Company: FRHC
Filing Date: 2025-07-29
Form Type: ARS
Source: 0000924805-25-000027
Chunk: 17

Company: Freedom Holding Corp.
Filing Date: 2025-07-29
Form: ARS
Chunk 17
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 24 hours versus several weeks under the legacy process. • Digital auto loan. VIN and pricing data stream in real time from more than 300 partner dealerships and the national vehicle register. Compulsory car insurance is bundled automatically, contracts are e-signed, and funds reach the dealer the same day, allowing immediate vehicle delivery. • SME digital loan. Open-banking feeds import turnover data, while the tax-authority API confirms real-time filings and licenses. Working-capital lines are approved and loaded onto a corporate card within one business day; post-funding transaction data flow back into the Bank’s big-data lake for ongoing limit and risk management. Card products. Freedom Bank issues a vertically integrated family of Visa and Mastercard instruments, all opened, funded and controlled inside the SuperApp and if desired printed on-the-spot at a Cardomat kiosk after biometric KYC. Each card rides the same seven-currency ledger (KZT, USD, EUR, RUB, CNY, TRY, AED) and can be tokenised into Apple Pay, Google Pay or Samsung Pay within minutes of approval. • SuperCard (flagship multi-currency debit). Balances in any of seven currencies earn daily interest; real-time FX spreads tighten for higher-tier loyalty members. Collectible card faces - licensed designs from DC, Naruto and Rick & Morty - help segment the mass-affluent and Gen-Z markets and drive organic social promotion. • Freepay Card (revolving and installment credit). An on-demand limit is attached to the same account. For pay-in-full purchases the card behaves like debit; for larger tickets the SuperApp offers zero-interest installments or a revolving option at the point of sale. Credit limits and rates adjust dynamically based on spending, bureau performance and internal behavioral scores. • Invest Card (brokerage-linked). Sale proceeds from a customer’s Tradernet account sweep instantly to the card ledger, allowing securities liquidity to fund day-to-day purchases without pre-planning. Unspent card balances can be routed back to the brokerage account with one tap, eliminating idle cash drag. The product is the first of its kind in Kazakhstan and materially increases trading stickiness and interchange income. Table of Contents 14

• Power Card (parental-control prepaid). Designed for children aged 5-18, the card lets parents set spend ceilings, merchant category blocks and usage hours. APIs to education platforms trigger micro-cashback for good grades and attendance, reinforcing financial literacy and retention of the next generation of customers. • Premium Deposit Card (Vis