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About Kaspi.kz Our Platforms Governance Financial Information News and Events IR
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THE LARGEST PAYMENTS, MARKETPLACE AND FINTECH ECOSYSTEM
IN KAZAKHSTAN

#1
Payments
#1
Marketplace
#1
Fintech
 * About
   Kaspi.kz
 * Our
   Platforms
 * Financial
   Information


OUR MOBILE APP

All our services in one Mobile App
becoming part of our customers’ daily lives

Learn more


OUR PLATFORMS

We have developed an integrated consumer-focused Ecosystem of innovative and
diversified services around our three revenue-generating Platforms. Our
Platforms enable participants to connect and interact, creating value for each
participant of the Kaspi.kz Ecosystem.

 * Payments
 * Marketplace
 * Fintech




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.

If you are not permitted to view the Materials or are in any doubt as to whether
you are permitted to view the Materials, please exit this website. The Materials
must not be released or otherwise forwarded, distributed or sent in or into the
United States, Australia, Canada, Japan or any other jurisdiction where to do so
is unlawful.

BASIS OF ACCESS

Access to the Materials is being granted on the website by the Company in good
faith and for information purposes only. Any person seeking access to this
website represents and warrants to the Company that they are doing so for
information purposes only. Making press announcements and other documents
available in electronic format does not constitute an offer to sell or the
solicitation of an offer to buy any securities in the Company. Further, it does
not constitute a recommendation by the Company or any other party to sell or buy
securities in the Company.

CONFIRMATION OF UNDERSTANDING AND ACCEPTANCE OF DISCLAIMER

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or any other jurisdiction where accessing the Materials or the website is
unlawful, and I agree that I will not transmit or otherwise send (by any means
including by electronic transmission) any Materials (either in whole or in part)
to any person in the United States, Australia, Canada or Japan or any other
jurisdiction where to do so is unlawful.

I have read and understood the information set forth above and agree to be bound
by its terms. I understand that the terms set out above may affect my rights. By
clicking the ‘Agree’ button I confirm that I am permitted to proceed to
electronic versions of the Materials.

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