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This regular update is designed to keep you informed as we grow atZip-speed, bringing together news, market announcements and product developments in one convenient place.

A message from our Global CEO, Larry Diamond Thank you all for what has been an incredible year at Zip. Myself, management and the board would like to acknowledge the significant volatility in equity markets, the impact to technology and fintech valuations and are taking this very seriously. We enter CY22 with strong momentum, in a solid financial position with continued focus on execution, unit economics and global synergies. We have bolstered the global executive team to better handle both regional and functional execution, and remain driven as ever to achieve the best long term outcomes for our customers, merchants and shareholders. A significant portion of the management team and the employees’ assets and remuneration is tied to the share price, and feels these gyrations alongside our loyal investor base. Zip remains steadfast in its mission to disrupt the unfair and broken credit card with a better and fairer digital alternative, and becoming the first payment choice everywhere and every day.

November market update With the Black Friday and Cyber Monday sales events, November was another record-breaking month! Key callouts:

Record monthly Total Transaction Volume of $906.5m, annualising at over AU$10b 9.2m customers globally (up 71% YoY), and over 10m total app downloads With 13 markets, Zip now has one of the largest geographic footprints of all BNPLs globally Our Expansion Markets - the UAE, EU, South Africa, Canada and Mexico - delivered over $50m in November, annualising at over $600m Brand awareness in the US is now greater than before the Zip rebrand

Singapore launch via Singtel Dash partnership Zip recently announced we will launch into Singapore via an exclusive partnership with Singtel Dash, theall-in-onemobile wallet app. Together with Zip’s strategic investment in Philippines BNPL provider TendoPay, this partnership creates an exciting launchpad into the $175b South East Asian online marketplace. Singtel Dash at a glance Second-largest mobile wallet in Singapore 1m users Over 60k instore merchants App offerings include a daily use wallet, virtual Visa prepaid card, insurance savings account and bill payments Singapore quick stats $8b online market $42b retail market 79% online user penetration 55% of Singaporeans aged under 45, driving online growth Who’s talking Zip? Keep up to date on where we’ve been featured to learn more about our business. AGM We recently held our 2021 AGM, where our board members delivered Zip’s FY21 performance and plans for FY22. Watch now ABC The Business Zip Chair, Diane Smith-Gander, spoke to ABC’s The Business about Zip's strategy and investment in global growth. Watch now Sydney Morning Herald Zip Co-founder and Global CEO, Larry Diamond, caught up with the Sydney Morning Herald to talk about Zip’s crypto plans. Read now Global roundup US partnership launches ‘Zip Card’ Zip US recently announced a partnership with WebBank to launch ‘Zip Card’, which gives consumers the flexible payment convenience of Zip in a physical card. Claroshop partnership in Mexico We announced a partnership with Claroshop, one of Mexico’s top five online marketplaces, and one of the biggest in Latin America. Twisto & Spotii acquisitions complete We have now completed acquisitions of Central European BNPL provider Twisto Payments and Dubai-based company Spotii. Twisto adds almost 1 million customers as well as 22,000 merchants, and the Spotii acquisition also poses a huge opportunity in the booming Middle East BNPL market. UK rolls out virtual card for instore tap and pay British shoppers can now use their Zip BNPL account to pay for purchases at the checkout using a mobile-based virtual card, called ‘Tap and Pay’. This feature is launching for the festive shopping season in Homebase, The Fragrance Shop, Jollyes and Hype Clothing. Latest Hires Ahu Chhapgar Payments industry veteran Ahu Chhapgar joined Zip as Global Chief Technology Officer, where he will spearhead technology-driven growth for the business. Ahu joins from Citibank where he was Managing Director and Global Head of Payments and Receivable Technology. He previously held senior roles at Mastercard, PayPal, DexYP, Convansys and Hewlett Packard. Cynthia Scott Cynthia Scott joined Zip as the company’s new ANZ Managing Director and member of Zip’s Global Executive Management Team. Previously, she was Chief Strategy and Business Development Officer at Scentre Group and the Group Executive responsible for the New Business portfolio at Telstra. Before Telstra, Cynthia spent 20 years in financial services including as CEO of Barclays Australia. Levi Aron Former AU CEO of Deliveroo, Levi Aron joined Zip US as Chief Growth Officer where he will head up Zip’s corporate strategy, sales excellence, and new digital market-driven innovation initiatives. With over 20 years of experience in senior and executive roles, Aron brings people-first leadership and a commitment to innovation that will accelerate Zip’s growth strategy. Global travel partnership with Sabre We have announced a global alliance with Sabre Corporation, a leading software and technology company that powers the global travel industry. The partnership will serve as a launchpad into the travel industry for Zip. By integrating into Sabre’s Global Distribution System, any global travel partner will now be able to accept Zip at checkout in all current or future countries that Zip is available. That’s a wrap! And so, that’s it for 2021. In what has been another remarkable year in so many ways, thank you for being part of the Zip journey. We truly appreciate your support and we wish you a happy holiday season. See you in 2022. Questions or feedback on this newsletter? Please reach out to[email protected]