PUBLIC OFFER

• Offer to subscribe for new Senior Secured EUR 2025/2030 Bonds (ISIN XS3047514446) with an issue price of 100% per bond and a fixed interest rate of 12% p.a.
• Total volume of up to EUR 175 million corresponds to up to 1,750,000 bonds denominated at EUR 100.00 each
• Subscription Period for Public Offer ends on 30 May 2025, 14:30 CEST / 15:30 EEST* (subject to early closing)
• Final interest rate and total volume of bonds to be issued will be announced on or around 30 May 2025

Tallinn, Estonia, 26 May 2025. IuteCredit Finance S.à r.l., a subsidiary of Iute Group, a leading European financial group, today tightened the interest rate for the public offering of its New Senior Secured EUR 2025/2030 Bonds. The New Senior Secured EUR 2025/2030 Bonds will be offered for subscription at an issue price of 100% per bond with a  fixed interest rate of 12% p.a.

Fitch Ratings has assigned Iute Group a Long-Term Issuer Default Rating (IDR) of B- (stable outlook) and an expected Senior Secured Debt Rating of B- for its new EUR bonds 2025/2030 (ISIN XS3047514446).

SUBSCRIPTION PROCESS

The Subscription Period* ends on 30 May 2025, 14:30 CEST / 15:30 EEST (subject to early closing).

*Collection deadline for subscription orders might differ depending on the investor’s chosen bank. Investors should contact their broker/custodian bank concerning the specific order collection deadline.

The settlement of the new EUR 2025/2030 Bonds and the transfer of the allocated bonds to the investors’ securities accounts are expected on or around 6 June 2025.

ADMISSION TO TRADING

The new EUR 2025/2030 Bonds are expected to be admitted to trading on the Regulated Market of the Frankfurt Stock Exchange (General Standard) and the Baltic Regulated Market of the Nasdaq Tallinn Stock Exchange on or around 9 June 2025 (previously on or around 6 June 2025).

INVESTOR PRESENTATIONS

CEO Tarmo Sild and CFO Kristel Kurvits presented the Subscription Offer via webcast/conference call. Recordings and presentations are published at: https://iute.com/investor/prospectus/.

All information and required documents regarding the subscription of the EUR 2025/2030 Bonds are available on the Company’s website at https://iute.com/investor/prospectus/.