Creditas considers issuance of new USD senior unsecured bonds and partial buy-back offer in outstanding USD senior unsecured bonds 2023/2026

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

Creditas considers issuance of new USD senior unsecured bonds and partial buy-back offer in outstanding USD senior unsecured bonds 2023/2026

Creditas Financial Solutions, Ltd. (“Creditas” or the “Company”) has mandated Pareto Securities AB to arrange a series of credit investor meetings commencing on 25 November 2024. 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 approximately USD 60 million within a framework of USD 150 million (the “New Bonds”) coupled with a partial buy-back offer in its existing bond issue with ISIN: NO0013024950 (the “Existing Bonds”) in an expected total aggregate nominal amount of approximately USD 20 million out of the outstanding nominal amount of the Existing Bonds of USD 40 million (the “Buy-Back”).

Any excess proceeds from the New Bonds which are not applied in financing the Buy-Back shall be used to finance general corporate purposes.

The purchase price for the Buy-Back will be around 106% of the nominal amount of the Existing Bonds (plus accrued and unpaid interest to the date of the repurchase), subject to a bookbuilding process and will be the same for all investors participating in the Buy-Back. The Buy-Back is conditional upon a 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 the Buy-Back should contact Pareto Securities via the contact details below.

For further information, please contact:

Creditas:

Sergio Furio/ Marilia Pozzi Loverso

CEO / Director of 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

This press release contains information that Creditas Financial Solutions Ltd. is obliged to make public pursuant to the EU Market Abuse Regulation (596/2014/EU). The information was submitted for publication, through the agency of the contact person set out above, at 22:30 CET on 24 November 2024.

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.