MERCADOLIBRE - INVESTOR CALL Q3 FOLLOW UP / REVISITING CREDIT ECONOMICS RICHARD CATHCART

Following Q3s reported after close hit by weaker Fintech profitability - see MercadoLibre Q3 24 - Credit cards drive NIMAL and group EBIT miss - we are pleased to host RICHARD CATHCART from MERCADOLIBRE IR to dive into trends in Credit Cards and lending as well as broader Fintech. We'll also touch on E-Comm, new investments in logistics and all areas of interest to investors.

Tune in for a deeper dive into Q3 trends and current talking points:

• Weaker Credit NIMAL and dilution from credit cards
• Future pacing of loan book originations. Further acceleration to come?
• Momentum in cards and lending in Mexico vs Brazil. Competitive dynamics.
• What about the macro? Higher rates and drivers of future credit
• Acquiring strength and opportunities in Software
• E-Comm update across LatAm:
  • Consumer strength into Q4. Argentina - demand holding up?
  • Fulfilment rollout and payback
  • MELI Mas and loyalty update
  • Digital Ad