144 0002029485 XXXXXXXX LIVE 0001985487 Joint Stock Co Kaspi.kz 001-41921 154A NAURYZBAI BATYR STREET ALMATY 1P 050013 7 727 3306710 Kim Vyacheslav Director ADS UBS Financial Services Inc.

11 Madison Avenue 4th Floor New York NY 10010

1000000 74000000.00 190228000 03/10/2026 NASDAQ ADS 01/10/2024 RegS GDRs converted into ADS at the time of the Issuer IPO Issuer N 1000000 01/10/2024 Common Shares converted to ADS at the time of Issuer IPO Y 03/10/2026 12/09/2025 /s/ UBS Financial Services Inc., as attorney-in-fact for Vyacheslav Kim