MERCADOLIBRE INC

International Finance Corporation Loan Agreement

On November 4, 2026, Mercado Livre Brasil Ltda. (“MELI Brasil”) and Mercado Pago Instituição de Pagamento Ltda. (“Mercado Pago” and, together with MELI Brasil, the “Borrowers”), each a subsidiary of the Company, each entered into a loan agreement with International Finance Corporation (“IFC”) (together, the “IFC Loan Agreements”). The IFC Loan Agreements provide for senior unsecured term loans in an aggregate principal amount of $735 million, allocated equally between the Borrowers. The loans consist of: (i) loans funded by IFC in an aggregate amount of $250 million ("A") and (ii) loans in an aggregate amount of $485 million, funded by participating financial institutions, for which IFC acts as lender of record ("B"). The A loans mature 5 years, and the B loans 3 years, after their respective first disbursements, and each is repayable in a single installment at maturity. The proceeds will be used to finance the early settlement of credit card receivables of micro, small and medium-sized businesses in Brazil’s Amazon Region, originated in transactions processed by Mercado Pago.

The loans bear interest at six-month Term SOFR plus 1.05% per annum, payable semi-annually. On the date that is three years after the first A loan disbursement, the spread on the A loans will be adjusted once, upward or downward by 0.15% per annum per notch based on any downgrade or upgrade of the Company’s credit rating from its June 2026 level. The Borrowers may prepay the loans, in whole or in part, on not less than 30 days’ notice, with partial prepayments in a minimum amount of $50 million. Voluntary prepayments are subject to a prepayment premium interpolated on the remaining time to final maturity, ranging from 0.50% (five years or more) down to 0% (one year or less), plus unwinding costs if made other than on an interest payment date. The Borrowers will also pay customary commitment, front-end and other fees.

The Company has fully and unconditionally guaranteed each Borrower’s obligations under the IFC Loan Agreements, on an unsecured basis, under a parent company guarantee agreement with IFC (the “Guarantee”).

The IFC Loan Agreements and the Guarantee contain representations, warranties, covenants and events of default customary for financings of this type. These include limitations on liens, mergers and sale-and-leaseback transactions generally consistent with those in the indenture governing the 2036 Notes. They also include reporting and environmental, social and governance covenants. The events of default include cross-acceleration and judgment default provisions with a $200 million threshold. In addition, the Borrowers must prepay the loans upon a change of control accompanied by a rating downgrade. If an event of default occurs, IFC may accelerate the loans. The IFC Loan Agreements and the Guarantee are governed by New York law.

As of the date of this report, no amounts have been disbursed under the IFC Loan Agreements. The Borrowers expect the first disbursement to occur in November 2026.

Rule 10b5-1 Trading Plans

During the three-month period ended September 30, 2026, none of the Company’s directors or officers (as defined in Rule 16a-1(f) under the Exchange Act) adopted or terminated any contract, instruction or written plan for the purchase or sale of Company securities that was intended to satisfy the affirmative defense conditions of Rule 10b5-1(c) under the Exchange Act or any “non-Rule 10b5-1 trading arrangement” as defined in Item 408(c) of Regulation S-K.