International Personal Finance Plc (IPF3) 12% NT REDEEM 12/12/2027 GBP 100

What is happening?

International Personal Finance have announced their intention to conduct a Cash Offer for Individual Investors to purchase new units in the International Personal Finance 12% 2027 (IPF3) bond.

• Applications are due to close at 10am on Thursday 23 November. Due to the nature of the fundraising, applications can close at any time and without prior warning.

• Bonds are being offered at a fixed price of £100.

• The minimum application for the Cash Offer is £2000 with £100 increments thereafter.

• By applying for bonds in the Offer you are deemed to have read, understood and agreed to the Company Announcement, Prospectus and Final Terms. These documents can be found in the Secure Messaging Centre of your online account.

• Hargreaves Lansdown will receive 0.375% commission from the Issuer as part of the Offer.

What are my options?

Option 1 – Do Nothing. If you do not return an election by the deadline of 10am Thursday 23 November, the Offer will lapse.

Option 2 – You can choose to buy new bonds at £100. If you wish to submit an order outside of the product you currently hold your bonds, please leave a note in the comments section of the application.

When do I have to decide by?

Any instruction to participate in the Cash Offer must be received by 10am Thursday 23 November. If no instruction is received the Offer will lapse.

Before submitting an instruction, you should carefully read the Company Announcement, Prospectus and Final Terms which are attached to the Cash Offer notification. You can find this in the Secure Messaging Centre of your online account. By submitting an instruction, you are deemed to have read and understood these documents as well as agreed to any terms within.

What happens after I apply?

If you apply for shares you will receive two Secure Messages. The first will confirm your application and be sent shortly after 12pm on Thursday 23 November. The second will confirm how many bonds you have been allocated and be sent once the results have been announced on Friday 24 November.

You can view your application in the Pending Orders tab of your online account from Friday 24 November.

Your new bonds will be credited shortly before 8am on Tuesday 12 December. This may be delayed in the event the company does not deliver your bonds to us by this time.

To assist the Company during the allocation process, we may be required to disclose the number of International Personal Finance 12% 2027 (IPF3) units you hold with Hargreaves Lansdown. We will do this by calculating the units held in your Hargreaves Lansdown account at the time of the fundraising announcement.

It should be noted that a subscription for the new bonds and any investment in the Company carry a number of risks. Investors should make their own investigations into the merits of an investment in the Company. This message is not personal advice and is a summary of the International Personal Finance announcement.

If you require any assistance, please contact our Helpdesk on 0117 900 9000.