By reading or reviewing the information presented on this website, you agree to be bound by the following limitations.

The information provided on this website has been prepared by Mulhacen Pte. Ltd. (the “Issuer”) solely for informational purposes and presents financial and operating information of WiZink Bank, S.A. and its subsidiaries. By reading or reviewing the information that follows, you will be deemed to have agreed to all of the restrictions that apply with regard to such information and acknowledged that you understand the legal and regulatory sanctions attached to the misuse, disclosure or improper circulation of this information.

The Issuer may have included certain non-IFRS financial measures (including for WiZink Bank, S.A. and its subsidiaries) in the information herein, including Pro Forma Distributable Adjusted Normalized Cash Net Income, Pro Forma Adjusted Normalized Cash Net Income, Normalized Cash Net Income, Gross charge-off ratio, cost of credit and certain other financial measures and ratios. These measurements may not be comparable to those of other companies and may be calculated differently from similar measurements under the indenture governing the Issuer’s Senior Secured PIK Toggle Notes due 2023 (the “Notes”). Reference to these non-IFRS financial measures should be considered in addition to IFRS financial measures, but should not be considered a substitute for results that are presented in accordance with IFRS.

Certain information contained on this website has not been subject to any independent audit or review. A significant portion of the information contained herein, including all market data and trend information, is based on estimates or expectations and there can be no assurance that these estimates or expectations are or will prove to be accurate. Our internal estimates have not been verified by an external expert, and we cannot guarantee that a third party using different methods to assemble, analyse or compute market information and data would obtain or generate the same results. We have not verified the accuracy of such information, data or predictions contained herein that were taken or derived from industry publications, public documents of our competitors or other external sources. Further, our competitors may define our and their markets differently than we do. In addition, past performance of the Issuer or WiZink Bank, S.A. and its subsidiaries is not indicative of future performance. Future performance will depend on numerous factors which are subject to uncertainty.

Certain statements contained herein that are not statements of historical fact, including, without limitation, any statements preceded by, followed by or including the words “targets,” “believes,” “expects,” “aims,” “intends,” “may,” “anticipates,” “would,” “could” or similar expressions or the negative thereof, constitute forward-looking statements, notwithstanding that such statements are not specifically identified. In addition, certain statements may be contained in press releases, and in oral and written statements made by or with the approval of the Issuer that are not statements of historical fact and constitute forward-looking statements. Examples of forward-looking statements include, but are not limited to: (i) statements about future financial and operating results; (ii) statements of strategic objectives, business prospects, future financial condition, projected costs and projected levels of revenues and profits of WiZink Bank, S.A. and its subsidiaries or their management or board of directors; (iii) statements of future economic performance; and (iv) statements of assumptions underlying such statements.

Forward-looking statements are not guarantees of future performance and involve certain risks, uncertainties and assumptions which are difficult to predict and outside of the control of the Issuer and WiZink Bank, S.A. Therefore, actual outcomes and results may differ materially from what is expressed or forecasted in such forward-looking statements. We have based these assumptions on information currently available to us, if any one or more of these assumptions turn out to be incorrect, actual market results may differ from those predicted. While we do not know what impact any such differences may have on our business, if there are such differences, our future results of operations and financial condition, and the market price of the Notes, could be materially adversely affected. You should not place undue reliance on these forward-looking statements. All subsequent written and oral forward-looking statements concerning a proposed transaction or other matters and attributable to the Issuer, WiZink Bank, S.A. or any person acting on their behalf are expressly qualified in their entirety by the cautionary statements referenced above. Forward-looking statements speak only as of the date on which such statements are made. The Issuer expressly disclaims any obligation or undertaking to disseminate any updates or revisions to any forward-looking statement to reflect events or circumstances after the date on which such statement is made, or to reflect the occurrence of unanticipated events.

The information presented on this website does not constitute or form part of, and should not be construed as, an offer to sell or issue, or the solicitation of an offer to purchase, subscribe to or acquire the Issuer or WiZink Bank S.A. or their securities, or an inducement to enter into investment activity in any jurisdiction in which such offer, solicitation, inducement or sale would be unlawful prior to registration, exemption from registration or qualification under the securities laws of such jurisdiction. No part of this website should form the basis of, or be relied on in connection with, any contract or commitment or investment decision whatsoever. The information presented herein is not for publication, release or distribution in any jurisdiction where to do so would constitute a violation of the relevant laws of such jurisdiction nor should it be taken or transmitted into such jurisdiction.