Notice to Shareholders Regarding the Procedure for Exercising Preemptive Rights to Purchase Newly Issued Shares

Dear Shareholders,

In response to the questions received from shareholders regarding the procedure for exercising the pre-emptive right to purchase newly issued shares, JSCMB «Ipoteka-Bank» considers it necessary to provide additional clarification on this matter and to supply detailed information on all related questions.

This notice explains the procedure for calculating the number of shares available for purchase, the payment terms, the methods for submitting an application, and the procedure for executing a share purchase agreement.

I. How to calculate the number of shares available for purchase

Each shareholder is entitled to purchase newly issued shares in proportion to the number of shares they held as of the shareholder register date — 18 March 2026.

Reference data:

— Total number of issued shares: 3 834 217 638 941 shares

— Number of newly issued shares: 391 305 000 000 shares

Calculation formula:

(Your shares as of 18.03.2026 ÷ 3,834,217,638,941) × 391,305,000,000 = number of shares available to you under the pre-emptive right

Example calculation:

Suppose a shareholder held 10,000,000 shares as of the shareholder register date of 18 March 2026. The calculation would be as follows:

10,000,000 ÷ 3,834,217,638,941 × 391,305,000,000 ≈ 1,020,524 shares

Accordingly, this shareholder is entitled to purchase approximately 1,020,524 newly issued shares under the pre-emptive right.

Note: A shareholder may exercise their pre-emptive right in full or in part and may indicate in their application any number of shares not exceeding the calculated maximum.

How to find out your number of shares:

If you do not know the exact number of shares you held as of the shareholder register date of 18 March 2026, please contact:

— your investment intermediary (broker);

— JSC «Central Securities Depository» — if you do not know which investment intermediary (broker) your account is held with.

Contact details:

JSC «Central Securities Depository»

Address: 100170, Tashkent, Mirzo-Ulugbek district, Mustaqillik Avenue, 107

Phone: +998 71 211 09 09

Email: info@uzcsd.uz

Website: www.uzcsd.uz

II. Payment for shares — amount and banking details

To participate in the share placement, a shareholder must transfer funds to the settlement account of JSCMB «Ipoteka-Bank» prior to the share placement date.

Amount payable:

Amount payable = Number of shares to be purchased × 1.1 UZS

Bank transfer details:

Bank name: JSCMB «Ipoteka-Bank»

Bank TIN (INN): 202858483

Bank MFO: 00937

Settlement account: 29830000400000937102

Payment reference: Payment for newly issued shares of JSCMB «Ipoteka-Bank» under pre-emptive right. Full name of shareholder, PIN — _______________ (for individuals). Organisation name, TIN — _______________ (for legal entities).

Important: Payment must be received in the account of JSCMB «Ipoteka-Bank» no later than 10 May 2026.

III. Application submission procedure

To exercise the pre-emptive right, shareholders must submit an application in the prescribed form (attached to this notice) to the Bank no later than 10 May 2026. The application may be submitted in one of the following ways:

— By post — to the Bank's postal address indicated below. It is recommended to send by registered mail with acknowledgement of receipt.

— By email — a scanned copy of the signed application should be sent to info@ipotekabank.uz.

The following documents must be enclosed with the application:

— for individuals — a copy of the identity document, certificate of permanent residence registration, and proof of payment;

— for legal entities — a copy of the state registration certificate and a copy of the payment order.

Contact details:

JSCMB «Ipoteka-Bank»

Address: 100000, Tashkent, Mirzo-Ulugbek district, Shahrisabz Street, 30

Email: info@ipotekabank.uz; dividends@ipotekabank.uz

Phone: +998 78 150 11 22 / 1233

Application deadline: on or before 10 May 2026

IV. Placement date and execution of the share purchase agreement

Following the expiry of the application period, JSCMB «Ipoteka-Bank», together with investment intermediary LLC «Dalal Standart», will distribute the newly issued shares among shareholders who have submitted applications and made payment. The share placement commencement date is 18 May 2026.

Execution of the share purchase agreement:

Upon completion of the placement, each participant is required to execute a share purchase agreement. This may be done in one of the following ways:

	Method	Procedure
1.	In-person visit to the office	The shareholder visits the office of LLC «Dalal Standart» in person to sign the agreement. A valid identity document (passport) must be presented
2.	Through an authorised representative	The shareholder may grant a notarised power of attorney to a representative to sign the share purchase agreement on their behalf

V. Investment Intermediary (Broker) — LLC «Dalal Standart»

The investment intermediary (broker) for this placement is LLC «Dalal Standart». All questions relating to the preparation and signing of the share purchase agreement should be directed to the following contacts:

Contact details:

LLC «Dalal Standart»

Address: Tashkent, 100170, Mustaqillik Avenue, 107, 1st floor, office 115 (in the building of the Tashkent Republican Stock Exchange, landmark: opposite the University of Diplomacy)

Email: info@dalal.uz

Phone: +998 71 268 04 01, +998 90 187 51 25

Website: www.dalal.uz

VI. Contact details of JSCMB «Ipoteka-Bank»

For all enquiries relating to the exercise of the pre-emptive right, please contact JSCMB «Ipoteka-Bank»:

JSCMB «Ipoteka-Bank»

Address: 100000, Tashkent, Mirzo-Ulugbek district, Shahrisabz Street, 30

Email: info@ipotekabank.uz; dividends@ipotekabank.uz

Phone: +998 78 150 11 22 / 1233

Website: www.ipotekabank.uz