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.

THIS ANNOUNCEMENT RELATES TO THE DISCLOSURE OF INFORMATION THAT QUALIFIED OR MAY HAVE QUALIFIED AS INSIDE INFORMATION WITHIN THE MEANING OF ARTICLE 7(1) OF THE MARKET ABUSE REGULATION (EU) 596/2014 AS IT FORMS PART OF UNITED KINGDOM DOMESTIC LAW BY VIRTUE OF THE EUROPEAN UNION (WITHDRAWAL) ACT 2018, AS AMENDED.

SEE "IMPORTANT INFORMATION" BELOW

7 December 2022

International Personal Finance PLC (the "Issuer")

Sterling bonds: Final Terms Confirmation and Results of Exchange Offer

Summary:

Commenting on this transaction, Gary Thompson, Chief Financial Officer, said: "We are pleased to have extended the maturity of over half of our sterling bonds a year ahead of maturity.  The transaction supports our growth ambitions, ensuring that we continue to play an important role in society by building a better world through financial inclusion. I would like to thank our existing noteholders who extended and welcome our new noteholders."

Further details are as follows:

This announcement constitutes the Final Terms Confirmation Announcement referred to in (i) the Final Terms dated 15 November 2022 relating to the proposed issue by the Issuer of sterling-denominated 12 per cent. notes due 2027 for cash (the "Cash Offer New Notes Final Terms" and such notes being the "Cash Offer New Notes"); and (ii) the Final Terms contained in pages 51 to 61 of the Exchange Offer Memorandum dated 15 November (the "Exchange New Notes Final Terms" and the "Exchange Offer Memorandum") relating to the proposed offer for exchange of the Issuer's outstanding sterling-denominated 7.75 per cent. notes due 2023 (ISIN: XS1998163148) (the "Existing 2023 Notes") for 12 per cent. notes due 2027 ("Exchange New Notes").

This announcement also hereby announces the results of the Exchange Offer referred to in the Exchange Offer Memorandum. This announcement must be read in conjunction with, and as applicable, the Prospectus, the Supplementary Prospectus, the Exchange Offer Memorandum (including the Exchange New Notes Final Terms) and the Cash Offer New Notes Final Terms (in all cases as defined above or below).

The Prospectus, the Supplementary Prospectus, the Exchange Offer Memorandum (including the Exchange New Notes Final Terms) are available for viewing on the website of Kroll Issuer Services Limited (https://deals.is.kroll.com/ipfin). The Cash Offer New Notes Final Terms are available for viewing on the Issuer's website (https://www.ipfin.co.uk/en/investors/debt-funding-information.html).

The Offer Period relating to (i) the offer of Exchange New Notes, and (ii) the offer of Cash Offer New Notes, expired at 12 noon (London time) on 6 December 2022 and accordingly the Exchange New Notes and the Cash Offer New Notes (together, the "Notes") can no longer be subscribed for nor be obtained by way of application for exchange. Accordingly, this announcement is not an offer to subscribe, tender, sell or exchange any securities.

The Exchange New Notes and the Cash Offer New Notes to be issued will be consolidated and form a single series on 12 December 2022 (being the issue date), with ISIN XS2551486058 and Common Code 255148605.

The Issuer confirms the following for the purposes of this announcement:

In relation to the Exchange Offer, the aggregate nominal amount of Existing 2023 Notes accepted for exchange by the Issuer is £37,605,200. Accordingly, the aggregate nominal amount of Existing 2023 Notes outstanding after the Exchange Offer will be £40,494,800.

- ENDS -

For further information, please contact:

International Personal Finance plc

IMPORTANT INFORMATION

This announcement is released by International Personal Finance PLC and contains information that qualified or may have qualified as inside information for the purposes of Article 7 of Regulation (EU) 596/2014 as it forms part of UK domestic law pursuant to the European Union (Withdrawal) Act 2018, as amended ("EUWA") ("UK MAR"), encompassing information relating to an exchange offer, as described above. For the purposes of UK MAR, this announcement is made by Tom Crane for International Personal Finance plc.

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. 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 (the "EU Prospectus Regulation") as it forms part of UK domestic law by virtue of the European Union (Withdrawal) Act 2018, as amended (the "UK Prospectus Regulation"). Any offer and sale of any securities will be made in compliance with the requirements of the UK Prospectus Regulation.

Any securities referred to herein will not be registered under the U.S. Securities Act of 1933, as amended (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.

Legal Entity Identifier: 213800II1O44IRKUZB59