Regarding concluded pledge agreement

According to the report of September 8th, 2025 "NEO Finance, AB has completed the second tranche of bond issuance", by which the successful completion of the placement of the second part of the bond issue was published, by issuing the second bond tranche in the amount of EUR 1,190,000, the Company concluded the following arrangement:

• On 19 September 2025, the Company and the investors in the bonds who acquired the bonds issued by the Company, represented by UAB "Iflas" which, in accordance with the powers granted to it under the Bondholders' Interest Protection Agreement, acts in the name and for the benefit of the investors in the bonds, concluded maximum pledge agreement. With the pledge agreement, the Company ensured the proper and timely filfilment of all its obligations to investors which invested in the bonds. The company pledge its property rights, i.e. the claim rights of EUR 1,487,500 on receivables arising from consumer credits granted by the Company to third parties, which amount to 125% (one hundred twenty-five percents) of the nominal value of the issued bonds.

Head of Administration

Juozas Kaminskas

Email: juozas.kaminskas@neofinance.com