#160;&#160;&#160;&#160;798,000</div>
          </td>
        </tr>
        <tr>
          <td style="width: 7.72%; vertical-align: top; border-left: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">&#160;&#160;9.</div>
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          <td style="width: 92.28%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;" colspan="3">
            <div style="line-height: 11.4pt;">Aggregate Amount Beneficially Owned by Each Reporting Person:</div>
            <div style="line-height: 11.4pt;">&#160;</div>
            <div style="line-height: 11.4pt;">&#160;&#160;&#160;&#160;798,000</div>
          </td>
        </tr>
        <tr>
          <td style="width: 7.72%; vertical-align: top; border-left: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">10.</div>
          </td>
          <td style="width: 92.28%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;" colspan="3">
            <div style="line-height: 11.4pt;">Check Box if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions)&#160;&#160;&#160;&#160;&#9744;</div>
            <div style="line-height: 11.4pt;"> <br>
              </div>
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 7.72%; vertical-align: top; border-left: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">11.</div>
          </td>
          <td style="width: 92.28%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;" colspan="3">
            <div style="line-height: 11.4pt;">Percent of Class Represented by Amount in Row (9):</div>
            <div style="line-height: 11.4pt;">&#160;</div>
            <div style="line-height: 11.4pt;">&#160;&#160;&#160;&#160;2.6%</div>
          </td>
        </tr>
        <tr>
          <td style="width: 7.72%; vertical-align: top; border-left: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">12.</div>
          </td>
          <td style="width: 92.28%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;" colspan="3">
            <div style="line-height: 11.4pt;">Type of Reporting Person (See Instructions):</div>
            <div style="line-height: 11.4pt;">&#160;</div>
            <div style="line-height: 11.4pt;">&#160;&#160;&#160;&#160;PN</div>
          </td>
        </tr>

    </table>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-align: center; line-height: 11.4pt;">13G</div>
    <div style="text-align: left; line-height: 10pt;">&#160;</div>
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        <tr>
          <td style="width: 50%; vertical-align: middle;">
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
          <td style="width: 1.67%; vertical-align: bottom;">
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
          <td style="width: 48.33%; vertical-align: middle;">
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 11.4pt;">CUSIP&#160;No. 292554102</div>
          </td>
          <td style="width: 1.67%; vertical-align: bottom;">
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
          <td style="width: 48.33%; vertical-align: bottom;">
            <div style="text-align: right; line-height: 11.4pt;">Page 3 of 8</div>
          </td>
        </tr>

    </table>
    <div style="text-align: left; line-height: 11.4pt;">&#160;</div>
    <table cellspacing="0" cellpadding="0" id="za55fd30b86de421dae2c4428f6a157b2" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

        <tr>
          <td style="width: 7.72%; vertical-align: top; border-left: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">&#160;&#160;1.&#160;</div>
          </td>
          <td style="width: 92.28%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;" colspan="3">
            <div style="line-height: 11.4pt;">Name of Reporting Persons:</div>
            <div style="line-height: 11.4pt;">&#160;</div>
            <div style="line-height: 11.4pt;">JCF Associates III L.P.</div>
          </td>
        </tr>
        <tr>
          <td style="width: 7.72%; vertical-align: top; border-left: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">&#160;&#160;2.</div>
          </td>
          <td style="width: 92.28%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;" colspan="3">
            <div style="line-height: 11.4pt;">Check the Appropriate Box if a Member of a Group</div>
            <div style="line-height: 11.4pt;">(a)&#160;&#160;&#9744;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(b)&#160;&#160;&#9746;</div>
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 7.72%; vertical-align: top; border-left: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">&#160;&#160;3.</div>
          </td>
          <td style="width: 92.28%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;" colspan="3">
            <div style="line-height: 11.4pt;">SEC Use Only</div>
            <div style="line-height: 11.4pt;"> <br>
            </div>
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 7.72%; vertical-align: top; border-left: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">&#160;&#160;4.</div>
          </td>
          <td style="width: 92.28%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;" colspan="3">
            <div style="line-height: 11.4pt;">Citizenship or Place of Organization:</div>
            <div style="line-height: 11.4pt;">&#160;</div>
            <div style="line-height: 11.4pt;">&#160;&#160;&#160;&#160;Cayman Islands</div>
          </td>
        </tr>
        <tr>
          <td style="width: 16.94%; vertical-align: middle; border-left: #000000 2px solid;" rowspan="4" colspan="2">
            <div style="text-align: center; line-height: 11.4pt;">NUMBER&#160;OF</div>
            <div style="text-align: center; line-height: 11.4pt;">SHARES</div>
            <div style="text-align: center; line-height: 11.4pt;">BENEFICIALLY</div>
            <div style="text-align: center; line-height: 11.4pt;">OWNED&#160;BY</div>
            <div style="text-align: center; line-height: 11.4pt;">EACH</div>
            <div style="text-align: center; line-height: 11.4pt;">REPORTING</div>
            <div style="text-align: center; line-height: 11.4pt;">PERSON</div>
            <div style="text-align: center; line-height: 11.4pt;">WITH</div>
          </td>
          <td style="width: 9.25%; vertical-align: top; border-left: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">&#160; 5.&#160;</div>
          </td>
          <td style="width: 73.81%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">Sole Voting Power:</div>
            <div style="line-height: 11.4pt;">&#160;</div>
            <div style="line-height: 11.4pt;">&#160;&#160;&#160;&#160;0</div>
          </td>
        </tr>
        <tr>
          <td style="width: 9.22%; vertical-align: top; border-left: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">&#160; 6.</div>
          </td>
          <td style="width: 9.25%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">Shared Voting Power:</div>
            <div style="line-height: 11.4pt;">&#160;</div>
            <div style="line-height: 11.4pt;">&#160;&#160;&#160;&#160;798,000</div>
          </td>
        </tr>
        <tr>
          <td style="width: 9.22%; vertical-align: top; border-left: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">&#160; 7.</div>
          </td>
          <td style="width: 9.25%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">Sole Dispositive Power:</div>
            <div style="line-height: 11.4pt;">&#160;</div>
            <div style="line-height: 11.4pt;">&#160;&#160;&#160;&#160;0</div>
          </td>
        </tr>
        <tr>
          <td style="width: 9.22%; vertical-align: top; border-left: #000000 2px solid;">
            <div style="line-height: 11.4pt;">&#160; 8.</div>
          </td>
          <td style="width: 9.25%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid;">
            <div style="line-height: 11.4pt;">Shared Dispositive Power:</div>
            <div style="line-height: 11.4pt;">&#160;</div>
            <div style="line-height: 11.4pt;">&#160;&#160;&#160;&#160;798,000</div>
          </td>
        </tr>
        <tr>
          <td style="width: 7.72%; vertical-align: top; border-left: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">&#160;&#160;9.</div>
          </td>
          <td style="width: 92.28%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;" colspan="3">
            <div style="line-height: 11.4pt;">Aggregate Amount Beneficially Owned by Each Reporting Person:</div>
            <div style="line-height: 11.4pt;">&#160;</div>
            <div style="line-height: 11.4pt;">&#160;&#160;&#160;&#160;798,000</div>
          </td>
        </tr>
        <tr>
          <td style="width: 7.72%; vertical-align: top; border-left: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">10.</div>
          </td>
          <td style="width: 92.28%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;" colspan="3">
            <div style="line-height: 11.4pt;">Check Box if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions)&#160;&#160;&#160;&#160;&#9744;</div>
            <div style="line-height: 11.4pt;"> <br>
              </div>
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 7.72%; vertical-align: top; border-left: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">11.</div>
          </td>
          <td style="width: 92.28%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;" colspan="3">
            <div style="line-height: 11.4pt;">Percent of Class Represented by Amount in Row (9):</div>
            <div style="line-height: 11.4pt;">&#160;</div>
            <div style="line-height: 11.4pt;">&#160;&#160;&#160;&#160;2.6%</div>
          </td>
        </tr>
        <tr>
          <td style="width: 7.72%; vertical-align: top; border-left: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">12.</div>
          </td>
          <td style="width: 92.28%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;" colspan="3">
            <div style="line-height: 11.4pt;">Type of Reporting Person (See Instructions):</div>
            <div style="line-height: 11.4pt;">&#160;</div>
            <div style="line-height: 11.4pt;">&#160;&#160;&#160;&#160;PN</div>
          </td>
        </tr>

    </table>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-align: center; line-height: 11.4pt;">13G</div>
    <div style="text-align: left; line-height: 10pt;">&#160;</div>
    <table cellspacing="0" cellpadding="0" id="z2d5560a15efe4be5b0c244fdf9edde3f" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

        <tr>
          <td style="width: 50%; vertical-align: middle;">
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
          <td style="width: 1.67%; vertical-align: bottom;">
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
          <td style="width: 48.33%; vertical-align: middle;">
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 11.4pt;">CUSIP&#160;No. 292554102</div>
          </td>
          <td style="width: 1.67%; vertical-align: bottom;">
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
          <td style="width: 48.33%; vertical-align: bottom;">
            <div style="text-align: right; line-height: 11.4pt;">Page 4 of 8</div>
          </td>
        </tr>

    </table>
    <div style="text-align: left; line-height: 11.4pt;">&#160;</div>
    <table cellspacing="0" cellpadding="0" id="z4c382e5abdb445e089577d801095dce6" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

        <tr>
          <td style="width: 7.72%; vertical-align: top; border-left: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">&#160;&#160;1.&#160;</div>
          </td>
          <td style="width: 92.28%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;" colspan="3">
            <div style="line-height: 11.4pt;">Name of Reporting Persons:</div>
            <div style="line-height: 11.4pt;">&#160;</div>
            <div style="line-height: 11.4pt;">JCF Associates III Ltd.</div>
          </td>
        </tr>
        <tr>
          <td style="width: 7.72%; vertical-align: top; border-left: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">&#160;&#160;2.</div>
          </td>
          <td style="width: 92.28%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;" colspan="3">
            <div style="line-height: 11.4pt;">Check the Appropriate Box if a Member of a Group</div>
            <div style="line-height: 11.4pt;">(a)&#160;&#160;&#9744;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(b)&#160;&#160;&#9746;</div>
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 7.72%; vertical-align: top; border-left: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">&#160;&#160;3.</div>
          </td>
          <td style="width: 92.28%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;" colspan="3">
            <div style="line-height: 11.4pt;">SEC Use Only</div>
            <div style="line-height: 11.4pt;"> <br>
            </div>
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 7.72%; vertical-align: top; border-left: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">&#160;&#160;4.</div>
          </td>
          <td style="width: 92.28%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;" colspan="3">
            <div style="line-height: 11.4pt;">Citizenship or Place of Organization:</div>
            <div style="line-height: 11.4pt;">&#160;</div>
            <div style="line-height: 11.4pt;">&#160;&#160;&#160;&#160;Cayman Islands</div>
          </td>
        </tr>
        <tr>
          <td style="width: 16.94%; vertical-align: middle; border-left: #000000 2px solid;" rowspan="4" colspan="2">
            <div style="text-align: center; line-height: 11.4pt;">NUMBER&#160;OF</div>
            <div style="text-align: center; line-height: 11.4pt;">SHARES</div>
            <div style="text-align: center; line-height: 11.4pt;">BENEFICIALLY</div>
            <div style="text-align: center; line-height: 11.4pt;">OWNED&#160;BY</div>
            <div style="text-align: center; line-height: 11.4pt;">EACH</div>
            <div style="text-align: center; line-height: 11.4pt;">REPORTING</div>
            <div style="text-align: center; line-height: 11.4pt;">PERSON</div>
            <div style="text-align: center; line-height: 11.4pt;">WITH</div>
          </td>
          <td style="width: 9.25%; vertical-align: bottom; border-left: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">&#160; 5.&#160;</div>
            <div style="line-height: 11.4pt;"> <br>
            </div>
            <div style="line-height: 11.4pt;"> <br>
            </div>
          </td>
          <td style="width: 73.81%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">Sole Voting Power:</div>
            <div style="line-height: 11.4pt;">&#160;</div>
            <div style="line-height: 11.4pt;">&#160;&#160;&#160;&#160;0</div>
          </td>
        </tr>
        <tr>
          <td style="width: 9.22%; vertical-align: bottom; border-left: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">&#160; 6.</div>
            <div style="line-height: 11.4pt;"> <br>
            </div>
            <div style="line-height: 11.4pt;"> <br>
            </div>
          </td>
          <td style="width: 9.25%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">Shared Voting Power:</div>
            <div style="line-height: 11.4pt;">&#160;</div>
            <div style="line-height: 11.4pt;">&#160;&#160;&#160;&#160;798,000</div>
          </td>
        </tr>
        <tr>
          <td style="width: 9.22%; vertical-align: bottom; border-left: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">&#160; 7.</div>
            <div style="line-height: 11.4pt;"> <br>
            </div>
            <div style="line-height: 11.4pt;"> <br>
            </div>
          </td>
          <td style="width: 9.25%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">Sole Dispositive Power:</div>
            <div style="line-height: 11.4pt;">&#160;</div>
            <div style="line-height: 11.4pt;">&#160;&#160;&#160;&#160;0</div>
          </td>
        </tr>
        <tr>
          <td style="width: 9.22%; vertical-align: bottom; border-left: #000000 2px solid;">
            <div style="line-height: 11.4pt;">&#160; 8.</div>
            <div style="line-height: 11.4pt;"> <br>
            </div>
            <div style="line-height: 11.4pt;"> <br>
            </div>
          </td>
          <td style="width: 9.25%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid;">
            <div style="line-height: 11.4pt;">Shared Dispositive Power:</div>
            <div style="line-height: 11.4pt;">&#160;</div>
            <div style="line-height: 11.4pt;">&#160;&#160;&#160;&#160;798,000</div>
          </td>
        </tr>
        <tr>
          <td style="width: 7.72%; vertical-align: top; border-left: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">&#160;&#160;9.</div>
          </td>
          <td style="width: 92.28%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;" colspan="3">
            <div style="line-height: 11.4pt;">Aggregate Amount Beneficially Owned by Each Reporting Person:</div>
            <div style="line-height: 11.4pt;">&#160;</div>
            <div style="line-height: 11.4pt;">&#160;&#160;&#160;&#160;798,000</div>
          </td>
        </tr>
        <tr>
          <td style="width: 7.72%; vertical-align: top; border-left: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">10.</div>
          </td>
          <td style="width: 92.28%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;" colspan="3">
            <div style="line-height: 11.4pt;">Check Box if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions)&#160;&#160;&#160;&#160;&#9744;</div>
            <div style="line-height: 11.4pt;"> <br>
              </div>
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 7.72%; vertical-align: top; border-left: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">11.</div>
          </td>
          <td style="width: 92.28%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;" colspan="3">
            <div style="line-height: 11.4pt;">Percent of Class Represented by Amount in Row (9):</div>
            <div style="line-height: 11.4pt;">&#160;</div>
            <div style="line-height: 11.4pt;">&#160;&#160;&#160;&#160;2.6%</div>
          </td>
        </tr>
        <tr>
          <td style="width: 7.72%; vertical-align: top; border-left: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">12.</div>
          </td>
          <td style="width: 92.28%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;" colspan="3">
            <div style="line-height: 11.4pt;">Type of Reporting Person (See Instructions):</div>
            <div style="line-height: 11.4pt;">&#160;</div>
            <div style="line-height: 11.4pt;">&#160;&#160;&#160;&#160;CO</div>
          </td>
        </tr>

    </table>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-align: center; line-height: 11.4pt;">13G</div>
    <div style="text-align: left; line-height: 10pt;">&#160;</div>
    <table cellspacing="0" cellpadding="0" id="z66f6d7bd8003419ab3de0debf257adc1" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

        <tr>
          <td style="width: 50%; vertical-align: middle;">
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
          <td style="width: 1.67%; vertical-align: bottom;">
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
          <td style="width: 48.33%; vertical-align: middle;">
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 11.4pt;">CUSIP&#160;No. 292554102</div>
          </td>
          <td style="width: 1.67%; vertical-align: bottom;">
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
          <td style="width: 48.33%; vertical-align: bottom;">
            <div style="text-align: right; line-height: 11.4pt;">Page 5 of 8</div>
          </td>
        </tr>

    </table>
    <div style="text-align: left; line-height: 10pt;">&#160;</div>
    <table cellspacing="0" cellpadding="0" id="zf2fe3bcca7d74617bbb798fdd3f773b0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

        <tr>
          <td style="width: 7.72%; vertical-align: top; border-left: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">&#160;&#160;1.&#160;</div>
          </td>
          <td style="width: 92.28%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;" colspan="3">
            <div style="line-height: 11.4pt;">Name of Reporting Persons:</div>
            <div style="line-height: 11.4pt;">&#160;</div>
            <div style="line-height: 11.4pt;">J. Christopher Flowers</div>
          </td>
        </tr>
        <tr>
          <td style="width: 7.72%; vertical-align: top; border-left: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">&#160;&#160;2.</div>
          </td>
          <td style="width: 92.28%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;" colspan="3">
            <div style="line-height: 11.4pt;">Check the Appropriate Box if a Member of a Group</div>
            <div style="line-height: 11.4pt;">(a)&#160;&#160;&#9744;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(b)&#160;&#160;&#9746;</div>
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 7.72%; vertical-align: top; border-left: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">&#160;&#160;3.</div>
          </td>
          <td style="width: 92.28%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;" colspan="3">
            <div style="line-height: 11.4pt;">SEC Use Only</div>
            <div style="line-height: 11.4pt;"> <br>
            </div>
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 7.72%; vertical-align: top; border-left: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">&#160;&#160;4.</div>
          </td>
          <td style="width: 92.28%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;" colspan="3">
            <div style="line-height: 11.4pt;">Citizenship or Place of Organization:</div>
            <div style="line-height: 11.4pt;">&#160;</div>
            <div style="line-height: 11.4pt;">&#160;&#160;&#160;&#160;United States of America</div>
          </td>
        </tr>
        <tr>
          <td style="width: 16.94%; vertical-align: middle; border-left: #000000 2px solid;" rowspan="4" colspan="2">
            <div style="text-align: center; line-height: 11.4pt;">NUMBER&#160;OF</div>
            <div style="text-align: center; line-height: 11.4pt;">SHARES</div>
            <div style="text-align: center; line-height: 11.4pt;">BENEFICIALLY</div>
            <div style="text-align: center; line-height: 11.4pt;">OWNED&#160;BY</div>
            <div style="text-align: center; line-height: 11.4pt;">EACH</div>
            <div style="text-align: center; line-height: 11.4pt;">REPORTING</div>
            <div style="text-align: center; line-height: 11.4pt;">PERSON</div>
            <div style="text-align: center; line-height: 11.4pt;">WITH</div>
          </td>
          <td style="width: 9.25%; vertical-align: top; border-left: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">&#160; 5.&#160;</div>
          </td>
          <td style="width: 73.81%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">Sole Voting Power:</div>
            <div style="line-height: 11.4pt;">&#160;</div>
            <div style="line-height: 11.4pt;">&#160;&#160;&#160;&#160;0</div>
          </td>
        </tr>
        <tr>
          <td style="width: 9.22%; vertical-align: top; border-left: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">&#160; 6.</div>
          </td>
          <td style="width: 9.25%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">Shared Voting Power:</div>
            <div style="line-height: 11.4pt;">&#160;</div>
            <div style="line-height: 11.4pt;">&#160;&#160;&#160;&#160;798,000</div>
          </td>
        </tr>
        <tr>
          <td style="width: 9.22%; vertical-align: top; border-left: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">&#160; 7.</div>
          </td>
          <td style="width: 9.25%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">Sole Dispositive Power:</div>
            <div style="line-height: 11.4pt;">&#160;</div>
            <div style="line-height: 11.4pt;">&#160;&#160;&#160;&#160;0</div>
          </td>
        </tr>
        <tr>
          <td style="width: 9.22%; vertical-align: top; border-left: #000000 2px solid;">
            <div style="line-height: 11.4pt;">&#160; 8.</div>
          </td>
          <td style="width: 9.25%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid;">
            <div style="line-height: 11.4pt;">Shared Dispositive Power:</div>
            <div style="line-height: 11.4pt;">&#160;</div>
            <div style="line-height: 11.4pt;">&#160;&#160;&#160;&#160;798,000</div>
          </td>
        </tr>
        <tr>
          <td style="width: 7.72%; vertical-align: top; border-left: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">&#160;&#160;9.</div>
          </td>
          <td style="width: 92.28%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;" colspan="3">
            <div style="line-height: 11.4pt;">Aggregate Amount Beneficially Owned by Each Reporting Person:</div>
            <div style="line-height: 11.4pt;">&#160;</div>
            <div style="line-height: 11.4pt;">&#160;&#160;&#160;&#160;798,000</div>
          </td>
        </tr>
        <tr>
          <td style="width: 7.72%; vertical-align: top; border-left: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">10.</div>
          </td>
          <td style="width: 92.28%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;" colspan="3">
            <div style="line-height: 11.4pt;">Check Box if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions)&#160;&#160;&#160;&#160;&#9744;</div>
            <div style="line-height: 11.4pt;"> <br>
              </div>
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 7.72%; vertical-align: top; border-left: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">11.</div>
          </td>
          <td style="width: 92.28%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;" colspan="3">
            <div style="line-height: 11.4pt;">Percent of Class Represented by Amount in Row (9):</div>
            <div style="line-height: 11.4pt;">&#160;</div>
            <div style="line-height: 11.4pt;">&#160;&#160;&#160;&#160;2.6%</div>
          </td>
        </tr>
        <tr>
          <td style="width: 7.72%; vertical-align: top; border-left: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 11.4pt;">12.</div>
          </td>
          <td style="width: 92.28%; vertical-align: bottom; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;" colspan="3">
            <div style="line-height: 11.4pt;">Type of Reporting Person (See Instructions):</div>
            <div style="line-height: 11.4pt;">&#160;</div>
            <div style="line-height: 11.4pt;">&#160;&#160;&#160;&#160;IN</div>
          </td>
        </tr>

    </table>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <table cellspacing="0" cellpadding="0" border="0" id="z3565b5b92eb74a45b43b709299d7dc50" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

        <tr>
          <td style="width: 7%; vertical-align: top;">
            <div style="line-height: 11.4pt; font-weight: bold;">Item&#160;1.</div>
          </td>
          <td style="width: 90.03%; vertical-align: top;">
            <div style="line-height: 11.4pt; font-weight: bold;">(a). Name of Issuer</div>
          </td>
        </tr>

    </table>
    <div style="text-align: left; margin-left: 36pt; line-height: 20.5pt;">Encore Capital Group, Inc. (the &#8220;Issuer&#8221;) <font style="font-size: 18pt;">&#160;</font></div>
    <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#160;</div>
    <table cellspacing="0" cellpadding="0" border="0" id="zfb685947b205428084e95717656f567f" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

        <tr>
          <td style="width: 7%; vertical-align: middle;">
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
          <td style="width: 3.83%; vertical-align: top;">
            <div style="line-height: 11.4pt; font-weight: bold;">(b).</div>
          </td>
          <td style="width: 93.29%; vertical-align: top;">
            <div style="line-height: 11.4pt; font-weight: bold;">Address of Issuer&#8217;s Principal Executive Offices:</div>
          </td>
        </tr>

    </table>
    <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#160;</div>
    <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">3111 Camino Del Rio North, Suite 103</div>
    <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">San Diego, California 92108</div>
    <div style="text-align: left; line-height: 11.4pt;">&#160;</div>
    <table cellspacing="0" cellpadding="0" border="0" id="z2c368cef7eda47b8af93d98a8995bc1e" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

        <tr>
          <td style="width: 7%; vertical-align: top;">
            <div style="line-height: 11.4pt; font-weight: bold;">Item&#160;2(a).</div>
          </td>
          <td style="width: 90%; vertical-align: top;">
            <div style="line-height: 11.4pt; font-weight: bold;">Name of Person Filing</div>
          </td>
        </tr>
        <tr>
          <td style="width: 7%; vertical-align: top;">
            <div style="line-height: 11.4pt; font-weight: bold;">Item&#160;2(b).</div>
          </td>
          <td style="width: 90%; vertical-align: top;">
            <div style="line-height: 11.4pt; font-weight: bold;">Address of Principal Business Office</div>
          </td>
        </tr>
        <tr>
          <td style="width: 7%; vertical-align: top;">
            <div style="line-height: 11.4pt; font-weight: bold;">Item&#160;2(c).</div>
          </td>
          <td style="width: 90%; vertical-align: top;">
            <div style="line-height: 11.4pt; font-weight: bold;">Citizenship</div>
          </td>
        </tr>

    </table>
    <div style="text-align: left; text-indent: 36pt; line-height: 11.4pt;">&#160;</div>
    <div style="text-align: left; text-indent: 36pt; line-height: 11.4pt;">This Schedule 13G is being jointly filed by JCF III Europe Holdings L.P., a Cayman Islands exempted limited
      partnership, JCF Associates III L.P., a Cayman Islands exempted limited partnership, JCF Associates III Ltd., a Cayman Islands exempted company, and J. Christopher Flowers, a natural person and citizen of the United States of America (collectively,
      the &#8220;Reporting Persons&#8221;).&#160;</div>
    <div style="text-align: left; text-indent: 36pt; line-height: 11.4pt;">&#160;</div>
    <div style="text-align: left; text-indent: 36pt; line-height: 11.4pt;">JCF Associates III L.P. is the general partner of JCF III Europe Holdings L.P.&#160; JCF Associates III Ltd. is the general
      partner of JCF Associates III L.P.&#160; J. Christopher Flowers is the sole director of JCF Associates III Ltd., and thus may be deemed to control JCF Associates III Ltd. and each entity directly or indirectly controlled by JCF Associates III Ltd.,
      including JCF III Europe Holdings L.P.</div>
    <div style="text-align: left; text-indent: 36pt; line-height: 11.4pt;">&#160;</div>
    <div style="text-align: left; text-indent: 36pt; line-height: 11.4pt;">The principal business address of each of the Reporting Persons is c/o J.C. Flowers &amp; Co. LLC, 767 Fifth Avenue,
      23<font style="font-size: 8pt;">rd</font> Floor, New York, New York 10153.</div>
    <div style="text-align: left; text-indent: 36pt; line-height: 11.4pt;">&#160;</div>
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        <tr>
          <td style="width: 7%; vertical-align: top;">
            <div style="line-height: 11.4pt; font-weight: bold;">Item&#160;2(d).</div>
          </td>
          <td style="width: 90%; vertical-align: top;">
            <div style="line-height: 11.4pt; font-weight: bold;">Title of Class of Securities:</div>
          </td>
        </tr>

    </table>
    <div style="text-align: left; text-indent: 36pt; line-height: 11.4pt; margin-top: 6pt;">Common Stock, par value $0.01 per share (the &#8220;Common Stock&#8221;).</div>
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        <tr>
          <td style="width: 7%; vertical-align: top;">
            <div style="line-height: 11.4pt; font-weight: bold;">&#160;</div>
            <div style="line-height: 11.4pt; font-weight: bold;">Item&#160;2(e).</div>
          </td>
          <td style="width: 90%; vertical-align: top;">
            <div style="line-height: 11.4pt; font-weight: bold;">&#160;</div>
            <div style="line-height: 11.4pt; font-weight: bold;">CUSIP Number:</div>
          </td>
        </tr>

    </table>
    <div style="text-align: left; text-indent: 36pt; line-height: 11.4pt; margin-top: 6pt;">292554102</div>
    <table cellspacing="0" cellpadding="0" border="0" id="ze0b43806c57a41969816f5772d0a1342" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

        <tr>
          <td style="width: 7%; vertical-align: top;">
            <div style="line-height: 11.4pt; font-weight: bold;">&#160;</div>
            <div style="line-height: 11.4pt; font-weight: bold;">Item&#160;3.</div>
          </td>
          <td style="width: 90%; vertical-align: top;">
            <div style="line-height: 11.4pt; font-weight: bold;">&#160;</div>
            <div style="line-height: 11.4pt; font-weight: bold;">If this statement is filed pursuant to Rule 13d-1(b), or 13d-2(b) or (c), check whether the person filing is
              a:</div>
          </td>
        </tr>

    </table>
    <div style="text-align: left; text-indent: 36pt; line-height: 11.4pt; margin-top: 6pt;">Not applicable.</div>
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        <tr>
          <td style="width: 7%; vertical-align: top;">
            <div style="line-height: 11.4pt; font-weight: bold;">&#160;</div>
            <div style="line-height: 11.4pt; font-weight: bold;">Item&#160;4.</div>
          </td>
          <td style="width: 90%; vertical-align: top;">
            <div style="line-height: 11.4pt; font-weight: bold;">&#160;</div>
            <div style="line-height: 11.4pt; font-weight: bold;">Ownership.</div>
            <div style="line-height: 11.4pt; font-weight: bold;">&#160;</div>
          </td>
        </tr>

    </table>
    <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt; font-weight: bold;">(a) Amount beneficially owned:</div>
    <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt; font-weight: bold;">&#160;</div>
    <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">Each of the Reporting Persons may be deemed to be the beneficial owner of the shares of Common Stock listed on such
      Reporting Person&#8217;s cover page.&#160; JCF III Europe Holdings L.P. directly holds 798,000 shares of Common Stock.</div>
    <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">&#160;</div>
    <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt; font-weight: bold;">(b) Percent of class:</div>
    <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt; font-weight: bold;">&#160;</div>
    <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;">Each of the Reporting Persons may be deemed to be the beneficial owner of the percentage of shares of Common Stock
      listed on such Reporting Person&#8217;s cover page.&#160; Calculations of the percentage of shares of Common Stock beneficially owned assume 31,058,771 shares of Common Stock outstanding as of October 30, 2019, as reported in the Quarterly Report on Form 10-Q
      filed by the Issuer with the Securities and Exchange Commission on November 6, 2019.</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt; font-weight: bold;">(c) Number of Shares as to which the Reporting Person has:</div>
    <div style="text-align: left; line-height: 10pt;">&#160;</div>
    <div style="text-align: left; margin-left: 72pt; line-height: 11.4pt;">(i)&#160;&#160;&#160;&#160;Sole power to vote or to direct the vote:</div>
    <div style="text-align: left; margin-left: 126pt; line-height: 11.4pt; margin-top: 6pt;">See each cover page hereof.</div>
    <div style="text-align: left; line-height: 10pt;">&#160;</div>
    <div style="text-align: left; margin-left: 72pt; line-height: 11.4pt;">(ii)&#160;&#160;&#160;Shared power to vote or to direct the vote:</div>
    <div style="text-align: left; margin-left: 126pt; line-height: 11.4pt; margin-top: 6pt;">See each cover page hereof.</div>
    <div style="text-align: left; line-height: 10pt;">&#160;</div>
    <div style="text-align: left; margin-left: 72pt; line-height: 11.4pt;">(iii)&#160;&#160;Sole power to dispose or to direct the disposition of:</div>
    <div style="text-align: left; margin-left: 126pt; line-height: 11.4pt; margin-top: 6pt;">See each cover page hereof.</div>
    <div style="text-align: left; line-height: 10pt;">&#160;</div>
    <div style="text-align: left; margin-left: 72pt; line-height: 11.4pt;">(iv)&#160;&#160;Shared power to dispose or to direct the disposition of:</div>
    <div style="text-align: left; margin-left: 126pt; line-height: 11.4pt; margin-top: 6pt;">See each cover page hereof.</div>
    <div style="text-align: left; line-height: 11.4pt;">&#160;</div>
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        <tr>
          <td style="width: 7%; vertical-align: top;">
            <div style="line-height: 11.4pt; font-weight: bold;">Item&#160;5.</div>
          </td>
          <td style="width: 90%; vertical-align: top;">
            <div style="line-height: 11.4pt; font-weight: bold;">Ownership of Five Percent or Less of a Class.</div>
          </td>
        </tr>

    </table>
    <div style="text-align: left; text-indent: 36pt; line-height: 11.4pt; margin-top: 6pt;">If this statement is being filed to report the fact that as of the date hereof the reporting person
      has ceased to be the beneficial owner of more than five percent of the class of securities, check the following:&#160;&#160;&#8999;</div>
    <div style="text-align: left; line-height: 11.4pt;">&#160;</div>
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        <tr>
          <td style="width: 7%; vertical-align: top;">
            <div style="line-height: 11.4pt; font-weight: bold;">Item&#160;6.</div>
          </td>
          <td style="width: 90%; vertical-align: top;">
            <div style="line-height: 11.4pt; font-weight: bold;">Ownership of More than Five Percent on Behalf of Another Person.</div>
          </td>
        </tr>

    </table>
    <div style="text-align: left; text-indent: 36pt; line-height: 11.4pt; margin-top: 6pt;">Not applicable.</div>
    <div style="text-align: left; margin-right: 0.75pt; margin-left: 0.75pt; line-height: 11.4pt;">&#160;</div>
    <table cellspacing="0" cellpadding="0" border="0" id="zb70aa689059e4b1788f53780871d99ca" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

        <tr>
          <td style="width: 7%; vertical-align: top;">
            <div style="line-height: 11.4pt; font-weight: bold;">Item&#160;7.</div>
          </td>
          <td style="width: 90%; vertical-align: top;">
            <div style="line-height: 11.4pt; font-weight: bold;">Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the
              Parent Holding Company.</div>
          </td>
        </tr>

    </table>
    <div style="text-align: left; text-indent: 36pt; line-height: 11.4pt; margin-top: 6pt;">Not applicable.</div>
    <div style="text-align: left; line-height: 11.4pt;">&#160;</div>
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        <tr>
          <td style="width: 7%; vertical-align: top;">
            <div style="line-height: 11.4pt; font-weight: bold;">Item&#160;8.</div>
          </td>
          <td style="width: 90%; vertical-align: top;">
            <div style="line-height: 11.4pt; font-weight: bold;">Identification and Classification of Members of the Group.</div>
          </td>
        </tr>

    </table>
    <div style="text-align: left; text-indent: 36pt; line-height: 11.4pt; margin-top: 6pt;">Not applicable.</div>
    <div style="text-align: left; line-height: 11.4pt;">&#160;</div>
    <table cellspacing="0" cellpadding="0" border="0" id="z3de889ad9cee4dc38aede5bb5611acb4" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

        <tr>
          <td style="width: 7%; vertical-align: top;">
            <div style="line-height: 11.4pt; font-weight: bold;">Item&#160;9.</div>
          </td>
          <td style="width: 90%; vertical-align: top;">
            <div style="line-height: 11.4pt; font-weight: bold;">Notice of Dissolution of Group.</div>
          </td>
        </tr>

    </table>
    <div style="text-align: left; text-indent: 36pt; line-height: 11.4pt; margin-top: 6pt;">Not applicable.</div>
    <div style="text-align: left; line-height: 11.4pt;">&#160;</div>
    <table cellspacing="0" cellpadding="0" border="0" id="z34c96c0710684f1ca33fb0f86b5050f2" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

        <tr>
          <td style="width: 7%; vertical-align: top;">
            <div style="line-height: 11.4pt; font-weight: bold;">Item&#160;10.</div>
          </td>
          <td style="width: 90%; vertical-align: top;">
            <div style="line-height: 11.4pt; font-weight: bold;">Certification.</div>
          </td>
        </tr>

    </table>
    <div style="text-align: left; text-indent: 36pt; line-height: 11.4pt; margin-top: 6pt;">By signing below I certify that, to the best of my knowledge and belief, the securities referred to
      above were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction
      having that purpose or effect, other than activities solely in connection with a nomination under &#167; 240.14a-11.</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
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        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-align: center; line-height: 11.4pt; font-weight: bold;">SIGNATURE</div>
    <div style="text-align: left; line-height: 11.4pt; margin-top: 12pt;">After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this
      statement is true, complete and correct.</div>
    <div style="text-align: left; line-height: 11.4pt; margin-top: 12pt;">Dated: February 14, 2020</div>
    <div style="text-align: left; line-height: 13.7pt;">&#160;</div>
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        <tr>
          <td style="width: 44.24%; vertical-align: top;">
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
          <td style="width: 55.76%; vertical-align: top;" colspan="2">
            <div style="line-height: 11.4pt;">JCF III EUROPE HOLDINGS L.P.</div>
          </td>
        </tr>
        <tr>
          <td style="width: 44.24%; vertical-align: top;">
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
          <td style="width: 6.72%; vertical-align: top;">
            <div style="line-height: 11.4pt;">By:</div>
          </td>
          <td style="width: 49.04%; vertical-align: bottom;">
            <div style="line-height: 11.4pt;">JCF Associates III L.P., its general partner</div>
          </td>
        </tr>
        <tr>
          <td style="width: 44.24%; vertical-align: top;">
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
          <td style="width: 6.72%; vertical-align: top;">
            <div style="line-height: 11.4pt;">By:</div>
          </td>
          <td style="width: 49.04%; vertical-align: bottom;">
            <div style="line-height: 11.4pt;">JCF Associates III Ltd., its general partner</div>
          </td>
        </tr>
        <tr>
          <td style="width: 44.24%; vertical-align: top;">
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
          <td style="width: 6.72%; vertical-align: middle;">
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
          <td style="width: 49.04%; vertical-align: middle;">
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 44.24%; vertical-align: top;">
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
          <td style="width: 6.72%; vertical-align: top;">
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          <td style="width: 44.24%; vertical-align: top;">&#160;</td>
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          <td style="width: 44.24%; vertical-align: top;">
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          <td style="width: 44.24%; vertical-align: top;">
            <div style="line-height: 11.4pt;">&#160;</div>
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          <td style="width: 6.72%; vertical-align: top;">
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          <td style="width: 44.24%; vertical-align: top;">
            <div style="line-height: 11.4pt;">&#160;</div>
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          <td style="width: 6.72%; vertical-align: top;">
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            <div style="line-height: 14.4pt;">
              <div style="line-height: 11.4pt;">/s/ J. Christopher Flowers</div>
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        <tr>
          <td style="width: 44.24%; vertical-align: top;">
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          <td style="width: 49.04%; vertical-align: bottom;">
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        <tr>
          <td style="width: 44.24%; vertical-align: top;">
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          <td style="width: 44.24%; vertical-align: top;">
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          <td style="width: 44.24%; vertical-align: top;">
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          <td style="width: 6.72%; vertical-align: top;">
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          <td style="width: 49.04%; vertical-align: bottom; border-bottom: 2px solid #000000;">
            <div style="line-height: 14.4pt;">
              <div style="line-height: 11.4pt;">/s/ J. Christopher Flowers&#160;</div>
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        <tr>
          <td style="width: 44.24%; vertical-align: top;">&#160;</td>
          <td style="width: 6.72%; vertical-align: top;">
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          <td style="width: 49.04%; vertical-align: bottom;">
            <div style="line-height: 11.4pt;">J. Christopher Flowers</div>
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        </tr>
        <tr>
          <td style="width: 44.24%; vertical-align: top;">
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          </td>
          <td style="width: 6.72%; vertical-align: top;">
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          <td style="width: 49.04%; vertical-align: bottom;">
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        <tr>
          <td style="width: 44.24%; vertical-align: top;">&#160;</td>
          <td style="width: 6.72%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 44.24%; vertical-align: top;">&#160;</td>
          <td style="width: 6.72%; vertical-align: top;">&#160;</td>
          <td style="width: 49.04%; vertical-align: bottom;">&#160;</td>
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          <td style="width: 44.24%; vertical-align: top;">
            <div style="line-height: 11.4pt;">&#160;</div>
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            <div style="line-height: 14.4pt;">
              <div style="line-height: 11.4pt;">/s/ J. Christopher Flowers</div>
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        </tr>
        <tr>
          <td style="width: 44.24%; vertical-align: top;">
            <div style="line-height: 11.4pt;">&#160;</div>
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          <td style="width: 55.76%; vertical-align: top;" colspan="2">
            <div style="line-height: 11.4pt;">J. Christopher Flowers</div>
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    <div style="text-align: left; line-height: 10pt;">&#160;</div>
    <div style="line-height: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="line-height: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="line-height: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="line-height: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="line-height: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="line-height: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="line-height: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="line-height: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="line-height: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="line-height: 12pt;"><br style="line-height: 12pt;">
    </div>
    <div style="text-align: center; line-height: 11.4pt;">[Encore Capital Group, Inc. - Schedule 13G/A]</div>
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</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
