Public Offer Update

1 July 2026

Dear Customers,

OJSC "MBank" hereby notifies you of amendments to the Public Offer for the Conclusion of the Bank Service Agreement for Individuals on a Card Account with OJSC "MBank".

The updated version of the Public Offer will come into effect on July 15, 2026.

MBANK – The First Digital!

NBKR License No. 014