Kruk S.A.

Capital/Financing Update • Jun 25, 2025

Report Content Current Report No. 43/2025

Date: June 25th 2025

Subject: Execution of annex to syndicated revolving credit facilityagreement

Legal basis: Article 17(1) of MAR - Inside information

Text of the report:

Further to Current Report No. 35/2017 and Current Reports No. 43/2019,No. 40/2021, No. 54/2021, No. 47/2022, No. 20/2023, No. 63/2023, No.82/2023, No. 40/2024 and 51/2024 the Management Board of KRUK S.A. (the"Company") announces that the Company and its subsidiaries (jointly the"Borrowers") have executed an annex (the "Annex") to the revolvingmulti-currency credit facility agreement (the "Credit Facility") enteredinto with a syndicate of banks, which Agent is DNB Bank ASA.

The Annex provides for an increase in the Credit Facility limit, up toEUR 740m. Prior to the execution of the Annex, the amount availableunder the Credit Facility was EUR 650m.

At the same time, the amount of the surety provided for the liabilitiesarising under the Credit Facility and the declaration of submission toenforcement stands at approximately EUR 1,110million.

No other terms of the Credit Facility agreement have been materiallyamended.