On 28 February 2024, the AEON Credit Service (Asia) Company Limited (as licensee) and AEON Stores (as licensor) entered into the 2024 TM Licence Agreement to renew the Existing TM Licence Agreement for the lease of the Premises for another term of one year. AEON Stores is a fellow subsidiary of the Company. As the Group elects to recognise the lease of the Premises under the 2024 TM Licence Agreement as a one-off acquisition of a right-of- use asset under HKFRS 16, the lease of the Premises under the 2024 TM Licence Agreement constitutes a connected transaction of the Company under Chapter 14A of the Listing Rules.

Payment of Outgoings from the Company to AEON Stores under the 2024 TM Licence Agreement, constitutes a continuing connected transaction. As one or more of the applicable percentage ratios in respect of the right to use the Premises under the 2024 TM Licence Agreement exceed 0.1% but are less than 5%, the 2024 TM Licence Agreement is subject to the reporting and announcement requirements, but exempt from the independent shareholders' approval requirements under Chapter 14A of the: Listing Rules. Premises: Shop No.

G04, Ground Floor, Commercial Accommodation of Tuen Mun Town Plaza, Phase I, 1 Tuen Shing Street, Tuen Mun, New Territories, Hong Kong, with an approximate area of 914 square feet. Term One year from 28 February 2024 to 27 February 2025. Licence Fee: HKD 282,426 per month (exclusive of Outgoings).

The Licence Fee was arrived at after arm's length negotiations between the parties with reference to prevailing market rent, which was ascertained through comparing the rentals of other properties of similar use, function and utility in about the same location. Rates 5% of the Licence Fee per month. Management Fee: HKD 13,710 per month (subject to upward adjustment by AEON Stores).

Utility Charges: Based on the tariffs of the applicable public utility providers and the actual amount of consumption by the Company (Utility Charges are payable to AEON Stores only with respect to such utilities for which the Company's own accounts with the applicable public utility providers are not maintained). Payment Term: The Licence Fee and Outgoings are to be paid in advance on a monthly basis.