TERMS & CONDITIONS
| Issuer | AS “mogo” (Latvia) |
| Security type | Bonds with Group guarantee |
| Guarantors | Mogo Finance S.A guarantee |
| Issue size | EUR 30 000 000 |
| Coupon rate | 11% |
| Coupon frequency | Monthly |
| Rollover premium | 2% for current bondholders |
| Premium for new bondholders | 0.5% for order size between EUR 25 000 and EUR 99 000 1% for order size between EUR 100 000 and EUR 200 000 2% for order size above EUR 200 000 |
| Term | 3 years (bullet) |
| Call Option | @101% every month |
| Nominal value | EUR 1 000 |
| Listing | Nasdaq Baltic regulated market |
| Use of proceeds | Refinancing |
| Covenants | Consolidated Group basis: • Interest coverage ratio at least 1.25x • Capitalization ratio at least 15% (starting September 30, 2021) |
| Arranger | Signet Bank AS |