In order to further diversify the company’s funding structure and to refinance existing notes LV0000802536, on 1 November 2023, AS DelfinGroup submitted documents to Nasdaq CSD to register new unsecured notes issue with the following characteristics:

Notes issue will be structured as a private placement with EUR 100,000 minimum investment.

See Issue Terms attached.

Offer to existing investors.

From 3 November to 21 November, 2023, noteholders of LV0000802536 notes with maturity 25 November 2023 who wish to continue investing in AS DelfinGroup notes are offered the opportunity to exchange their existing LV0000802536 notes for new ones by receiving a 1% fee, which will be paid out within ten working days after the end of the exchange offer. Noteholders of LV0000802536 notes shall receive information from their custodians with instructions on the exchange event.

Noteholders holding LV0000802536 notes for at least EUR 100,000 are eligible for exchange offer.

Exchange offer and new notes issue are arranged by Signet Bank AS.

For any questions please contact:

Signet Bank AS

+371 6708 1058, invest@signetbank.com

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About DelfinGroup

DelfinGroup is a licenced fintech company established in 2009 and operates under the brand names Banknote and VIZIA. The company has been profitable every year since 2010. DelfinGroup continuously develops and offers consumer and pawn loans, loans developed for senior citizens, Buy now pay later loans (BNPL loans), and the sale of pre-owned goods online and at more than 90 branches across Latvia. Since 2014, DelfinGroup has been known on the Nasdaq Riga Stock Exchange as a bond issuer and, since 2021, as a listed company on the Baltic Main List. The company regularly pays dividends to its shareholders. The sustainability of DelfinGroup is based on focused corporate governance, fintech innovation, responsible lending, financial inclusion, and facilitating the circular economy.

         For further information, please contact:
         Aldis Umblejs,
         DelfinGroup Chief Financial Officer
         Phone: +371 26189988
         E-mail: IR@delfingroup.lv