Andris Bergmanis

Aerones is an innovative company that has developed robotic technology for wind turbine blade maintenance services, such as: • Conductivity measurements and trouble-shooting; • Drainage hole cleaning; • External inspection of the wind turbine blades; • Internal inspection of the blades; • Blade & Tower cleaning; • Coating application on the leading edges; • Leading-edge repair. The technology in use is controlled remotely. In addition, it is compact and easily transportable. Aerones is the first company in the world to provide the services using robotic technology: the maintenance process does not require technicians to work in dangerous heights, and thus is much safer, more efficient, and the downtime of the turbines is decreased significantly.

AvaFin (and CreamFinance Mexico as a part of the Holding) is an international Fintech group, operating since 2012. We are utilizing a state-of-the-art financial solutions technology platform to provide convenient loan products with minimal time-to-cash and maximum customer convenience. We provide convenient loan products to consumers in 5 markets: Poland, Spain, Mexico, the Czech Republic, and Latvia, holding leading positions in each of these markets. We make money available Our mission is to make money available. We tailor our loan products to the needs of our customers and focus on providing a convenient and satisfying experience for our customers to establish long-term relationships to serve as the customers’ first choice to cover financial needs. Our Group is backed by Capitec Bank, South Africa’s leading consumer bank which is currently holding over 40% of shares of the Group. Since our establishment 10 years ago, we demonstrated continuous growth reaching record profitability of EUR 3.4m in 2021, serving more than 1 million unique customers, and issuing loans amounting to over EUR 1bn. Diverse multinacional perspective The foundation of our company is an international and diverse team of over 350 people, from over 15 countries worldwide, which continuously work on improving the customer journey and our processes. Since 2022, CreamFinance Holding has been carrying out a global rebranding process, planned to be implemented in particular areas of the Groups operations by the end of 2023. The main goal of the rebranding is to unify the global business operations under one brand in all international AvaFin operating markets.

AvaFin is an international fintech group founded in 2012, with over 400 employees worldwide. We offer innovative consumer loans to help customers meet their financial needs with ease and convenience. Our services are available in five key markets: Poland, Spain, Mexico, Czechia, and Latvia. Leveraging advanced technology and data science, we continuously adapt to our customers’ evolving needs, providing fair and transparent products. In 2024, AvaFin became a subsidiary of Capitec Bank, South Africas largest retail bank with over 22 million active clients. This partnership supports Capitecs international expansion while strengthening AvaFins ability to provide accessible, affordable financial services to customers worldwide.

Aerones is an innovative company that has developed robotic technology for wind turbine blade maintenance services, such as: • Conductivity measurements and trouble-shooting; • Drainage hole cleaning; • External inspection of the wind turbine blades; • Internal inspection of the blades; • Blade & Tower cleaning; • Coating application on the leading edges; • Leading-edge repair. The technology in use is controlled remotely. In addition, it is compact and easily transportable. Aerones is the first company in the world to provide the services using robotic technology: the maintenance process does not require technicians to work in dangerous heights, and thus is much safer, more efficient, and the downtime of the turbines is decreased significantly.

AvaFin (and CreamFinance Mexico as a part of the Holding) is an international Fintech group, operating since 2012. We are utilizing a state-of-the-art financial solutions technology platform to provide convenient loan products with minimal time-to-cash and maximum customer convenience. We provide convenient loan products to consumers in 5 markets: Poland, Spain, Mexico, the Czech Republic, and Latvia, holding leading positions in each of these markets. We make money available Our mission is to make money available. We tailor our loan products to the needs of our customers and focus on providing a convenient and satisfying experience for our customers to establish long-term relationships to serve as the customers’ first choice to cover financial needs. Our Group is backed by Capitec Bank, South Africa’s leading consumer bank which is currently holding over 40% of shares of the Group. Since our establishment 10 years ago, we demonstrated continuous growth reaching record profitability of EUR 3.4m in 2021, serving more than 1 million unique customers, and issuing loans amounting to over EUR 1bn. Diverse multinacional perspective The foundation of our company is an international and diverse team of over 350 people, from over 15 countries worldwide, which continuously work on improving the customer journey and our processes. Since 2022, CreamFinance Holding has been carrying out a global rebranding process, planned to be implemented in particular areas of the Groups operations by the end of 2023. The main goal of the rebranding is to unify the global business operations under one brand in all international AvaFin operating markets.

AvaFin is an international fintech group founded in 2012, with over 400 employees worldwide. We offer innovative consumer loans to help customers meet their financial needs with ease and convenience. Our services are available in five key markets: Poland, Spain, Mexico, Czechia, and Latvia. Leveraging advanced technology and data science, we continuously adapt to our customers’ evolving needs, providing fair and transparent products. In 2024, AvaFin became a subsidiary of Capitec Bank, South Africas largest retail bank with over 22 million active clients. This partnership supports Capitecs international expansion while strengthening AvaFins ability to provide accessible, affordable financial services to customers worldwide.