ZERO FINTECH (00093) announced that on February 13, 2026, its indirect wholly-owned subsidiary, X8 Finance (as the lender), entered into a February 2026 loan agreement with Hengjing Limited (Hengjing, as the borrower) to provide a February 2026 loan with a principal amount of HK$103 million. The loan is secured by a first mortgage on Property I provided by Hengjing (as mortgagor); a first mortgage on Property III provided by Dr. He Chongben (as mortgagor); and personal guarantees provided by Dr. He Chongben and Mr. He Shirong. Accordingly, X8 Finance agreed, among other things, to provide the February 2026 loan to Hengjing under the terms and conditions set out in the relevant agreement.

Additionally, X8 Finance entered into a supplementary loan agreement with Lianwang (Hong Kong) Limited (Lianwang) and Mr. He Shirong (as co-borrowers) to extend the July 2025 Loan II, which has a principal amount of HK$35 million. This loan is secured by an existing second mortgage on Property II provided by Lianwang (as mortgagor). Accordingly, X8 Finance agreed to extend the repayment date of the July 2025 Loan II by 12 months starting from February 13, 2026.