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Private Placement of up to EUR 140 Million Subject to Market Conditions

Tallinn, Estonia, 12 May 2026.

Iute Group, a leading European personal finance group and issuer in the European high-yield bond market, has mandated DNB Carnegie as Global Coordinator and Joint Bookrunner, and Gottex Brokers and Signet Bank as Joint Bookrunners, and Bankhaus Scheich Wertpapierspezialist as Sales Agent, to arrange a series of fixed income investor meetings commencing on Thursday, 14 May 2026. Aalto Capital (Germany) acts as Financial Advisor to Iute Group.

Subject to, inter alia, market conditions, a tap issue of up to EUR 140 million of the Company’s existing senior secured bonds with maturity in December 2030 (IUTECR 12% 2030, ISIN: XS3047514446, 160 EUR million outstanding) may follow.

The contemplated transaction is expected to be offered through a private placement to institutional investors and is intended to further strengthen Iute Group’s presence in the European high-yield market. Proceeds from the contemplated tap issue, which is intended to increase the total outstanding volume of Iute Group’s existing EUR 2025/2030 Bonds bearing interest at 12% to up to EUR 300 million, are expected to support the further optimization of Iute Group’s capital structure through the refinancing of existing liabilities as well as for general corporate purposes, including the continued growth of the Group’s loan portfolio and other business operations.

Tarmo Sild, CEO of Iute Group: “The planned transaction represents the next step in the continued development of Iute Group’s international capital markets activities. Over recent years, we have established a strong and diversified investor base across Europe and further strengthened our position as a recurring bond issuer. The contemplated tap issue would further enhance our financial flexibility and support the continued growth of our business and loan portfolio.”

Iute Group currently holds a Long-Term Issuer Default Rating (IDR) of B- with Stable Outlook from Fitch Ratings as well as a B- Senior Secured Debt Rating for its outstanding EUR 2025/2030 Bonds (ISIN: XS3047514446).

The additional EUR 2025/2030 Bonds are to be included in the existing listings on the Regulated Market of the Frankfurt Stock Exchange (General Standard) and on the Baltic Regulated Market of the Nasdaq Tallinn Stock Exchange.