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1 Taobao 0 Handling Fee Promotion: The promotion period is from 1 November, 2026 to 30 November, 2026 (both dates inclusive). Participants who make a spending on Taobao Hong Kong (accessed via the Taobao HK App only) using a ZA Card via AlipayHK App will enjoy 0 Taobao handling fee discount (“Handling Fee Offer”), with the maximum handling fee waived of HKD 10 per transaction. The quota for Handling Fee Offer is 50,000 and available on a first-come first-served basis while stock lasts. Each participant can enjoy the Handling Fee Offer up to 2 times during this Promotion. The participation eligibility of the participants will be based on AlipayHK’s computer records. In the event of a return or refund, the refund will not include the amount of Handling Fee Offer and the number of applied Handling Fee Offer will not be reimbursed. The promotion is subject to its Terms and Conditions.

2 AlipayHK A. Point Reward Promotion: The promotion period is from 1 November, 2026 to 30 November, 2026 (both dates inclusive). To participate in this promotion, participants must first access the A. Point section in the AlipayHK App and click "Go" under the relevant mission in the "Earn A. Point" section and complete the enrollment. Registered participants who have enrolled in the "Taobao Mission" and make eligible Taobao transactions on Taobao Hong Kong (Chinese version only) accessed exclusively through the Taobao Hong Kong mobile application using a ZA Card through the AlipayHK App (“Eligible Transaction”) are entitled to receive 40x A. Point rewards (“40x A. Point Reward”). The maximum eligible transaction amount for the 40x A. Point Reward is HKD 1,000 per Participant per calendar month. Any transaction amount exceeding the aforesaid cap will not be entitled to the applicable A. Point Reward. The First Taobao Mission is only available to Participants who have never completed any Taobao transaction via the AlipayHK App using a ZA Card during the period from 1 January 2026 to 1 October 2026 (both dates inclusive). Registered Participants who have enrolled in the First Taobao Mission and complete their first Taobao Transaction via the AlipayHK App using a ZA Card with a single transaction amount of HKD 100 or above are entitled to earn 10,000 A. Point (the "10,000 A. Point Reward"). Each Participant may receive the 10,000 A. Point Reward once only during the entire Promotion Period. The accumulation, calculation, crediting, validity period and usage of A. Point rewards are administered by AlipayHK. For any enquiries, please contact the AlipayHK customer service at 2245 3201. Please refer to the Promotion Page for details. Terms and Conditions apply.

3 "Taobao 11.11 Discount Promotion": The Promotion Period is from 1 November 2026 to 30 November 2026 (both dates inclusive). Participants must successfully link their ZA Card to their AlipayHK account in the AlipayHK mobile application and make a single net spending on Taobao Hong Kong (Chinese version only) (accessible exclusively through the Taobao Hong Kong mobile application). Participants are entitled to the following instant discounts based on the net spending amount of a single transaction (being the final payable amount shown on the payment page after all discounts have been applied): An instant discount of HKD10 upon a single net spending of HKD 99 or above; and An instant discount of HKD 20 upon a single net spending of HKD 180 or above. The quota for each Discount Reward is 48,000 and available on a first-come first-served basis while stock lasts. AlipayHK’s computer records shall prevail in case of any disputes. Each Participant can only receive each Discount Reward once in this Promotion and cannot participate repeatedly. The eligibility of the Participants will be based on AlipayHK’s computer records. The promotion is subject to its Terms and Conditions.

This promotion is applicable to users who use ZA Card with the savings account balance or ZA Credit to pay. To borrow or not to borrow? Borrow only if you can repay!