144 0002071943 XXXXXXXX LIVE 0002046042 Jefferson Capital, Inc. / DE 001-42718 600 SOUTH HIGHWAY 169, SUITE 1575 MINNEAPOLIS MN 55426 (320) 229-8505 Person Penelope JoAnn Officer Common Fidelity Brokerage Services LLC

900 Salem Street Smithfield RI 02917

246 5421.84 57425536 08/25/2026 NASDAQ Common 06/25/2026 Restricted Stock Vesting Issuer N 246 06/25/2026 Compensation Y 08/25/2026 /s/ Joshua Schmitt, as a duly authorized representative of Fidelity Brokerage Services LLC, as attorney-in-fact for Penelope Person.