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ELECTRONIC VERSIONS OF THE MATERIALS YOU ARE SEEKING TO ACCESS (THE “MATERIALS”) ARE BEING MADE AVAILABLE ON THIS WEBSITE BY JOINT STOCK COMPANY KASPI.KZ (THE “COMPANY”) FOR INFORMATION PURPOSES ONLY. THE MATERIALS ARE NOT DIRECTED AT OR INTENDED TO BE ACCESSIBLE BY PERSONS LOCATED IN THE UNITED STATES OF AMERICA (INCLUDING ITS TERRITORIES AND POSSESSIONS, ANY STATE OF THE UNITED STATES OF AMERICA AND THE DISTRICT OF COLUMBIA) (THE “UNITED STATES”) OR PERSONS RESIDENT OR LOCATED IN AUSTRALIA, CANADA, OR JAPAN OR ANY OTHER JURISDICTION WHERE THE EXTENSION OF AVAILABILITY OF THE MATERIALS WOULD BREACH ANY APPLICABLE LAW OR REGULATION.

IMPORTANT:: You must read the following notice carefully, as it applies to all persons who access this website. Please note that the disclaimer set out below may be altered or updated. You should read it in full each time you visit the site. If you access the Materials on this website, you agree to be bound by the terms and conditions below. If you do not agree to the terms and conditions, do not access this website or view any of the Materials.

Overseas persons

The Materials do not constitute or form a part of any offer or solicitation to purchase or subscribe for securities in the United States, Australia, Canada or Japan or in any jurisdiction where such offers or sales are unlawful (the “Excluded Territories”). Any securities issued or sold in connection with an offering have not been, and will not be, registered under the US Securities Act of 1933, as amended, (the “Securities Act”) or under any applicable securities laws of any state, province, territory, county or jurisdiction of Australia, Canada or Japan. Accordingly, unless an exemption under the relevant securities laws applies, any such securities cannot be offered, sold, resold, delivered, distributed or otherwise transferred, directly or indirectly, in or into the United States, Australia, Canada or Japan. There will be no public offering of the securities in the United States.

The Materials are only addressed to and directed at persons (i) in member states of the European Economic Area (“Member States”), who are qualified investors within the meaning of Article 2(e) of the Prospectus Regulation (2017/1129/EC), as amended, and related implementation measures (“Qualified Investors”), or (ii) in the United Kingdom, who are Qualified Investors (a) having professional experience in matters relating to investments falling within Article 19(5) of the Financial Services and Markets Act (Financial Promotion) Order 2005, as amended (the “Order”); (b) who are high net worth entities described in Article 49(2) (a) to (d) of the Order; or (c) other persons to whom they may lawfully be communicated (all such persons together being referred to as “Relevant Persons”). Any investment or investment activity to which the Materials relate is only available to Relevant Persons (in the United Kingdom) and/or to Qualified Investors (in Member States), and will only be engaged with such persons. Persons who are not Relevant Persons (in the United Kingdom) or Qualified Investors (in Member States) must not rely on or act upon the information contained the Materials.

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Basis of access

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