Delfin Group

Capital/Financing Update • May 23, 2014

SIA ExpressCredit decreases bond nominal value for EUR 250 000

According to SIA ExpressCredit bond issue prospectus ISIN LV0000801280, as of 26/05/2014 nominal value of one security is going to be decreased by EUR 50. Total nominal value of bonds issue will be decreased for EUR 250 000. After settlement nominal value of one security (ISIN LV0000801280) will be EUR 900.

According to bond issue's prospectus ISIN LV0000801280, 5 000 bonds were issued with an original nominal value of 1 000 euros. Yearly interest rate of the coupon is 14% with a 5 year term and gradual repayment of the nominal value.

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SIA ExpressCredit is a licensed non-bank lending institution, which was founded in the 2009. SIA ExpressCredit operates 95 branches under the brand name Lombards24.lv in 38 largest Latvian cities and towns, offering loans against pledge of movable property (Lombard credits), loans without collateral, loan against vehicle collateral and mortgage loans. The Company has provided services to more than 200 thousand customers. The owners of SIA ExpressCredit are SIA Express Holdings (51%), SIA Ebility (24,5%) and SIA AE Consulting (24,5%). )

Contacts:

Kristaps Bergmanis

Tālrunis: +371 29144168

Fax: +371 67809194

E-mail: Kristaps.Bergmanis@expresscredit.lv