International Personal Finance plc - Roadshow Announcement

The information contained herein may only be released, published or distributed in the United Kingdom, the Isle of Man, Jersey and the Bailiwick of Guernsey in accordance with applicable regulatory requirements. The information contained herein is not for release, publication or distribution in or into the United States, Australia, Canada, Japan, South Africa, the Republic of Ireland or in any other jurisdiction where it is unlawful to distribute this document.

SEE "IMPORTANT INFORMATION" BELOW

7 November 2022

International Personal Finance plc

Roadshow Announcement

International Personal Finance plc, having a long-term issuer default rating of BB- (Outlook Stable) from Fitch Ratings Ltd and a long-term corporate family rating of (P)Ba3 (Outlook Stable) from Moody's Investors Service Limited, has mandated WH Ireland Limited to arrange a series of calls with sterling fixed income investors on 7, 8 and 9 November 2022. An issue of Sterling-denominated retail eligible fixed rate, senior unsecured notes may follow, subject to market conditions. All or part of these notes may be offered in exchange for International Personal Finance plc's existing £78,100,000 7.75 per cent. notes due 2023.

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International Personal Finance plc

IMPORTANT INFORMATION

The distribution of this announcement and other information in connection with any offer of securities and/or the solicitation of offers for securities in certain jurisdictions may be restricted by law and persons who come into possession of this announcement or any document or other information referred to herein should inform themselves about and observe any such restriction. Any failure to comply with these restrictions may constitute a violation of the securities laws of any jurisdiction.

This announcement does not constitute or form part of any offer or invitation to sell, or any solicitation of any offer to purchase any securities.

Any securities referred to herein will not be registered under the U.S. Securities Act of 1933 (the "Securities Act"). Subject to certain exceptions, such securities may not be offered, sold or delivered within the United States or to, or for the account or benefit of, U.S. persons. Any securities referred to herein would be offered and sold outside of the United States in reliance on Regulation S of the Securities Act. There will be no public offering in the United States.

This announcement does not constitute and shall not, in any circumstances, constitute a public offering nor an invitation to the public in connection with any offer within the meaning of Regulation (EU) 2017/1129 as it forms part of UK domestic law pursuant to the EUWA (the "UK Prospectus Regulation"). Any offer and sale of any securities will be made in compliance with the requirements of the UK Prospectus Regulation.

This announcement is directed only at persons (i) who have professional experience in matters relating to investments or (ii) who fall within Article 49 (2)(a) to (d) of The Financial Services and Markets Act 2000 (Financial Promotion) Order 2005 (the "Order") or (iii) to whom this announcement may lawfully be communicated pursuant to the Order (all such persons together being referred to as "relevant persons"). This announcement must not be acted on or relied on by persons who are not relevant persons. Any investment or investment activity to which this announcement relates is available only to relevant persons and will be engaged in only with relevant persons.

A credit rating is not a recommendation to buy, sell or hold any securities, and may be reduced or withdrawn by the assigning rating agency at any time.

Legal Entity Identifier: 213800II1O44IRKUZB5