Creditas considers issuance of new USD senior unsecured bonds, and a full or partial buy-back offer for its outstanding USD senior unsecured bonds 2023/2026 and 2024/2028

NOT FOR DISTRIBUTION, DIRECTLY OR INDIRECTLY, IN OR INTO OR TO ANY PERSON LOCATED OR RESIDENT IN THE UNITED STATES, ITS TERRITORIES AND POSSESSIONS, OR FOR THE ACCOUNT OR BENEFIT OF, U.S. PERSONS (AS DEFINED IN REGULATION S UNDER THE U.S. SECURITIES ACT OF 1933) OR IN OR INTO ANY OTHER JURISDICTION WHERE SUCH DISTRIBUTION WOULD BE PROHIBITED BY APPLICABLE LAW

As announced on 22 September 2025, Creditas Financial Solutions, Ltd. (“Creditas” or the “Company”) has mandated Pareto Securities AB to arrange a series of credit investor meetings. In order to support the Company’s growth, Creditas is considering, subject inter alia to market conditions, the issuance of new 3.5-year senior unsecured fixed rate bonds in an expected total nominal amount of USD 50-60 million within a framework of USD 150 million (the “New Bonds”). Following investor demand, Creditas will also offer, at the Company’s discretion, a full or partial buy-back offer for its existing 2023/2026 bond with an outstanding nominal amount, net of the Company’s own holding position, of USD 17.5 million (the “Existing 2026 Bonds”) and a partial buy-back of up to 20 million of its existing 2024/2028 bond (the “Existing 2028 Bonds”) (together the “Buy-Backs”).

The proceeds from the New Bonds shall be used to finance general corporate purposes of the Group and the Buy-Backs.

The purchase price for the Buy-Backs will be at par value or such other price agreed in the bookbuilding process. The Buy-Backs will be undertaken at the sole discretion of the Company, and are conditional upon the successful issue of the New Bonds and subject to the terms presented to potential investors in the term sheet for the New Bonds. Holders of Existing Bonds who subscribe for and are allocated New Bonds will be offered priority in the Buy-Back allocation. Investors interested in participating in either of the Buy-Backs should contact Pareto Securities via the contact details below.

For further information, please contact:

Creditas:

Sergio Furio / Erica Stols

CEO / VP of Treasury and DCM

E-mail: dcm@creditas.com

Pareto Securities:

Ole Sebastian Rolland

DCM Syndicate

Phone: +47 22 87 88 10

E-mail: olesebastian.rolland@paretosec.com

The securities referred to herein may not be sold in the United States absent registration or an exemption from registration under the U.S. Securities Act of 1933, as amended. Creditas does not intend to register any of the securities in the United States or to conduct a public offering of the securities in the United States.

This announcement is neither an offer to purchase nor the solicitation of an offer to sell any of the securities described herein (including the New Bonds), nor shall there be any offer or sale of such securities in any jurisdiction in which such offer, solicitation or sale would be unlawful.