Delfin Group

Capital/Financing Update • Nov 27, 2017

SIA ExpressCredit decreases bond nominal value for EUR 250 000

According to SIA ExpressCredit bond issue prospectus ISIN LV0000801280, as of 27/11/2017 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 200.

According to bond issues 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 consumer lending company founded in 2009. The Group is represented by the brands "Banknote", "MoneyMetro" and "Riga City Pawnshop". The Group's core services are consumer loans, pawn broking loans and money transfers in partnership with Western Union. In total, the Group operates in 39 Latvian cities and populated areas, a total of 93 branches, employs 279 professionals and has paid 2.3 million euros in taxes for the year 2016. SIA ExpressCredit is a member of LAFPA and LTRK.

Kristaps Bergmanis

Phone: +371 29144168

Fax: +371 67809194

E-mail address: kristaps.bergmanis@banknote.lv