Fabrity Holding S.A

Earnings Release • Dec 4, 2018

The estimated operational and sales data ofsubsidiaries Aforti Finance S.A., Aforti Exchange S.A., Aforti ExchangeRomania S.A., Aforti Collections S.A. and Aforti Factor S.A. - November2018

The board of Aforti Holding S.A. ("the Company", "theIssuer") headquartered in Warsaw hereby announces to the public theestimated operational and sales results of Aforti Finance S.A., AfortiExchange S.A., Aforti Exchange Romania S.A., Aforti Collections S.A. andAforti Factor S.A. the Issuer's subsidiaries for November 2018

1) The estimated operational and sales results ofAforti Finance S.A. for November 2018:

In November 2018 Aforti Finance S.A. granted 45 loans(decrease by 11.76%) with a total value of PLN 4 657.74 thousand, whichis an decrease by 5.83% compared to the same month of 2017.

The value of submitted applications amounted to PLN37 509.53 thousand and that is a result higher by 64.95% compared to thesame period of the previous year. In November 2018, there were filed 321loan applications, an increase of 33.20% compared to the same month of2017.

Cumulatively, after eleven months of 2018, AfortiFinance SA granted 539 loans (25.35% more YoY) with total value PLN 54680.43 thousand and it is an increase by 66.09% compared to 2017. In theperiod from January to the end of November 2018, there were filed 3584loan applications with total value PLN 448 955.57 thousand. The quantityof the loans rose up by 70.34% and their total value by 169.21% inrelation to the same period in the previous year.

2) The estimated operational and sales results ofAforti Exchange S.A. for November 2018:

The currency exchange platform's turnover in November2018 reached EUR 29 562.96 thousand and was higher by 249.58% comparedto the same period of the previous year. At the same time, after elevenmonths of the current year, the turnover reached the level of EUR 235939.10 thousand, an increase of 206,51% year-on-year.

3) The estimated operational and sales results ofAforti Exchange Romania S.A. for November 2018 :

The value of trading on the currency exchangeplatform in Romania in November 2018 amounted to EUR 10 340.59 thousandand in comparison to the same month in the previous year was higher by49496957,51%.

At the end of November 2018, Aforti Exchange RomaniaS.A. recorded EUR 57 799.73 thousand EUR of the total turnover value.This value increased compared to the previous year by 2778251.51%.

4) The total estimated operational and sales data ofAforti Exchange for November 2018:

The total value of trading on the currency exchangeplatforms of Aforti Exchange operated in Poland and in Romania inNovember 2018 amounted to EUR 39 903.55 thousand, which in comparison tothe same period in the previous year means an increase of 371.75%.

At the same time, cumulatively after the elevenmonths of this year the total value of turnover reached the level of EUR293 738.83 thousand and it increased year-on-year by 281.59%

5) The estimated operational and sales results ofAforti Collections S.A. for November 2018:

Nominal value of debt collection commissions onNovember 2018 reached PLN 3 745.40 thousand. This is a increase of71.80% YoY. The number of recovery orders amounted to 1628 and washigher by 363.82% compared to November 2017. The company concluded 5contracts in the indicated month, less by six than in the previous year.

Cumulatively, at the end of November 2018, thenominal value of the debt collection orders amounted to PLN 16 498.83thousand, which is a decline of 29.02% year-on-year. The number oforders also decreased by 73.36% from 17 118 to 4 561. At the same time,the number of debt recovery agreements concluded after the eleven monthsof this year, decreased by 49.64% to 69.

6) The estimated operational and sales results ofLifeBelt Sp. z o.o. for November 2018:

In November 2018, the nominal value of LifeBelt debtcollection orders amounted to PLN 28 204.17 thousand and their numberwas equal to 6353. In addition, in November this year the company signed3 new debt collection contracts.

In the period from January to the end of November2018, the nominal value of the debt collection orders in the company'sportfolio reached the level of PLN 387 079.93 thousand. The number ofcollections was 83 460. In the indicated period, 6 new debt collectioncontracts were obtained.

The comparative data for the previous year are notavailable due to the fact that the company was not part of the AfortiGroup.

7) The estimated total operational and sales data ofAforti Collections S.A. and LifeBelt sp. o.o. for November 2018:

The total nominal value of the orders of AfortiCollections SA and LifeBelt sp. o.o. in November 2018 amounted to PLN 31949.57 thousand and was higher by 1365.54% than in the correspondingperiod of the previous year. The total number of debt collection orderswas equal to 7981 (increase by 2173.79%). In November, both companiesconcluded a total of 8 new debt collection agreements.

From the beginning of 2018 to the end of November,the total nominal value of debt collection orders reached PLN 403 578.76thousand, which means an increase of 1636.33% year-on-year. At the sametime, the total number of collection orders amounted to 88 021 (increaseby 414.20%). In the indicated period, the companies concluded a total of75 debt collection agreements.

The comparative data for 2017 do not include thefinancial data of LifeBelt sp. o.o. due to the fact that this companydid not belong to the Aforti Group in that time.

8) The estimated operational and sales results ofAforti Factor S.A. for November 2018:

In November 2018 the value of receivables financed byAforti Factor S.A. amounted to PLN 4 670.95 thousand. Further, at theend of November 2018 this value reached level of PLN25147.68 thousand.

The date comparative are not available because theCompany had started its operating activities from January 2018.

A table containing estimated additional data,reported for November 2018 together with the comparative data, can befound in an annex to the current report.

Legal basis: Article 17 paragraph 1 of the MAR -confidential information