Current Reports

RB 49/2022

In accordance with the Terms of Issuance of bonds of series P, R, S, A1, A2, T and B1, PRAGMAGO S.A. presents a report on the status of the subject of the pledge securing the claims of bondholders of these series. As of November 30, 2022, the nominal value of the receivables included in the set of pledged receivables for each series was.

for series P PLN 12,000,030.

For the R series, PLN 14,400,550.

For the S series, PLN 8,512,653.

for the A1 series, PLN 19,251,806.

For the A2 series, PLN 20,458,383.

For the T series, PLN 19,206,827.

for the U-series PLN 12,002,268.

for the B1 series, PLN 26,425,127.

Total value of the collection: PLN 132,257,643.

There was no shortage condition

Total receipts to the pledged bank account established to secure receivables from Series P, R, S, A1, A2, T, U and Series B1 Bonds for the last 6 months amounted to PLN 165,211,681.

The value of the Loss Ratio as of 30/11/2022 is 1.12%

Legal basis – Article 17 (1) of Regulation (EU) No. 596/2014 of the European Parliament and of the Council (MAR).

RB 48/2022

The Management Board of PragmaGO S.A. with its seat in Katowice (the “Issuer”), informs that on December 19, 2022. The Issuer has entered into an agreement with Chabasiewicz Kowalska i Wspólnicy Spółka Komandytowo – Akcyjna, based in Krakow (“Pledge Administrator”) acting as a pledge administrator on its own behalf, but for the benefit of bondholders entitled under the series B1 bonds issued by the Issuer as part of the Third Public Bond Issuance Program (the “Series B1 Bonds”), an annex to the Registered Pledge Agreement on a set of variable rights (the “Set Pledge Agreement” and “Annex to the Set Pledge Agreement”) and an annex to the Registered Pledge Agreement on receivables from a bank account (the “Account Pledge Agreement” and “Annex to the Account Pledge Agreement”). The object of the Annex to the Collection Pledge Agreement and the Annex to the Account Pledge Agreement is to change the number of Series B1 Bonds of the Issuer specified in the Collection Pledge Agreement and the Account Pledge Agreement from 200,000 to the number of Series B1 Bonds that have been allocated, i.e. 127.792 (in words: one hundred and twenty-seven thousand seven hundred and ninety-two), and changing the highest amount of collateral for the Series B1 Bonds from the amount of PLN 24,000,000.00 specified in the Collection Pledge Agreement and the Account Pledge Agreement to a value equivalent to 120% of the total par value of the allocated Series B1 Bonds, i.e. to PLN 15,335,040.00.
The basis for the change in the highest amount of collateral for the Series B1 Bonds is § 3(3) of the Collection Pledge Agreement and § 3(3) of the Account Pledge Agreement, as well as item. B of the Final Terms of the Series B1 Bonds.

The Issuer reported on the conclusion of the Collection Pledge Agreement and the Account Pledge Agreement in current report No. 37/2022 dated 3/10/2022, and the Issuer reported on the conditional allotment of Series B1 Bonds in current report No. 39/2022 dated 24/10/2022. Legal basis: Article 17 (1) MAR – confidential information.

RB 47/2022

The Management Board of PragmaGO S.A. (hereinafter: “Issuer” or “Company”) informs that on December 2, 2022. Extraordinary General Meeting of Shareholders, convened pursuant to Article 405 § 1 of the Code of Commercial Companies, adopted a resolution on increasing the Company’s share capital through the issuance of series J shares and on depriving existing shareholders of the entire preemptive right to all series J shares. Pursuant to Resolution No. 3 of the Extraordinary Shareholders’ Meeting of December 2, 2022, the Company’s share capital is increased by PLN 445,214.00 to PLN 6,891,041.00 through the issuance of 445,214 series J shares with a nominal value of PLN 1 each. The total issue price of series J shares is PLN 6,673,757.86. The issue of series J shares will be carried out by way of a private placement addressed to individually identified shareholders, including Polish Enterprise Funds SCA, headquartered in Luxembourg, at 15, Boulevard F.W. Raiffeisen, L-2411 Luxembourg, Grand Duchy of Luxembourg.

Legal Basis: Article 17 (1) of the EU Parliament and Council Regulation No. 596/2014 MAR.

RB 46/2022

In accordance with the Terms of Issuance of bonds of series P, R, S, A1, A2, T, U and B1, PRAGMAGO S.A. presents a report on the status of the subject of the pledge securing the claims of bondholders of these series. As of October 31, 2022, the nominal value of the claims included in the set of pledged claims for each series amounted to.

For the P series, PLN 12,944,250.
For the R series, PLN 14,405,936.
For the S series, PLN 8,491,038.
for the A1 series, PLN 19,206,843.
for the A2 series, PLN 20,401,756.
for the T series, PLN 19,203,103.
For the U-series, PLN 13,327,291.
For the B1 series, PLN 24,002,837.

Total value of the collection: PLN 131,983,053.
A state of shortage did not exist.
Total receipts to the pledged bank account established to secure receivables from Series P, R, S, A1, A2, T, U and Series B1 Bonds for the last 6 months amounted to PLN 170,722,806.
The value of the Loss Ratio as of 31/10/2022 is 1.00%.
Legal basis – Article 17 (1) of Regulation (EU) No. 596/2014 of the European Parliament and of the Council (MAR).

RB 45/2022

The Management Board of PragmaGO S.A. (the “Issuer”) presents its estimated results in terms of turnover and the number of clients served for Q3 2022 and for the period Q1-Q3 2022. The final results will be provided in the content of the interim report scheduled for publication on November 25, 2022. Turnover (nominal value of financed receivables) in Q3 2022 amounted to PLN 419 million (up 58% y/y), of which PLN 377 million was attributable to factoring (up 49% y/y) and PLN 42 million to online loans (up 308% y/y). PragmaGO’s services were used by 6,363 clients during the period (up 67% y/y), who completed 55317 transactions (up 81% y/y). In Q3 of this year, the embedded finance (system distribution) area generated turnover of PLN 85 million (up 58% y/y). In Q1-Q3 2022, PragmaGO’s total turnover was PLN 1.15 billion (up 61% y/y).

Legal basis – Article 17 (1) of Regulation (EU) No. 596/2014 of the European Parliament and of the Council (MAR).

RB 44/2022

The Management Board of the Issuer PragmaGO S.A. informs that on November 3, 2022. The Management Board of the Warsaw Stock Exchange (Giełda Papierów Wartościowych w Warszawie S.A.) adopted Resolution No. 1001/2022 to introduce 127,792 series B1 bearer bonds with a nominal value of PLN 100 each, issued by PragmaGO S.A., to trading on the primary market on November 8, 2022. The resolution of the Board of Directors of the Warsaw Stock Exchange S.A. comes into force on the date of adoption. Legal basis: § 17 (1) (4_) of the Regulation of the Minister of Finance dated March 29, 2018 on current and periodic information.

RB 43/2022 K

With reference to current report No. 42/2022 dated October 28, 2022, the Board of Directors of PragmaGO S.A. (the “Company”) hereby corrects an obvious clerical error in the contents of item no. 9 of the said report, where the number of persons who subscribed for the Bonds was indicated as 541 instead of the correct number of 451.

The Issuer hereby provides the correct wording of item. 9 of Current Report No. 42/2022 dated October 28, 2022:
“9) the number of persons who subscribed for the Bonds subscribed for in individual tranches: the issue was not divided into tranches, 451 persons subscribed for the Bonds”.

The adjustment described above does not affect the other information contained in the revised current report.

Legal basis: § 15 (2) of the Regulation of the Minister of Finance dated March 29, 2018 on current and periodic information provided by issuers of securities (…).

RB 42/2022

The Management Board of PragmaGO S.A., based in Katowice, Poland (the “Company” or the “Issuer”) announces the completion of the subscription for the Series B1 secured bearer bonds issued pursuant to Resolution of the Issuer’s Management Board No. 1/03.10.2022 dated October 3, 2022. under the Third Public Bond Issuance Program, for which the Registration Document, the Secured Bond Offering Document and the Unsecured Bond Offering Document were approved by the Financial Supervisory Commission on July 15, 2022 (the “Bonds”):

1) Subscription start date: October 6, 2022
2) subscription closing date: October 19, 2022
3) date of allotment of Bonds: October 24, 2022 conditional allotment resolution subject to registration of the Bonds with the depository maintained by the NDS, October 28, 2022 registration of the Bonds with the NDS
4) number of Bonds subscribed: 200,000 units,
5) rate of reduction in individual tranches: the issue was not divided into tranches, no reduction occurred,
6) number of Bonds subscribed for: 127,792 units,
7) the number of Bonds that were allocated in the subscription: 127,792 units,
8) the price at which the Bonds were taken up: PLN 100.00,
9) the number of persons who subscribed for the Bonds subscribed for in each tranche: the issue was not divided into tranches, 541 persons subscribed for the Bonds,
10) the number of persons to whom the Bonds were allotted in the conducted subscription in individual tranches: the issue was not divided into tranches, the Bonds were allotted to 451 persons,
11) Name(s) of the underwriters who subscribed for the Bonds in the performance of underwriting agreements: The Company has not entered into underwriting agreements,
12) the value of the subscription, understood as the product of the number of Bonds and the issue price: PLN 12,779,200,
13) the total determination of the amount of costs that were included in the cost of issuance amounted to: PLN 549,948.00, including costs:
(a) preparation and conduct of the offering: PLN 496,000.00,
b) remuneration of underwriters, for each separately: none,
c) preparation of the information document, including costs of consultancy: PLN 31,948.00,
d) promotion of the offering: PLN 22,000.00
14) average cost of subscription per unit of security: PLN 4.30,
15) financial liabilities from the issuance of Bonds will be recognized at amortized cost using the effective interest rate method. Costs incurred for the preparation and conduct of the offering and consulting services related to the issuance of the Bonds will be included in the calculation of amortized cost in accordance with the application of the effective interest rate method and, as a result, will be amortized to the income statement over the term of the Bonds,
16) all Bonds were taken up for cash contributions.

The Issuer announced the issuance of the Bonds in Current Report No. 36/2022 dated October 3, 2022, and the conditional allocation of the Bonds in Current Report No. 39/2022 dated October 24, 2022.

Legal basis: article 16 (1) of the Regulation of the Minister of Finance of March 29, 2018 on current and periodic information (…).

RB 41/2022

The Management Board of PragmaGO S.A. with its seat in Katowice (the “Company” or the “Issuer”) informs that on October 26, 2022. The Management Board of the Warsaw Stock Exchange adopted Resolution No. 973/2022 on the admission of up to 127,792 B1 series bearer bonds issued by the Company (the “Bonds”)to exchange trading on the primary market – as of the date of registration of the Bonds by the National Depository for Securities S.A.
The Issuer informed about the issue of the Bonds in current report No. 36/2022 dated October 3, 2022, and about the conditional allocation of the Bonds in Current Report No. 39/2022 dated October 24, 2022.

Legal basis: § 17 (1) (2) of the Regulation of the Minister of Finance dated March 29, 2018. On current and periodic information.

RB 40/2022

The Management Board of PragmaGO S.A. (hereinafter: “Issuer”) informs that on October 24, 2022. The National Depository for Securities (Krajowy Depozyt Papierów Wartościowych S.A.) has issued a statement that it has entered into an agreement with the Issuer for the registration in a securities depository of up to 200,000 series B1 bearer bonds, which have been assigned ISIN code: PLGFPRE00289. The registration will take place on the basis of settlement orders referred to in § 5 of the Detailed Rules of Operation of the National Depository for Securities (NDS), submitted after the resolution on admission of the aforementioned bonds to trading on the regulated market.

Legal basis: § 17 (1) (1) of the Regulation of the Minister of Finance dated March 29, 2018 on current and periodic information.

RB 39/2022

With reference to current report No. 36/2022 dated October 3, 2022 on the issue of bonds under the Third Public Bond Issuance Program (hereinafter: “Program”), the Board of Directors of PragmaGO S.A. (hereinafter: the “Company”) announces that on October 24, 2022, it adopted a resolution (hereinafter: the “Resolution”) on the conditional allotment of Series B1 bonds issued under the Program (hereinafter: the “Bonds”). A total of 200,000 Bonds were offered in a public offering at an issue price of PLN 100 per Bond.

The Management Board of the Company allocated 127,792 Bonds with a total nominal value of PLN 12,779,200, subject to registration of the Bonds with the National Depository for Securities in transaction settlement mode. The conditional allotment of the Bonds was made on the basis of the initial allotment list prepared by Dom Maklerski BDM S.A., based in Bielsko-Biała.

The issuance of the Bonds will take place at a level consistent with the final number of allocated Bonds, which will result from the number of registered Bonds in the securities depository maintained by the NDS, in accordance with the correct conforming settlement instructions.

At the same time, the Company informs that detailed information summarizing the Bond issue will be provided in a separate current report.

Legal basis – Article 17 (1) MAR

RB 38/2022

In accordance with the Terms of Issuance of bonds of series P, R, S, A1, A2, T and U, PRAGMAGO S.A. presents a report on the status of the subject of the pledge securing the claims of bondholders of these series. As of September 30, 2022, the nominal value of the receivables included in the set of pledged receivables for each series amounted to.

for the P series, PLN 12,009,291.

For the R series, PLN 14,595,415.

for the S-series PLN 8,401,521.

for the A1 series, PLN 19,214,225.

For the A2 series, PLN 20,493,710.

for the T-series PLN 19,524,565.

For the U series, PLN 12,033,981.

Total value of the collection: PLN 106,272,707.

There was no shortage condition

Total receipts to the bank account pledged to secure the receivables under the Series P, R, S, A1, A2, T and Series U Bonds for the last 6 months amounted to PLN 180,550,744.

The value of the Loss Ratio as of 30/09/2022 is 0.95%.

Legal basis – Article 17 (1) of Regulation (EU) No. 596/2014 of the European Parliament and of the Council (MAR).

RB 37/2022

The Management Board of PragmaGO S.A., based in Katowice _”Issuer_, informs that on October 3, 2022. The Issuer has entered into an agreement with Chabasiewicz Kowalska i Wspólnicy Spółka Komandytowo – Akcyjna, based in Kraków _”Pledge Administrator”_ acting as a pledge administrator on its own behalf, but for the benefit of the bondholders entitled under the Series B1 Bonds issued by the Issuer under the Third Public Bond Issuance Program _”Series B1 Bonds”_, a registered pledge agreement on a set of variable rights _”Set Pledge Agreement”_ and a registered pledge agreement on receivables from a bank account _”Account Pledge Agreement”_, to secure the receivables of the bondholders entitled under the Series B1 Bonds.

The registered pledge on the set of floating rights, which is the subject of the Set Pledge Agreement, was established up to the highest security amount of PLN 24,000,000.

Under the Collection Pledge Agreement, the Issuer undertook not to sell or encumber the object of the registered pledge as a whole, or the individual receivables included in the collection, before the expiration of the pledge. The Collection Pledge Agreement stipulates that the Pledge Administrator may, at its discretion, satisfy the Bondholders’ claims from the pledged object: through court enforcement proceedings, through sale by public tender conducted by a bailiff or notary public, by taking ownership of the collection of receivables as a pledged object.

The registered pledge on the Issuer’s present and future rights, receivables and claims against the bank maintaining the Issuer’s bank account, including in particular a claim for payment of amounts accumulated in the account together with all accrued interest, which is the subject of the Account Pledge Agreement, was established up to the highest security amount of PLN 24,000,000.

The Account Pledge Agreement stipulates that the Pledge Administrator may, at its discretion, satisfy the Bondholders’ claims from the pledged property: through court enforcement proceedings or by taking ownership of the pledged property.
The Issuer announced the issuance of the Series B1 Bonds through Current Report No. 36/2022 dated October 3, 2022.

Legal basis: Article 17 (1) MAR – confidential information.

RB 36/2022

The Board of Directors of PragmaGO S.A., based in Katowice, Poland _ the “Company” or the “Issuer”_ informs that on October 3, 2022, it adopted a resolution on the issuance and determination of the final terms and conditions of issuance of Series B1 bonds_”Bonds”_. The Bonds are issued under the Third Public Bond Issuance Program, for which the Registration Document, the Secured Bond Offering Document and the Unsecured Bond Offering Document were approved by the Financial Supervisory Commission on July 15, 2022.

The Bonds shall be offered through a public offering on the basis of the Base Prospectus for Secured Bonds _”Prospectus”_. As part of the Bond issue, 200,000 _two hundred thousand_ Bonds with a par value of PLN 100.00 _hundred_ each will be offered. The total par value of the Bonds shall be PLN 20,000,000.00 _twenty million_. The issue price of the Bonds shall be equal to the par value.

The interest rate on the Bonds is variable, and will be set at the prime rate plus a fixed margin, subject to an increase in the margin if the Issuer’s Debt Index is exceeded under the terms described in the Final Terms of the Bonds. Detailed rules for determining the interest rate on the Bonds, including in particular the prime rate, are presented in the Prospectus and the Final Terms of the Bonds.

The Issuer will redeem the Bonds on October 28, 2026. The Issuer will have the right of early redemption of the Bonds, the rules for the exercise of which will be described in the Final Terms of the Bonds.

In particular, the Bonds will be secured by a registered pledge on a set of existing and future receivables of variable composition, constituting an economic whole, and a registered pledge on the Issuer’s bank account. Details of the collateral for the Bonds are presented in the Prospectus and the Final Terms of the Bonds.

The Bonds will be dematerialized and will be subject to the Issuer’s application for their introduction to trading on the Catalyst regulated market operated by the Warsaw Stock Exchange. The Bonds have been assigned the preliminary ISIN code PLGFPRE00289.

The Issuer announced the determination of the Third Public Bond Issuance Program in current report No. 6/2022 dated January 28, 2022.

Legal basis: Article 17 (1) MAR – confidential information.

RB 35/2022

The Management Board of PragmaGO S.A. _hereinafter: “Issuer” or “Company”_ informs that on September 28, 2022. Extraordinary General Meeting of Shareholders, convened pursuant to Article 405 § 1 of the Code of Commercial Companies, adopted a resolution on increasing the Company’s share capital through the issuance of series I shares and on depriving existing shareholders in full of the preemptive right to all series I shares. Pursuant to Resolution No. 3 of the Extraordinary General Meeting of Shareholders of September 28, 2022, the Company’s share capital is increased by PLN 511,967.00 to PLN 6,445,827.00 through the issuance of 511,967 series I shares with a nominal value of PLN 1 each. The total issue price of series I shares is PLN 7,674,385.00. The issue of series I shares shall be carried out by way of private subscription conducted within the framework of an offer addressed to an individually specified shareholder, i.e. to: Polish Enterprise Funds SCA, based in Luxembourg.

Legal Basis: Article 17 (1) of the EU Parliament and Council Regulation No. 596/2014 MAR.

RB 34/2022

The Board of Directors of PragmaGO S.A., hereinafter referred to as the “Company”, informs that on September 27, 2022, the Company was entered into the register of small payment institutions, hereinafter referred to as “MIP”, within the meaning of Article 2 para. 17b_ of the Act of August 19, 2011 on payment services Journal of Laws 2021, item 1907 . Zgodnie z rejestrem prowadzonym przez Komisję Nadzoru Finansowego, wpis Spółki nosi numer MIP157/2022.
Uzyskanie licencji MIP umożliwia rozszerzenie zakresu usług świadczonych przez Spółkę w obszarze e-commerce o kompleksowe rozwiązanie płatnicze oferowane klientom i partnerom Spółki w modelu embedded finance, przy czym usługi finansowania merchantów i ich sprzedaży pozostaną produktami wiodącymi w ofercie Spółki.

Legal basis: Article 17 (1) of the EU Parliament and Council Regulation No. 596/2014 MAR.

RB 33/2022

The Management Board of PragmaGO S.A., with its seat in Katowice (the “Company”), in reference to current report No. 30/2022 dated September 16, 2022, regarding the conclusion of agreements on registered pledges on a collection of receivables (the “Collection”) constituting collateral for the receivables of bondholders entitled under the Company’s bonds of series P, R, S, A1, A2, U and T presents a report on the status of the pledged receivables securing the claims of bondholders of the Company’s eligible bonds of series P, R, S, A1, A2, U and T. This report presents the status of the Collection after excluding from the Collection the Issuer’s existing and future receivables arising from contracts entered into by the Issuer after January 1, 2019, constituting lump-sum factoring agreements designated by the Issuer in the “Navi” system as “Lump-sum Factoring” or “Lump-sum Factoring+ Advance Payment” (“Segregated Receivables”), and exclusion of the possibility of entering the Segregated Receivables Collection.

As of August 31, 2022, the nominal value of the receivables included in the Collection covered by the registered pledge for each series of the Company’s bonds amounted to:

For the P series, PLN 12,129,402.

For the R series, PLN 14,413,640.

for the S series PLN 8,694,478.

For the A1 series, PLN 19,229,443.

for A2 series 20,400 419 zloty.

for the T series, PLN 19,202,017.

For the U-series, PLN 12,309,571.

Total value of the Collection: PLN 106,378,971.

There was no shortage condition on the Collection.

Total receipts to the bank account pledged to secure the receivables under the Series P, R, S, A1, A2, T and Series U Bonds (the “Account”) for the last 6 months amounted to as of August 31, 2022. PLN 164,386,503.

There was no shortage condition in the Account,

The value of the Loss Ratio as of August 31, 2022 was 0.92%.

Legal basis – Article 17 (1) of Regulation (EU) No. 596/2014 of the European Parliament and of the Council (MAR).

RB 32/2022

In accordance with the Terms of Issuance of bonds of series P, R, S, A1, A2, T and U, PRAGMAGO S.A. presents a report on the status of the subject of the pledge securing the claims of bondholders of these series. As of August 31, 2022, the nominal value of the claims included in the set of pledged claims for each series amounted to.

For the P series, PLN 12,176,191.

For the R series, PLN 14,406,470.

For the S series, PLN 8,736,351.

for the A1 series, PLN 19,206,851.

For the A2 series, PLN 20,429,420.

For the T series, PLN 19,200,230.

for the U-series PLN 12,006,665.

Total value of the collection: PLN 106,162,178.

There was no shortage condition

Total receipts to the pledged bank account established to secure receivables under the Series P, R, S, A1, A2, T and Series U Bonds for the last 6 months amounted to PLN 185,481,776.

The value of the Loss Ratio as of 31/08/2022 is 0.92%.

Legal basis – Article 17 (1) of Regulation (EU) No. 596/2014 of the European Parliament and of the Council (MAR).

RB 31/2022

The Management Board of PragmaGO S.A. with its seat in Katowice (the “Company”), with reference to current report No. 30/2022 dated September 16, 2022 concerning the conclusion of agreements on registered pledges on a collection of receivables (the “Collection”) securing the claims of bondholders entitled under the Company’s P, R, S, A1, A2, U and T series bonds, presents a report on the status of the pledges securing the claims of bondholders entitled under the Company’s P, R, S, A1, A2, U and T series bonds. This report presents the status of the Collection after excluding from the Collection the Issuer’s existing and future receivables arising from contracts entered into by the Issuer after January 1, 2019, constituting lump-sum factoring agreements designated by the Issuer in the “Navi” system as “Lump-Sum Factoring” or “Lump-Sum Factoring + Advance (“Segregated Receivables”), and exclusion of the possibility of entering the Segregated Receivables Collection.
As of July 31, 2022, the nominal value of the receivables included in the Collection covered by the registered pledge for each series of the Company’s bonds amounted to:

For the P-series, PLN 12,269,305.
For the R series, PLN 14,400,761.
for the S series PLN 8,794,457.
For the A1 series, PLN 19,202,826.
For the A2 series, PLN 20,405,456.
For the T series, PLN 19,200,759.
For the U-series, PLN 12,685,389.

Total value of the Collection: PLN 106,958,953.
There was no shortage condition on the Collection.
Total receipts to the pledged bank account established to secure the receivables under the Series P, R, S, A1, A2, T and Series U Bonds _”Account”_ for the last 6 months amounted to PLN 161,152,008 as of July 31, 2022. PLN 161,152,008.
There was no deficiency condition in the Account,
The value of the Loss Ratio as of July 31, 2022 was 0.90%.
Legal basis – Article 17 (1) of Regulation (EU) No. 596/2014 of the European Parliament and of the Council (MAR).

RB 30/2022

The Management Board of PragmaGO S.A. _”Issuer”, “Company”_ announces that on September 16, 2022. The Issuer has entered into an agreement with Chabasiewicz Kowalska i Wspólnicy S.K.A. _”Security Administrator”_, acting as a pledge administrator for the registered pledges established on the Issuer’s collection of receivables _”Collection”_, constituting security for the receivables of bondholders entitled under the Issuer’s bonds: – P series designated with ISIN code PLGFPRE00172 in a total number of 100,000; – R series designated with ISIN code PLGFPRE00180 in a total number of 120,000; – S series designated with ISIN code PLGFPRE00206 in a total number of 70,000; – T series, ISIN code PLGFPRE00248, in the total amount of 160,000; – U series, ISIN code PLGFPRE00271, in the total amount of 100,000; – A1 series, ISIN code PLGFPRE00222, in the total amount of 160.000; – A2 series marked with ISIN code PLGFPRE00230 in the total number of 170,000; _ collectively referred to as the “Bonds”_, agreements to register pledges on the Collection concerning changes in the content of the Collection and the rules for entering receivables into the Collection. The amendment to the Collection consists in excluding from the Collection the Issuer’s existing and future receivables arising from contracts entered into by the Issuer after January 1, 2019, which are lump sum factoring agreements designated by the Issuer in the “Navi” system as “Lump Sum Factoring” or “Lump Sum Factoring + Advance _”Separated Receivables”_ and excluding the possibility of entering into the Collection of Separated Receivables _”Amendment to the Collection”_. The change of the Collection will not result in a Deficiency Condition on the Collection within the meaning of the terms and conditions of issuance of the respective series of Bonds, details of the Collection Condition will be provided in Current Report No. 31/2022 dated September 16, 2022. The possibility of making a Change to the Collective is provided for both in the terms and conditions of issuance of individual series of Bonds _section 10.10 of the terms and conditions of issuance of bonds of series P, R, S, R, U and section 2.7.1. of the minimum scope of information with respect to collateral contained in the Basic Prospectus of the Issuer’s Second Public Bond Issuance Program, under which bonds of series A1 and A2 were issued_, and in individual agreements of registered pledges established on the Collective. The amendment to the Collection will not constitute an amendment to the terms and conditions of the issuance of the Bonds. The amendment to the Collection is dictated by the Issuer’s obligation under the loan agreement entered into with the European Bank for Reconstruction and Development, London _”EBRD”_ on August 19, 2022, which the Issuer announced in Current Report No. 25/2022 dated August 19, 2022. One of the collaterals for the EBRD’s claims under the loan agreement is to be a registered pledge established on the Separate Claims. Legal Basis – Article 17 (1) of Regulation (EU) No. 596/2014 of the European Parliament and of the Council (MAR).

RB 29/2022

The Board of Directors of PragmaGO S.A., with reference to current report number 7/2022, announces a change in the date of publication of the interim report for the first half of 2022.

Previous deadline – 15.09.2022.

Current date – 22.09.2022.

Legal basis: § Section 80(2) of the Ordinance of the Minister of Finance dated March 29, 2018 on current and periodic information provided by issuers of securities and conditions for recognizing as equivalent information required by the laws of a non-member state (Journal of Laws 2018 item 757).

RB 28/2022

The Management Board of PragmaGO S.A. (hereinafter: “Issuer” or “Company”) informs that on August 31, 2022. The Issuer, as the buyer, entered into an agreement with Fandla Faktoring sp. z o.o., based in Warsaw, as the seller, for the sale of the organized part of the enterprise “Fandla Sales and Customer Service” (hereinafter: the “ZCP Sales Agreement”). Pursuant to the CSC Sale Agreement, the Company acquired from Fandla Faktoring sp. z o.o. an organized part of the enterprise, which includes, among other things, a customer base, proprietary assets, employees and partnership agreements. The minimum sale price was set at PLN 500,000.00. This price will be increased by a percentage of the revenues earned by the Issuer from contracts concluded by the Issuer with entities from the customer base comprising the organized part of the enterprise, for the benefit of which the Issuer will launch financing. Based on the provisions of the OCP Sale Agreement, the Issuer will offer the existing customers of Fandla Faktoring sp. z o.o. the possibility of financing based on diversified financial products and an increased financing limit.

RB 27/2022

The Board of Directors of PragmaGO S.A. announces that the Company has revised the Group’s consolidated financial statements for Q1 2022, which were released to the public on May 25, 2022.

After reanalyzing the components of the fee charged in connection with the purchase financing loan product and analyzing the provisions of IFRS 9 and IFRS 15, the Company has decided to change the presentation of accrued income related to the said product.
The adjustment to change the presentation of the accruals related to the purchase financing loan product _the amount of the accruals will reduce the corresponding financial assets_ will be made in the financial statements for the periods of 2022 with retrospective recognition of the changes.
For the quarterly report for the first quarter of 2022, which has already been published, the adjustment has been made and the report has been adjusted by retrospective recognition of the changes.
The following items have been changed in the financial statements for 1Q2022:

– in fixed and current assets under loans,
– in liabilities under current liabilities under deferred income.

At the same time, the data in Notes 2 , 8 and 16 have been changed. In connection with the above, the Company is publishing the corrected Report today.

Legal basis:§ 15(4) of the Ordinance of the Minister of Finance dated March 29, 2018 on current and periodic information provided by issuers of securities and conditions for recognizing as equivalent information required by the laws of a non-member state.

RB 26/2022

In accordance with the Terms of Issuance of bonds of series P, R, S, A1, A2, T and U, PRAGMAGO S.A. presents a report on the status of the subject of the pledge securing the claims of bondholders of these series. As of July 31, 2022, the nominal value of the claims included in the set of pledged claims for each series amounted to.

For the P series, PLN 12,128,964.

For the R series, PLN 14,405,068.

For the S series, PLN 8,575,841.

for the A1 series, PLN 19,207,994.

For the A2 series, PLN 20,410,714.

for the T series, PLN 19,265,453.

for series U PLN 12,000,663.

Total value of the collection: PLN 105,994,696.

There was no shortage condition

Total receipts to the pledged bank account established to secure receivables under the Series P, R, S, A1, A2, T and Series U Bonds for the last 6 months amounted to PLN 180,985,041.

The value of the Loss Ratio as of 31/07/2022 is 0.90%.

Legal basis – Article 17 (1) of Regulation (EU) No. 596/2014 of the European Parliament and of the Council (MAR).

RB 25 / 2022

The Management Board of PragmaGO S.A. (the “Issuer” or the “Company”) announces that on August 19, 2022, a loan agreement up to the amount of EUR 5,000,000.00 was entered into between the European Bank for Reconstruction and Development, London (“EBRD”), as lender, and the Company, as borrower, for the purpose of the Company’s financing of the redemption of unmatured receivables and the granting of loans to small and medium-sized enterprises (the “Loan Agreement”).

Under the terms of the Loan Agreement, the financing period is 36 months, and the loan will be repaid in eight equal quarterly installments after a financing period of 12 months. The interest rate on the loan will be calculated at a rate equal to the sum of the margin and the interbank rate for the relevant interest period (WIBOR / EURIBOR).

The repayment of obligations under the Loan Agreement is secured by: a registered pledge on the bank account, a registered pledge on a set of segregated receivables with a value of no less than 120% of the value of the loan funds used, a promissory note and a statement of submission to execution.

RB 24/2022

In accordance with the Terms of Issuance of bonds of series P, R, S, A1, A2, T and U, PRAGMAGO S.A. presents a report on the status of the subject of the pledge securing the claims of bondholders of these series. As of June 30, 2022, the nominal value of the receivables included in the set of pledged receivables for each series amounted to.

For the P series, PLN 12,164,985.

For the R series, PLN 14,407,611.

For the S 8 series, PLN 400,799.

for the A1 series, PLN 19,245,416.

for the A2 series, PLN 20,454,051.

for the T-series PLN 19,608,166.

for the U-series PLN 12,002,630.

Total value of the collection: PLN 106,283,659.

There was no shortage condition

Total receipts to the pledged bank account established to secure the receivables under the Series P, R, S, A1, A2, T and Series U Bonds for the last 6 months amounted to PLN 182,661,225.

The value of the Loss Ratio as of 30/06/2022 is 0.78%

Legal basis – Article 17 (1) of Regulation (EU) No. 596/2014 of the European Parliament and of the Council (MAR).

RB 23/2022

The Management Board of the Issuer PragmaGO S.A. informs that on July 15, 2022. The Management Board of the Warsaw Stock Exchange adopted Resolution No. 689/2022 to designate July 20, 2022 as the first day of trading in the alternative trading system on the Catalyst market of 100,000 U-series bearer bonds issued by PragmaGO S.A., designated by the National Securities Depository with the code PLGFPRE00271. The bonds will be listed in the continuous trading system under the abbreviated name “PRF0626”.
Legal basis: § 17 (1) (4_) of the Regulation of the Minister of Finance dated March 29, 2018. on current and periodic information (…).

RB 22/2022

The Management Board of PragmaGo S.A., based in Katowice, Poland (the “Company” or the “Issuer”) announces that on July 15, 2022. The Polish Financial Supervision Authority issued decisions to approve the registration document, the offering document for the Company’s secured bonds and the offering document for the Company’s unsecured bonds issued under the Company’s Third Public Bond Issuance Program (“Third PEO”). The approved documents will be the basis for conducting public offerings of the bonds issued by the Company under the III PEO with an aggregate nominal value of no more than PLN 150,000,000 (the “Bonds“) and for the admission and introduction of the Bonds to trading on the regulated market operated by the Warsaw Stock Exchange.

The Issuer announced the determination of the Third Public Bond Issuance Program in current report No. 6/2022 dated January 28, 2022.

Legal basis: Article 17 (1) MAR – confidential information.

RB 21/2022

The Management Board of PragmaGO S.A. “Issuer” informs that on July 12, 2022. The Management Board of the Warsaw Stock Exchange adopted Resolution No. 683/2022 on the introduction to the alternative trading system on the Catalyst market of 100,000 U-series bearer bonds issued by PragmaGO S.A. with a nominal value of PLN 100 each. In connection with the adoption of the aforementioned resolution on the introduction, the Issuer also informs that the registration of the bonds in the National Depository for Securities will take place within 3 days from the date of receipt by the NDS of documents confirming their introduction to the alternative trading system. The resolution came into effect on the date of adoption.

Legal basis: § 17 (1) (2) of the Regulation of the Minister of Finance dated March 29, 2018. On current and periodic information (…).

RB 20/2022

The Management Board of PragmaGO S.A. (Issuer) announces that on June 28, 2022, the National Depository for Securities (NDS) issued a statement that it has entered into an agreement with the Issuer to register in the depository 100,000 U-series bearer bonds, which have been assigned ISIN code: PLGFPRE00271. The registration will take place within 3 days of receipt by the NDS of documents confirming the introduction of the aforementioned bonds to the alternative trading system.

Legal basis: § 17(1)(1) of the Regulation of the Minister of Finance dated March 29, 2018 on current and periodic information (…)

RB 19/2022

In accordance with the Terms of Issuance of bonds of series P, R, S, A1, A2 and T, PRAGMAGO S.A. presents a report on the status of the subject of the pledge securing the claims of bondholders of these series. As of May 31, 2022, the nominal value of the claims included in the set of pledged claims for each series amounted to.

for the P series, PLN 12,070,756.

For the R series, PLN 14,419,272.

For the S series, PLN 8,406,917.

for the A1 series, PLN 19,213,893.

For the A2 series, PLN 21,041,654.

For the T series, PLN 19,200,793.

Total value of the collection: PLN 94,353,285.

A state of shortage did not exist.

Total receipts to the pledged bank account established to secure receivables under the Series P, R, S, A1, A2 and Series T Bonds for the last 6 months amounted to PLN 184,445,767.

The value of the Loss Ratio as of 31/05/2022 is 0.58%.

Legal basis – Article 17 (1) of Regulation (EU) No. 596/2014 of the European Parliament and of the Council (MAR).

RB 18/2022

The Management Board of PragmaGO S.A. announces the completion of subscription and allotment of U-series bearer bonds issued on the basis of Resolution No. 1/27.05.2022 of the Management Board of PragmaGO S.A. dated May 27, 2022 on the issue of U-series Bonds, determination of their terms of issue, dematerialization and introduction to trading on Catalyst.
1. subscription start date: May 30, 2022; subscription end date: June 10, 2022;
2. allocation date of financial instruments: June 13, 2022;
3. number of financial instruments subscribed or sold: 100,000 bonds;
4. reduction rate in individual tranches: the issue was not divided into tranches, subscriptions for a total of 100,000 bonds were accepted, no reduction in subscriptions was made;
5. number of financial instruments allocated in the subscription or sale: 100,000 series U bonds were allocated;
6. the price at which the financial instruments were acquired _taken_: PLN 100.00;
7. nominal value of financial instruments: PLN 100.00 each Series U Bond, the total par value of Series U Bonds is PLN 10,000,000;
8. number of persons who subscribed for financial instruments subscribed or sold in particular tranches: the issue was not divided into tranches, 44 persons _including 43 natural or legal persons other than qualified investors_ subscribed for Series U Bonds;
9. the number of persons to whom the financial instruments were allotted in the subscription or sale conducted in each tranche: the issue was not divided into tranches, U-series bonds were finally allotted to 44 persons _including 43 natural or legal persons other than qualified investors_;
10. information whether the persons to whom the financial instruments were allotted as part of the subscription or sale in particular tranches are related parties to the issuer: none of the persons to whom the U-series Bonds were allotted is a related party to the issuer within the meaning of § 4(6) of the ATS Regulations;
11. name of the firm of underwriters who took up the financial instruments as part of the execution of underwriting agreements: The Company did not enter into underwriting agreements;
12. The total amount of costs that were included in the costs of the issue amounted to: PLN 284,500.00, including costs of:
a_ preparation and conduct of the offering: PLN 248,000.00;
b_ remuneration of underwriters, for each separately: none;
c_ preparation of the information document, including costs of consulting: PLN 36,500.00
d_ promotion of the offering: none

Financial liabilities from the issuance of Series U Bonds will be carried at amortized cost using the effective interest rate method. Costs incurred in preparing and conducting the offering and consulting services related to the issuance of the Series U Bonds will be included in the calculation of amortized cost, in accordance with the application of the effective interest rate method, and as a result will be amortized to the income statement over the term of the bonds.

All series U bonds were subscribed for cash contributions.

RB 17/2022

The Management Board of PragmaGO S.A. “The Issuer” or “the Company” informs that on June 6, 2022, the Ordinary General Meeting of Shareholders, convened pursuant to Article 405 § 1 of the Commercial Companies Code, was held:

1_ approved the Company’s standalone financial statements for the period from January 01, 2021 to December 31, 2021 and the Management Report on the Company’s operations published in the interim report dated April 8, 2022,
2_ approved the consolidated financial statements of the PragmaGO S.A. Capital Group for the period from January 01, 2021 to December 31, 2021 and the Management Report on the operations of the PragmaGO S.A. Capital Group published in the interim report dated April 8, 2022,
3_ allocated the profit earned in 2021 in the amount of PLN 3,995,288.20 in full to reserve capital,
4_ discharged all members of the Company’s Board of Directors for the performance of their duties in 2021,
5_ discharged all members of the Company’s Supervisory Board for the performance of their duties in 2021.

RB 16/2022

The Issuer’s Management Board announces that on May 27, 2022, it adopted a resolution to issue Series U Bonds, set the terms of their issuance, dematerialize them and introduce the Bonds to trading on Catalyst. The issue comprises no more than 100,000 Series U secured ordinary bearer bonds _ the “Bonds”_. The Issuer intends to apply for the introduction of the Bonds to the alternative trading system on Catalyst. Following the allotment, the Issuer will immediately take steps to dematerialize and register the Bonds with the National Securities Depository.
The issue will be successful if at least 50,000 Bonds are properly subscribed and paid for _the issue threshold_. The par value of each Bond is PLN 100. The issue price is equal to the par value. The Bonds shall be redeemed by the Issuer within 4 years from the date of allotment. The Bonds shall be redeemed by payment of a cash amount equal to the nominal value of the Bonds. The Bonds shall bear interest. The interest rate on the Bonds will be determined based on a variable prime rate of WIBOR3M, plus a margin. The interest rate on the Bonds will be fixed for a given interest period. The rules for determining the final interest rate on the Bonds for individual interest periods are set forth in the terms and conditions of the Bond issue.
The Bonds will be secured in particular by a registered pledge on a set of existing and future receivables of variable composition, constituting an economic whole, and a registered pledge on receivables from the Issuer’s bank account. The Bonds will also be secured by 3 blank promissory notes issued by the Issuer, together with a promissory note declaration, as well as the Issuer’s statement on submission to execution under Article 777 § 1 pt. 5 of the CCP up to PLN 12,000,000.
On May 27, 2022. The Issuer entered into a registered pledge agreement with Chabasiewicz Kowalska i Wspólnicy S.K.A., headquartered in Cracow, as collateral administrator, a registered pledge agreement on a set of variable rights, a registered pledge agreement on receivables from the Issuer’s bank account and an agreement on the appointment of a pledge administrator.
Legal basis: Article 17 (1) MAR – confidential information.

RB 15/2022

In accordance with the Terms of Issuance of bonds of series P, R, S, A1, A2 and T, PRAGMAGO S.A. presents a report on the status of the subject of the pledge securing the claims of bondholders of these series. As of April 30, 2022, the nominal value of the receivables included in the set of pledged receivables for each series was.

For the P series, PLN 12,008,439.

For the R series, PLN 14,410,717.

For the S series, PLN 8,452,889.

for the A1 series, PLN 19,208,408.

for the A2 series, PLN 20,862,723.

For the T series, PLN 19,204,398.

Total value of the collection: PLN 94,147,573.

There was no shortage condition

Total receipts to the pledged bank account established to secure receivables under the Series P, R, S, A1, A2 and Series T Bonds for the last 6 months amounted to PLN 181,411,702.

The value of the Loss Ratio as of 30/04/2022 is 0.55%

Legal basis – Article 17 (1) of Regulation (EU) No. 596/2014 of the European Parliament and of the Council (MAR).

RB 14/2022

The Management Board of PragmaGO S.A. “Company” informs that on May 12, 2022, the District Court of Katowice-East in Katowice registered an increase in the Issuer’s share capital by the amount of PLN 1,334,222.00. The Issuer’s share capital was increased through the issuance of 1,334,222 series H bearer shares. After registration of the increase, the Company’s share capital amounts to PLN 5,933,860.00 and is divided into 5,933,860 shares with a nominal value of PLN 1.00 each, including:

1_ 703,324 registered shares of series A preferred as to voting so that each share has 2 votes;
2_ 1,200,000 series B bearer shares;
3_ 662,586 series C bearer shares;
4_ 186,257 series D bearer shares;
5_ 1,657,459 series E bearer shares;
6_ 154,889 series F bearer shares;
7_ 35,123 series G bearer shares;
8_ 1,334,222 series H bearer shares. The total number of votes from all issued shares of the Issuer is 6,637,184.
The share capital increase was carried out on the basis of Resolution No. 1 of the Extraordinary General Meeting of Shareholders dated March 15, 2022, which the Issuer announced in Current Report No. 9/2022 dated March 15, 2022.

RB 13/2022

In accordance with the Terms and Conditions of Issuance of bonds of series P, R, S, A1, A2 and T, PRAGMAGO S.A. presents a report on the status of the pledged receivables securing the claims of bondholders of these series. As of March 31, 2022, the nominal value of the receivables included in the set of pledged receivables for each series was.

For the P series, PLN 12,164,657.

For the R series, PLN 14,497,128.

For the S 8 series 401,800 PLN.

For the A1 series, PLN 19,201,858.

for the A2 series, PLN 20,655,932.

For the T series, PLN 19,202,987.

Total value of the collection: PLN 94,124,363.

There was no shortage condition

Total receipts to the pledged bank account established to secure receivables under the Series P, R, S, A1, A2 and Series T Bonds for the last 6 months amounted to PLN 182,073,423.

The value of the Loss Ratio as of 31/03/2022 is 0.65%.

Legal basis – Article 17 (1) of Regulation (EU) No. 596/2014 of the European Parliament and of the Council (MAR).

RB 12/2022

The Management Board of PragmaGO S.A. “the Company” informs that on March 25, 2022, the District Court of Katowice-East in Katowice registered an increase in the Issuer’s share capital by PLN 190,012.00. The Issuer’s share capital was increased through the issuance of 154,889 series F bearer shares and 35,123 series G bearer shares.
After registration of the increase, the Company’s share capital amounts to PLN 4,599,638.00 and is divided into 4,599,638 shares with a nominal value of PLN 1.00 each, including:
1_ 703,324 registered shares of series A preferred as to voting so that each share has 2 votes;
2_ 1,200,000 series B bearer shares;
3_ 662,586 series C bearer shares;
4_ 186,257 series D bearer shares;
5_ 1,657,459 series E bearer shares;
6_ 154,889 series F bearer shares;
7_ 35,123 series G bearer shares.

The total number of votes from all issued shares of the Issuer is 5,302,962.
The share capital increase was carried out on the basis of Resolution No. 3 of the Extraordinary General Meeting of Shareholders dated December 15, 2021, which the Issuer announced in Current Report No. 82/2021 dated December 15, 2021.

RB 11/2022

The Management Board of PragmaGO S.A. _”Issuer”_ informs that on March 23, 2022. Mr. Daniel Mączyński submitted his resignation from the position of Vice President of the Issuer’s Management Board.
The resignation is submitted with effect from March 23, 2022 and is justified by personal reasons.

Legal basis – Article 17 (1) of the Regulation of the European Parliament and of the Council _EU_ No. 596/2014 _MAR_.

RB 10/2022 In accordance with the Terms of Issuance of bonds of series P, R, S, A1, A2 and T, PRAGMAGO S.A. presents a report on the status of the subject of the pledge securing the claims of bondholders of these series. As of February 28, 2022, the nominal value of the receivables included in the set of pledged receivables for each series was. For the P series, PLN 12,124,894. For the R series, PLN 14,423,804. For the S series, PLN 8,405,957. for the A1 series, PLN 19,200,571. For the A2 series, PLN 20,420,629. for the T series, PLN 19,289,765. Total value of the collection: PLN 93,865,619. There was no deficiency condition Total receipts to the pledged bank account established to secure the receivables from the Series P, R, S, A1, A2 and Series T Bonds for the last 6 months amounted to PLN 175,979,781. The value of the Loss Ratio as of 28/02/2022 is 0.55%. Legal basis – Article 17 (1) of the Regulation of the European Parliament and of the Council _EU_ No. 596/2014 _MAR_.

RB 9/2022

The Management Board of PragmaGO S.A. “Issuer” or “Company” informs that on March 15, 2022. Extraordinary General Meeting of Shareholders, convened pursuant to Article 405 § 1 of the Code of Commercial Companies, adopted a resolution on increasing the Company’s share capital through the issuance of series H shares and on depriving existing shareholders of the entire preemptive right to all series H shares.
Pursuant to Resolution No. 1 of the Extraordinary General Meeting of Shareholders of March 15, 2022, the Company’s share capital is increased by PLN 1,334,222.00 to PLN 5,933,860.00 through the issuance of 1,334,222 series H shares with a nominal value of PLN 1 each. The total issue price of series H shares is PLN 20,000,000.00.
The issue of series H shares will be carried out by way of a private placement addressed to an individually specified shareholder, i.e. to: Polish Enterprise Funds SCA, based in Luxembourg.

Legal Basis: Article 17 (1) of the EU Parliament and Council Regulation No. 596/2014 MAR.

RB 8/2022

In accordance with the Terms of Issuance of bonds of series O, P, R, S, A1, A2 and T, PRAGMAGO S.A. presents a report on the status of the subject of the pledge securing the claims of bondholders of these series. As of January 31, 2022, the nominal value of the receivables included in the set of pledged receivables for each series was.

for the O series PLN 13,002,152.

For the P series, PLN 13,101,773.

For the R series, PLN 15,780,302.

For the S series, PLN 9,117,318.

for the A1 series PLN 20,802,644.

For the A2 series, PLN 22,102,405.

for the T series 20,819,378 zloty.

Total value of the collection: PLN 114,725,972.

Total receipts to the pledged bank account established to secure receivables under the Series P, R, S, A1, A2 and Series T Bonds for the last 6 months amounted to PLN 168,565,747.

Legal basis – Article 17 (1) of Regulation (EU) No. 596/2014 of the European Parliament and of the Council (MAR).

RB 7/2022

Pursuant to § 80 section 1 of the Ordinance of the Minister of Finance dated March 29, 2018 on current and periodic information published by issuers of securities and conditions for recognizing as equivalent information required by the laws of a non-member state (hereinafter – the Ordinance), the Management Board of PragmaGO S.A. informs that periodic reports in 2022 will be made public on the following dates:
1. unconsolidated and consolidated annual report for 2021. – April 8, 2022
2. Extended consolidated quarterly report for Q1 2022. – May 25, 2022
3. Expanded consolidated report for H1 2022. – September 15, 2022
4. Expanded consolidated quarterly report for Q3 2022. – November 25, 2022
At the same time, the Company’s Management Board declares that:
1. in accordance with § 79(2) of the Ordinance, the Issuer will not submit quarterly reports for the fourth quarter of the 2021 fiscal year and quarterly reports for the second quarter of the 2022 fiscal year,
2. in accordance with § 62(1) of the Ordinance, the Issuer will submit consolidated quarterly reports for the first and third quarters of the 2022 fiscal year containing quarterly financial information and will not submit separate individual quarterly reports for these reporting periods,
3. In accordance with Section 62(3) of the Ordinance, the Issuer will not publish a separate semi-annual report, and therefore the consolidated semi-annual report for the first half of fiscal 2022 will include the condensed semi-annual financial statements together with the report of the auditing firm and the condensed financial statements.

RB 6/2022

The Management Board of PragmaGO S.A. (“Issuer”, “Company”) announces that on January 28, 2022, it adopted a resolution on the establishment of the Third Public Bond Issuance Program (“III PEO”).
Upon approval of the Third PEO Base Prospectus (the “Prospectus”) by the Financial Supervisory Commission (the “FSC”), the Issuer will be authorized to issue and conduct public offerings of bonds (the “Bonds”) under the Third PEO with an aggregate nominal value of no more than PLN 150,000,000 _one hundred and fifty million_, within a period of no more than twelve months from the date of approval of the Prospectus by the FSC. The Bonds shall be dematerialized bearer bonds. Individual series of Bonds may have different detailed terms and conditions of issuance, including rules regarding interest rates and their amounts, as well as the redemption dates of the Bonds _but not longer than 5 years from the date of allotment of the Bonds of each series_. The Bonds will be admitted and introduced to organized trading on the Catalyst market, on a regulated market or in an alternative trading system. Bonds issued under PEO III may be secured bonds or unsecured bonds. In the case of Secured Bonds, the details of the collateral will be specified in the Prospectus and the final terms of issue of each series of Secured Bonds, in particular, Secured Bonds may be secured by a registered pledge on a floating set of receivables and a registered pledge on receivables from the Issuer’s bank account.
PragmaGO has been an issuer present on the Catalyst market since 2011. In total, the company issued 21 series of bonds worth PLN 286 million, with all series fully subscribed. 14 bond series worth PLN 198 million have been redeemed on time or early. The total face value of the currently listed bonds is PLN 88 million. The early redemption of series O bonds has been scheduled for February 3, 2022, the remaining series of bonds are long-term _matured in 2023 – 2025_.

Legal basis: Article 17 (1) of Regulation (EU) No. 596/2014 of the European Parliament and of the Council (MAR).

RB 5/2022 K

With reference to current report No. 5/2022 dated January 20, 2022, the Management Board of PragmaGO S.A. (the “Company”) hereby corrects its content by changing the number of series O bonds subject to early redemption indicated in the report from incorrect – i.e. 100,000,000 series O bonds – to correct – i.e. 100,000 (one hundred thousand) series O bonds. As a result, the corrected section of the report reads:

“The early redemption includes all series O bonds, i.e. 100,000 units with a total face value of PLN 10 million.”
The remaining content of the corrected current report remains unchanged.

Legal basis: § 15 (2) of the Regulation of the Minister of Finance dated March 29, 2018 on current and periodic information provided by issuers of securities (…).

RB 5/2022

The Management Board of PragmaGO S.A. (the “Issuer”) informs that on January 20, 2022 it adopted a resolution on early redemption of series O bonds. The decision on early redemption is based on Article 76(1) of the Bond Law and para. 8 of the terms of issue. The early redemption includes all series O bonds, i.e. 100,000,000 units with a total nominal value of PLN 10 million. The bonds will be redeemed for cancellation. The date for determining the entities entitled to receive benefits from the early redemption of the bonds was set for January 27, 2022, and the early redemption date was set for February 03, 2022. To each bondholder entitled under the bonds, in accordance with the terms of the issue, on the redemption date, the Issuer will pay the Early Redemption Amount, which consists of the bond principal, premium and interest. All settlement of the Series O bonds will be carried out through the National Securities Depository S.A.

Legal basis – Article 17 (1) of Regulation (EU) No. 596/2014 of the European Parliament and of the Council (MAR).

RB 4/2022

The Management Board of the Issuer PragmaGO S.A. informs that on January 19, 2022. The Management Board of the Warsaw Stock Exchange adopted Resolution No. 55/2022 to designate January 21, 2022 as the first day of trading in the alternative trading system on the Catalyst market of 160,000 series T bearer bonds issued by PragmaGO S.A., designated by the National Securities Depository with the code PLGFPRE00248. The bonds will be listed in the continuous trading system under the abbreviated name “PRF1225.”

Legal basis: § 17 (1) (4) of the Regulation of the Minister of Finance dated March 29, 2018. On current and periodic information (…).

RB 3/2022

The Management Board of PragmaGO S.A. “Issuer” informs that on January 14, 2022. The Management Board of the Warsaw Stock Exchange adopted Resolution No. 42/2022 on the introduction to the alternative trading system on the Catalyst market of 160,000 series T bearer bonds issued by PragmaGO S.A. with a nominal value of PLN 100 each. In connection with the adoption of the aforementioned resolution on the introduction, the Issuer also informs that the registration of the bonds in the National Depository for Securities will take place within 3 days from the date of receipt by the NDS of documents confirming their introduction to the alternative trading system. The resolution came into effect on the date of adoption.

Legal basis: § 17 (1) (2) of the Regulation of the Minister of Finance dated March 29, 2018 on current and periodic information _…_.

RB 2/2022

In accordance with the Terms of Issuance of bonds of series O, P, R, S, A1, A2 and T, PRAGMAGO S.A. presents a report on the status of the subject of the pledge securing the claims of bondholders of these series. As of December 31, 2021, the nominal value of the receivables included in the set of pledged receivables for each series was.

for the O series PLN 13,023,345.

for the P series, PLN 13,002,346.

For the R series, PLN 15,644,004.

for the S series PLN 9,100,832.

for the A1 series PLN 20,832,298.

For the A2 series, PLN 22,102,207.

for the T-series PLN 20,840,667.

Total value of the collection: PLN 114,545,698.

Total receipts to the pledged bank account established to secure receivables under the Series P, R, S, A1, A2 and Series T Bonds for the last 6 months amounted to PLN 158,181,282.

Legal basis – Article 17 (1) of Regulation (EU) No. 596/2014 of the European Parliament and of the Council (MAR).

RB 1/2022

The Management Board of PragmaGO S.A. _Emitter_ informs that on January 4, 2022, the National Depository for Securities (NDS) issued a statement that it has entered into an agreement with the Issuer to register in the depository 160,000 series T bearer bonds, which have been assigned ISIN code: PLGFPRE00248. The registration will take place within 3 days of receipt by the NDS of documents confirming the introduction of the aforementioned bonds to the alternative trading system.