M E R I T U S U L A G A N J A d . d .

ISSUANCE OF SUSTAINABILITY-LINKED BOND

INVESTOR PRESENTATION- July, 2022

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This presentation is an advertisement and has been compiled in accordance with the provisions of Article 22 of Regulation (EU) 2017/1129 and Articles 13 to 16 of the Commission Delegated Regulation (EU) 2019/979.

Disclaimer

By accessing, reviewing, and/or listening to this presentation and other related materials and information, you acknowledge that you are aware of the restrictions set forth below and that you accept them.

This presentation is not intended for distribution outside the Republic of Croatia, nor for use by any person with registered seat or residence in any jurisdiction where such distribution is prohibited or requires obtaining of any permit, consent or approval. This presentation is intended solely for qualified investors as this term is defined by the Capital Market Act (Official Gazette no. 65/2018, 17/2020, 81/2021).

The information contained in this presentation was confirmed on the date of the presentation, or on other dates indicated in the presentation. The company Meritus ulaganja d.d., Zagreb, Ulica Vjekoslava Heinzela 62A, OIB: 62230095889 (hereinafter: "The Company") and its advisors note that there is a possibility that the abovementioned information related to the operations and overall status of the Company, other group members, and other affiliated companies, their financial position, assets, results of operations, and other circumstances changed after the date of this presentation. The Company, other members of the group, and other related companies, as well as their advisors, do not assume any responsibility for the assessments of interested parties who will have access to this presentation. This presentation and other materials cannot in any way serve as a substitute for other inquiries and procedures that interested parties would otherwise have to (or should) undertake or for the evaluations that they find necessary.

The contents of this presentation should not be considered a recommendation to purchase bonds or advice, including but not limited to advice related to investing in the Company's bonds, legal, or financial advice. Investors considering the possibility of buying and selling the Company's bonds are obliged to carry out their own comprehensive investigation, analysis, evaluation, and judgment of all data on facts, risks, trends, estimates, and forecasts related to the Company, other members of the group, and other affiliated companies. Potential investors should familiarize themselves with the content of the Simplified Prospectus for the issue via public offering and listing of bonds related to sustainable business operations ("Prospectus"), approved by HANFA, based on the decisiondated 14 July 2022, class: UP/I 996-02/22-01/06,registration number:326-01-60-62-22-16.The Prospectus is available on the Company's website:https://mplusgrupa.com/wp-

content/uploads/2022/07/Meritus-ulaganja-d.d.-Pojednostavljeni-prospekt-izdanja-javnom-ponudom-i-uvrstenja-obveznica-poveznih-s-odrzivim-poslovanjem.pdf.The HANFA's approval should

not be considered an approval of securities offered or listed for trading on the regulated market of the Zagreb Stock Exchange, Inc.

The information contained in this presentation has not been verified or confirmed by an independent person. The Company, other members of the group, and other affiliated companies, as well as their advisors, do not assume responsibility for the decisions of any person made on the basis of this presentation. Issue agent, Erste&Steiermärkische Bank d.d. and transactional legal advisors MAMIĆ PERIĆ REBERSKI RIMAC LAW FIRM Llc are in no way responsible for, nor do they provide guarantees, to any person, either directly or indirectly, on the truthfulness, content, and completeness of the information presented in this presentation or its presentation by the Company's representatives.

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M+ Group's representatives

Darko Horvat

Domagoj Karadjole

President of the Board

Group Chief Financial Officer

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Content

  1. M+ Group - introduction
  1. Industry trends and Business development
  1. The Group's approach to Sustainability

IV

Strong financial profile

  1. The M+ Group's management team

VI

Awards and Recognitions

VII

Key Highlights about M+ Group

VIII

Indicative terms and timeline of the Issuance

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Appendix

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M+ Group

Company overview

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Meritus ulaganja dd published this content on 15 July 2022 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 15 July 2022 08:13:02 UTC.