Finsoft Financial Investment Holdings Limited (the “Company”) disclosed that on 9 February 2026, its indirect wholly-owned subsidiary, Finsoft Finance Limited (“Lender”), entered into a loan agreement with an individual borrower, Mr. Chang, and a guarantor, Ms. Tam. Under the terms, the Lender will provide a loan principal of HK$2,000,000 for a term from 9 February 2026 to 8 August 2026, at an annual interest rate of 36%. Repayment is due upon expiry of the term, with an option for early repayment subject to written notice.

The loan is secured by a guarantee from the guarantor and will be funded using internal resources of the Company. Management noted that this transaction aligns with the Group’s money lending business and that the terms, including the interest rate, were negotiated on normal commercial grounds.

As one of the relevant applicable percentage ratios under the GEM Listing Rules for the loan—considered alongside an existing HK$700,000 loan granted to the guarantor—exceeds 5% but is less than 25%, the transaction qualifies as a discloseable transaction under Chapter 19 of the GEM Listing Rules. Accordingly, it is subject to the notification and announcement requirements set forth by the Stock Exchange of Hong Kong.