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Prospectus Brochure of the Bond 4 Finance Prospectus dated 5 August 2016 http://www.oblible.com 4finance S.A. Luxembourg Listing Prospectus EUR 100,000,000.00 11.25 % Senior Notes 2016/2021 (the “Notes”) with a Term from 23 May 2016 until 22 May 2021 of 5 August 2016 International Securities Identification Number (ISIN): XS1417876163 German Securities Identification Number (Wertpapierkennnummer WKN): A181ZP Common Code: 141787616 4finance S.A. (the "Issuer"), a public limited liability company (Société Anonyme) incorporated and existing under the laws of the Grand Duchy of Luxembourg has issued EUR 100,000,000.00 aggregate principal amount of its 11.25% Notes due 2021. The Notes constitute direct, general, unconditional, unsubordinated and unsecured obligations of the Issuer. The Notes will at all times rank pari passu in right of payment with all other present and future unsecured obli- gations of the Issuer and senior to all its existing and future subordinated debt. The Notes are unconditionally and irrevocably guaranteed on a joint and several basis by 4finance Holding S.A. ("Holdco"), the Issuers indi- rect parent company, and by certain other direct and indirect subsidiaries of Holdco, including the Issuer’s di- rect parent company (the "Subsidiary Guarantors" and together with Holdco the "Guarantors" and each a "Guarantor" under the terms and conditions set forth herein (collectively the "Guarantees" and each a "Guar- antee"). This document (the “Prospectus”) constitutes a prospectus pursuant to Article 5 para. 3 of the Directive 2003/71/EC of the European Parliament and of the Council of 4 November 2003 on the prospectus to be pub- lished when securities are offered to the public or admitted to trading as amended by the Directive 2010/73/EC of the European Parliament and of the Council for the purpose of a public offering of the Notes in the Grand Duchy of Luxembourg and the Federal Republic of Germany. This Prospectus has been approved by the Lux- embourg Commission for the Supervision of the Financial Sector (Commission de Surveillance du Secteur Fi- nancier – “CSSF”) and has been applied to be notified to the German Federal Financial Supervisory Authority (Bundesanstalt für Finanzdienstleistungsaufsicht – “BaFin”) in accordance with Article 19 of the Luxembourg Law of 10 July 2005 on prospectuses for securities, as amended. Pursuant to Article 7 para. 7 of the Luxem- bourg Law of 10 July 2005. By approving the Prospectus, the CSSF does not take any responsibility for the economic or financial soundness of the transaction and the Issuer’s quality and financial solvency. The ap- proved prospectus may be downloaded from the Issuer’s website (www.4finance.com) and the website of the Luxembourg stock exchange (www.bourse.lu). Application has been made to the Frankfurt Stock Exchange for the Notes to be admitted to trading on Frankfurt Stock Exchange's regulated market segment (Prime Standard für Anleihen), segment for bonds of Deutsche Börse AG. Prospectus investors should be aware, that an investment in the Notes involves a risk and that, if cer- tain risks, in particular those described under "Risk Factors", occur, the investors may lose all or a very substantial part of their investment. Notes may only be issued/offered if these meet the relevant legal requirements. The distribution of this Pro- spectus and the offer which is outlined in this Prospectus may be limited by certain legislation. Any person who enters into possession of this Prospectus must take these limitations into consideration. The Notes are not and will not be registered, particularly in accordance with the United States Securities Act of 1933, as amended (the “Securities Act”) or in accordance with securities law of individual states of the United States of America. Furthermore, they are not permitted to be offered or sold within the United States of America, or for the account or benefit of a person from the United States of America (as defined under Regulation S under the Securities Act), unless this ensues through an exemption of the registration requirements of the Securities Act or the laws of individual states of the United States of America or through a transaction, which is not subject to the aforementioned provisions. 1 http://www.oblible.com TABLE OF CONTENTS I. SUMMARY OF THE PROSPECTUS ................................................................................ 5 A Introduction and Warnings ................................................................................................. 5 B Issuer ................................................................................................................................. 5 B(i) Guarantor – Holdco ...................................................................................................... 10 B(ii) Guarantor – AS 4finance (Latvia) ................................................................................ 11 B(iii) Guarantor – 4finance ApS (Denmark) ........................................................................ 12 B(iv) Guarantor – UAB 4finance (Lithuania) ....................................................................... 14 B(v) Guarantor – 4finance Oy (Finland) .............................................................................. 15 B(vi) Guarantor – 4finance AB (Sweden) ........................................................................... 17 B(vii) Guarantor – Vivus Finance Sp. z o.o. (Poland) ......................................................... 18 B(viii) Guarantor – Vivus Finance S.A. (Spain) ................................................................... 19 B(ix) Guarantor – UAB Credit Service (Lithuania) .............................................................. 20 B(x) Guarantor – 4finance LLC (Georgia) ........................................................................... 21 C Securities ......................................................................................................................... 22 D Risks ................................................................................................................................ 23 E Offer ................................................................................................................................. 27 II. GERMAN TRANSLATION OF THE SUMMARY (DEUTSCHE ÜBERSETZUNG DER ZUSAMMENFASSUNG) ........................................................................................................ 28 A Einleitung und Warnhinweise .......................................................................................... 28 B Emittent ............................................................................................................................ 28 B(i) Garantiegeberin – Holdco ............................................................................................ 35 B(ii) Garantiegeberin – AS 4finance (Lettland) ................................................................... 36 B(iii) Garantiegeberin – 4finance ApS (Dänemark) ............................................................ 37 B(iv) Garantiegeberin – UAB 4finance (Litauen) ................................................................ 39 B(v) Garantiegeberin – 4finance Oy (Finnland) .................................................................. 40 B(vi) Garantiegeberin – 4finance AB (Schweden) .............................................................. 42 B(vii) Garantiegeberin – Vivus Finance Sp. z o.o. (Polen) ................................................. 44 B(viii) Garantiegeberin – Vivus Finance S.A. (Spanien) ..................................................... 45 B(ix) Garantiegeberin – UAB Credit Service (Litauen) ....................................................... 46 B(x) Garantiegeberin – 4finance LLC (Georgien) ............................................................... 48 III. RISK FACTORS .......................................................................................................... 57 IV. GENERAL INFORMATION ......................................................................................... 79 Responsibility Statement .................................................................................................... 79 Subject of this Prospectus .................................................................................................. 79 References .......................................................................................................................... 79 Hyperlinks ........................................................................................................................... 79 Forward-looking Statements ............................................................................................... 79 Third Party Information ....................................................................................................... 80 Presentation of Financial Information ................................................................................. 80 Credit Ratings ..................................................................................................................... 81 Further notes regarding this Prospectus ............................................................................. 82 Documents available for Inspection .................................................................................... 82 V. USE OF PROCEEDS .................................................................................................. 83 VI. CAPITALIZATION ......................................................................................................
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