Changes to Public Offer Agreements

Dear Customers,

Please be informed that effective July 17, 2026, amendments will come into force for the following Public Offer Agreements:

• Public Offer Agreement on Opening a Financing Line and Concluding the Kard Agreement;
• Public Offer Agreement on Connecting to the “Adal Installment Plan” Goods and Services Sales Service.

MBANK — The First Digital!
NBKR License No. 014.