Creditas successfully prices new USD senior unsecured bonds, announces results from buy-back offer and calls for early redemption of its outstanding USD senior unsecured bonds 2023/2026

NOT FOR DISTRIBUTION, DIRECTLY OR INDIRECTLY, IN OR INTO OR TO ANY PERSON LOCATED OR RESIDENT IN THE UNITED STATES, ITS TERRITORIES AND POSSESSIONS, OR FOR THE ACCOUNT OR BENEFIT OF, U.S. PERSONS (AS DEFINED IN REGULATION S UNDER THE U.S. SECURITIES ACT OF 1933) OR IN OR INTO ANY OTHER JURISDICTION WHERE SUCH DISTRIBUTION WOULD BE PROHIBITED BY APPLICABLE LAW

Creditas Financial Solutions, Ltd. (“Creditas”) has successfully priced subsequent bonds in a total nominal amount of USD 27.50 million (the “New Bonds”) under the same framework as its existing senior unsecured fixed rate bonds 2025/2029 (ISIN: NO0013659136). Creditas also announces the results of the buy-back offer, as announced by way of a separate press release on 25 June 2026, to the holders of Creditas’ existing 2023/2026 bonds (ISIN: NO0013024950) (the “2023/2026 Bonds”), with an outstanding nominal amount, net of Creditas’ own holding position, of USD 15 million (the “Buy-Back”).

The New Bonds will be issued at a price of 98.50 per cent. of the nominal amount, have a fixed rate coupon of 10.50 per cent. per annum and final maturity on 28 April 2029. Creditas has accepted to buy back the 2023/2026 Bonds in an aggregate nominal amount of USD 4 million (plus accrued and unpaid interest to the settlement date for the Buy-Back).

The proceeds from the New Bonds will be used to finance the Buy-Back, a full refinancing of the outstanding 2023/2026 Bonds and to finance general corporate purposes of Creditas and its subsidiaries. Settlement for the issue of the New Bonds and the Buy-Back is expected to occur on 14 July 2026.

In accordance with Creditas’ press release on 25 June 2026, Creditas will call for early redemption of all of Creditas’ 2023/2026 Bonds not repurchased in the Buy-Back, conditional upon settlement of the New Bonds (the “Early Redemption”). Provided that the condition for the Early Redemption is met, the 2023/2026 Bonds will be redeemed on 22 July 2026 (the “Redemption Date”) at the redemption price of 101.30 per cent. of the nominal amount together with accrued but unpaid interest up to (but excluding) the Redemption Date (the “Redemption Price”). The Redemption Price will be paid to each person who is registered as owner of 2023/2026 Bonds in the debt register maintained by Verdipapirsentralen ASA at the end of business on 20 July 2026. In connection with the Early Redemption, the 2023/2026 Bonds will be de-listed from Nasdaq Stockholm. A notice of the Early Redemption will be sent to the holders directly registered in the debt register as owners of the 2023/2026 Bonds.

Creditas intends to apply for admission to trading of the New Bonds on the corporate bond list of Nasdaq Stockholm.

Pareto Securities has acted as sole bookrunner in the transaction. White & Case has acted as legal advisor to Creditas and Gernandt & Danielsson has acted as legal advisor to Pareto Securities.

For further information, please contact:

Creditas:

Sergio Furio / Erica Stols

CEO / VP of DCM and Treasury
E-mail: dcm@creditas.com

The information was submitted for publication, through the agency of the contact person set out above, at 20:45 CEST on 7 July 2026.

The securities referred to herein may not be sold in the United States absent registration or an exemption from registration under the U.S. Securities Act of 1933, as amended. Creditas does not intend to register any of the securities in the United States or to conduct a public offering of the securities in the United States.

This announcement is neither an offer to purchase nor the solicitation of an offer to sell any of the securities described herein (including the New Bonds), nor shall there be any offer or sale of such securities in any jurisdiction in which such offer, solicitation or sale would be unlawful.