Please read carefully the following important information about the assumptions regarding access to this website and the use of materials and information that are posted on it. The laws of some countries outside the Republic of Poland may restrict access to the information contained on this website. Please note that the material information presented below may be subject to change or update. Consequently, you should read and analyse them in their entirety each time you visit this website.

THE MATERIALS AND INFORMATION ON THIS WEBSITE ARE NOT, MAY NOT BE TRANSFERRED TO, AND ARE NOT INTENDED FOR DISTRIBUTION, ANNOUNCEMENT, PUBLICATION OR DISTRIBUTION, DIRECTLY OR INDIRECTLY, IN WHOLE OR IN PART, IN THE UNITED STATES OF AMERICA, CANADA, JAPAN, AUSTRALIA OR ANY OTHER JURISDICTION IN WHICH TO DO SO WOULD CONSTITUTE A VIOLATION OF APPLICABLE LAW OR REQUIRE REGISTRATION. APPLICATION OR AUTHORISATION IN SUCH JURISDICTION.

The materials and information published on this website relate to or are related to the bond issue programme (the “Programme“) established by Olivia Fin spółka z ograniczoną odpowiedzialnością S.K.A. with its registered office in Gdańsk (the “Company”).”). Under the Programme, the Company may issue secured ordinary bearer bonds with a total nominal value not exceeding PLN 150,000,000 or the equivalent of this amount expressed in EUR (“Bonds”). The number of Bonds issued under a given issue, the currency of issue, the nominal value and issue price of one Bond of a given series, the terms of the offer and the dates of opening and closing the subscription will be indicated in each case in the final terms and conditions of the issue of a given series of Bonds (“Final Terms of Issue of a given series”). The Prospectus has also been prepared in connection with the intention to apply for the introduction of the Bonds to trading in the alternative trading system operated by the Warsaw Stock Exchange (“WSE”) (Catalyst) (the “Admission”). The Bonds will be offered in series, as part of recurring issues and offered on the terms and in accordance with the terms and conditions described in the base prospectus (“Prospectus“) and the Final Terms and Conditions of the Bond series (the “Offering“).

The Prospectus, together with any supplements to the Prospectus and update communications to the Prospectus (after their preparation and approval – in the case of supplements or preparation and publication in the case of announcements, respectively), has been published and will be available in electronic form on this Company website during its validity period.

In addition to the above, this website may publish information that is promotional in nature and is used for the purposes of the Program, Offer and Admission, or may constitute information provided by the Company to the public as part of the Company’s compliance with its information obligations under applicable laws and regulations.

The Prospectus, together with the Final Terms and Conditions of the Issue of a given series, is the only legally binding offering document containing, for the purposes of the Programme, the Offering and the Admission, information about the Company, the Bonds and the Offering.

The materials on this website do not constitute an offer to sell securities in the United States of America, Canada, Japan, Australia or any other jurisdiction in which such offer would constitute a violation of applicable law or would require registration, filing or authorization. Securities may not be sold in the United States unless they have been registered with the U.S. Securities and Exchange Commission. United States Securities and Exchange Commission

) or are not exempt from registration under the relevant provisions of the U.S. Securities Act of 1933, as amended ( the “U.S. Securities

Act“”). The Company’s securities have not been and will not be registered under the U.S. Securities Act and may not be offered or sold in the United States of America.

Neither the Prospectus nor the Final Terms and Conditions of a given series or the Company’s securities covered by them have been and will not be the subject of registration, approval or notification in any country outside the Republic of Poland, in particular in accordance with Regulation (EU) 2017/1129 of the European Parliament and of the Council of 14 June 2017. on the prospectus to be published in connection with the public offering of securities or their admission to trading on a regulated market and repealing Directive 2003/71/EC and the laws issued on its basis, and may not be offered outside the Republic of Poland (including other European Union countries, the United States of America, Canada, Japan and Australia), unless such an offer could be made lawfully in the relevant country without the Company and its advisers having to comply with any additional legal requirements in connection with the Program or the Offering. Each investor residing or having its registered office outside the Republic of Poland should familiarize themselves with the relevant provisions of Polish law and regulations of other countries that may apply to them in connection with participation in the Program or the Offering.

PLEASE BE ADVISED THAT THE MATERIALS AND INFORMATION TO WHICH YOU WILL GAIN ACCESS AND USE THEREOF: (I) ARE SUBJECT TO THE TERMS AND CONDITIONS DESCRIBED ABOVE, (II) ARE INTENDED FOR PERSONS/ENTITIES LOCATED IN AND ACCESSING THIS WEBSITE FROM THE TERRITORY OF POLAND, (III) IS NOT DIRECTED AT PERSONS DEFINED AS “U.S. PERSON

” AND TO PERSONS/ENTITIES ACTING ON BEHALF OF OR FOR PERSONS DEFINED AS “U.S. PERSON”

AS DEFINED IN REGULATION S (S). REGULATION S

) UNDER THE U.S. SECURITIES ACT, (IV) IS NOT DIRECTED AT PERSONS/ENTITIES DOMICILED OR ESTABLISHED IN CANADA, JAPAN, AUSTRALIA OR ANY OTHER JURISDICTION WHERE ACCESS TO THE MATERIALS AND INFORMATION CONTAINED ON THIS WEBSITE WOULD CONSTITUTE A VIOLATION OF APPLICABLE LAWS OF SUCH SITE OR WOULD REQUIRE REGISTRATION, FILING OR AUTHORIZATION IN SUCH JURISDICTION.

The information contained in the materials and information on this website is not exhaustive. Although the information has been compiled with due care, not all information may be accurate and up-to-date in all respects. The Company, its advisors, investment firms or entities accepting subscriptions for the Bonds are not responsible for updating the information posted on the website. All information is provided without any assurance or guarantee and no representations or warranties are made with respect to this information. Certain information contained in the materials and information on this website is historical in nature and may be out of date. All information of a historical nature should be assumed to relate to the period in which it was published or to which it relates and for which it was marked.

Forward-looking statements relate to known and unknown matters subject to risks and uncertainties or other important factors that could cause the actual results, achievements and development of the Company or its group to differ materially from those anticipated or implied by these statements. The Company is under no obligation to publicly update or verify any forward-looking statements contained in the materials and information. The materials and information on this website are current as of the date they are posted on the website and some of them may be changed without prior notice, and may be incomplete or abbreviated.

Please note that viewing and accessing these materials in violation of the terms and conditions set forth above may constitute a violation of the laws governing trading in securities, in particular in Poland and the United States of America.

It is assumed that by clicking the “NEXT” button you make the following statement:

I REPRESENT AND WARRANT THAT THE FOREGOING TERMS AND CONDITIONS ARE UNDERSTANDABLE TO ME, AND THAT I MEET THE CRITERIA FOR ACCESS TO THE INFORMATION CONTAINED ON THIS WEBSITE, AND THAT I AM NOT A RESIDENT OF, OR LOCATED IN, THE UNITED STATES OF AMERICA, AUSTRALIA, CANADA, JAPAN OR ANY OTHER JURISDICTION IN WHICH THE PROVISION OF INFORMATION CONTAINED ON THIS WEBSITE OR ON SUBSEQUENT WEBSITES WOULD CONSTITUTE A VIOLATION OF APPLICABLE LAW, OR I AM OUTSIDE THE UNITED STATES OF AMERICA, CANADA, JAPAN, AUSTRALIA, EUROPEAN UNION MEMBER STATES OTHER THAN POLAND, AND I AM A RESIDENT OF POLAND WITH A PHYSICAL PRESENCE IN POLAND. I REPRESENT AND AGREE THAT I WILL NOT TRANSMIT OR OTHERWISE TRANSMIT (IN ANY FORM) ANY MATERIAL TO ANYONE LOCATED IN THE UNITED STATES OF AMERICA, AUSTRALIA, CANADA, JAPAN OR ANY OTHER JURISDICTION WHERE THE PROVISION OF THE MATERIAL WOULD VIOLATE APPLICABLE LAW OR REQUIRE REGISTRATION. I REPRESENT AND WARRANT THAT I UNDERSTAND THAT MY BREACH OF THESE TERMS AND CONDITIONS MAY MEAN THAT I AM IN BREACH OF APPLICABLE LAWS RIGHTS.

The offer is not directed to Russian or Belarusian citizens or natural persons residing in Russia or Belarus or to any legal entity or other organizational unit established in Russia or Belarus or other entities subject to restrictions on offering under national and EU regulations