Disclaimers and footnotes

Modu is a financial technology company, not a bank. Banking and payment services in Kazakhstan are provided by Bank RBK JSC (License No. 1.2.100/245/41, issued by the Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market – AFRDFM). All client accounts and transactions are held and processed by Bank RBK JSC under applicable laws of the Republic of Kazakhstan.

Funds deposited into Modu Business Accounts are protected by the Kazakhstan Deposit Insurance Fund (KDIF) within the limits established by law. Deposit insurance covers the failure of an insured bank.

Modu operates as a Banking-as-a-Service (BaaS) platform, providing financial technology services in partnership with Bank RBK JSC and other licensed financial institutions. Certain additional services, including payment processing, lending, or investment products, may be offered through Modu’s partners or affiliates under separate licenses.

All loans are subject to approval, including credit and collateral assessment, and may carry restrictions on availability. Nothing herein should be construed as a commitment to lend. Investing in securities or treasury products involves risk, including possible loss of principal. Past performance is not a guarantee of future results.

Cards issued under the Modu program are provided by licensed banking partners pursuant to agreements with Mastercard® or Visa®. Cards can be used where Mastercard® or Visa® cards are accepted, subject to applicable restrictions.

Modu does not provide legal, tax, or investment advice. Please consult your advisors regarding your specific situation.