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NEW YORK – October 14, 2026 – Zip Co Limited (ASX: ZIP), the digital financial services company offering innovative, people-centered products, announced a partnership with The Jennifer Hudson Show. Throughout the fall and holiday season, Zip will be featured across multiple episodes, highlighting a shared mission to empower and show up for everyday Americans.

Together, they’re bringing “Everyday Difference” to season five, a recurring segment that celebrates people following their dreams, showing up for their communities, and making an impact in their own way.

After each guest takes the stage to share what they’re working toward and the difference they’re making, The Jennifer Hudson Show surprises them with news that Zip will cover a meaningful expense, giving them more flexibility for what matters most.

Zip was founded on a simple belief that life and money don’t always run on the same schedule. The brand’s “In You We Trust™” brand platform launched earlier this year, built on Zip’s belief in customers’ financial choices, recognizing them as considered and capable financial decision-makers. The “Everyday Difference” segment with The Jennifer Hudson Show is a fitting extension of “In You We Trust,” backing guests with tools designed for real life. Zip offers customers the flexibility that they need to manage everyday expenses.

Since the season five premiere, the segment has spotlighted twin sisters completing their PhDs and Alberto Juarez, who founded a mental health-themed running club. Each arrived with a different story and a different dream, but understand that life and money don’t always run on the same schedule. They’re already putting in the work, one day and one step at a time. Whether it’s helping with flights home for the twins that mentor young girls in their hometown or another everyday cost, each surprise is designed to give a little more flexibility to keep their focus on what matters to them.

“This partnership is about celebrating everyday people, people in our communities, friends and neighbors, who are pursuing their goals,” said Jinal Shah, Chief Marketing and Customer Officer at Zip US. “We see them for all that they do, all that they are juggling in life, and we’re proud we can show up for them by recognizing their efforts in their communities. Great impact happens when people have financial flexibility to achieve their goals.”

The partnership reaches the show's 22 million cross-platform fans and followers through broadcast, digital clips, and social content. More “Everyday Difference” surprises are still to come throughout the season.

About Zip

Zip Co Limited (ACN 139 546 428) (ASX: ZIP) is a digital financial services company, offering innovative and people-centred products. Operating in Australia and the United States, Zip offers access to point-of-sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants.

Founded in Australia in 2013, Zip provides fair, flexible and transparent payment options, helping customers to take control of their financial future and helping merchants to grow their businesses.

For more information, visit: www.zip.co

About Jennifer Hudson Show

THE JENNIFER HUDSON SHOW is the award-winning, Daytime Emmy®-nominated talk series hosted by EGOT winner Jennifer Hudson. Currently in its fifth season, the nationally syndicated, one-hour show is a Happy Place celebrated for its uplifting energy and inspiring content. Each episode delivers daily inspiration with a dynamic mix of celebrity interviews, viral moments, musical performances, heartfelt stories of everyday heroes, and joyful surprises. Featuring its beloved viral Spirit Tunnel and expansive reach as a social media powerhouse, the show continues to celebrate positivity, connection, and feel-good moments that resonate with audiences everywhere.

NEW YORK - October 13, 2026 - Zip Co Limited (ASX: ZIP), the digital financial services company today announced plans to launch Zip® Cash*, a same-day cash loan product that extends Zip’s installment-payment experience beyond point of purchase checkout, giving eligible customers additional flexibility to everyday expenses.

Zip® Cash is built to address a common reality for millions of Americans: income and everyday expenses do not always arrive on the same schedule. Zip® Cash is an extension of Zip’s long-established and trusted Pay-in-Z products with the same consumer-first philosophy: a simple experience, transparent terms, no hard credit inquiry, and no compounding fees.

More than 100,000 Zip customers have already joined the Zip® Cash waitlist, including over 40,000 in its first 72 hours. “It gives me the peace of mind to know that the basic essentials will be taken care of,” said a Zip customer. Other customers cited fuel, essentials, and unexpectedly high bills as moments when a modest short-term buffer could help them navigate the month without judgment.

“Customers already trust us to provide flexibility at the point of purchase with our Pay-in-Z installment options, but not every expense occurs at checkout,” says Joe Heck, U.S. CEO of Zip. “Zip® Cash extends that value proposition by giving eligible customers access to funds for a broader range of everyday expenses or even a buffer between paycheck and bills. A timing gap shouldn’t have to derail someone’s plans or force them into a complicated financial product with unclear costs.”

Zip® Cash plans to initially launch to select customers in eligible states during the 2026 holiday season, with broader availability expected to follow. Eligible customers may be able to access loans of up to $500 with applicable repayment terms with funds deposited into their connected bank account as soon as the same business day. Each loan could include a flat origination fee, clearly disclosed before the customer accepts the loan. Customers would also have the option to request a change to their repayment date.

Consistent with Zip’s responsible lending approach, customers with a missed payment will not be eligible for another Zip platform loan until their outstanding payment is resolved. Unlike some industry practices that break up a cash loan into multiple fee-generating parts or rely on tips, Zip® Cash is designed to be customer-first: one loan with transparent fees.

“Zip® Cash builds on Zip’s existing Pay-in-2 platform, demonstrating the compounding value of a durable, extensible platform,” Heck said. “Similar to our other products, Zip® Cash is designed to be customer-first: one transparent loan and no hidden or junk fees. We believe we can serve customers’ short-term cashflow needs responsibly while giving them more control over their financial timeline.”

*Loans through Zip are originated by WebBank. All loans are subject to credit approval.

About Zip

Zip Co Limited (ACN 139 546 428) (ASX: ZIP) is a digital financial services company, offering innovative and people-centred products. Operating in Australia and the United States, Zip offers access to point-of-sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants.

Founded in Australia in 2013, Zip provides fair, flexible and transparent payment options, helping customers to take control of their financial future and helping merchants to grow their businesses.

For more information, visit: www.zip.co

NEW YORK and SUNNYVALE, Calif. — Oct. 8, 2026 — Zip Co Limited (ASX: ZIP), a digital financial services company, today announced it has selected Google Cloud to build an AI-Native Product Factory designed to transform how Zip creates, develops, tests, launches, and continuously improves new products and experiences in the U.S.

In financial services, new products still move like a relay race. Research hands off to design, design to engineering, and engineering to risk, legal, and compliance. Every handoff adds weeks, and every launch starts largely from scratch. Zip's AI-Native Product Factory replaces that relay with a shared, governed agentic environment where teams work in parallel.

The initiative represents a shift from using AI to augment day-to day-work to reimagining the entire product-development lifecycle with Gemini Enterprise. Zip’s Product Factory will connect customer research, design, engineering, risk, legal, compliance, and customer experience through a shared, governed agentic environment. The strategic value of the Product Factory is designed to compound over time, enabling Zip to pursue multiple concepts simultaneously, shorten the time taken between insights and launch, and progressively lower the incremental cost and complexity of bringing new experiences to market.

“With Google Cloud and Gemini Enterprise, we’re creating a new operating model for what AI-native consumer financial services looks like in practice,” said Rory Herriman, U.S. chief technology and operating officer of Zip US. “The real power comes from combining AI with what is uniquely ours: our data, our understanding of our customers, our product and risk expertise, and the institutional knowledge we have built over time. The Product Factory turns that intelligence into a compounding advantage. Every product we build creates reusable intelligence and capabilities that make the next product faster and better. That is how we accelerate innovation at a scale that simply wasn’t possible before.”

Zip is working with Google Cloud to establish the agentic foundation that makes this possible. Google Cloud’s Gemini Enterprise will underpin the AI-Native Product Factory and Zip’s broader AI industrialization environment, where agents work alongside Zip employees across internal workflows. With access to frontier and open-weight AI models, Zip can apply the right intelligence to each opportunity while building on a common enterprise foundation.

“This isn’t just about changing how we build products. It’s about building an intelligence-driven enterprise, where our data, knowledge, and expertise continuously compound and can be applied across our products, decisions, and operations.” said Herriman.

That foundation is being designed for the realities of financial services from the outset. Security, governance, traceability, and human oversight are built into how agents access data, interact with systems, and execute work, allowing Zip to accelerate innovation while maintaining clear accountability. For Zip, speed and control are not competing objectives; building AI safely is what enables it to scale.

“Agentic commerce is changing the way consumers discover and purchase products, which requires a rewiring of how financial services are delivered so AI agents can interact at scale," said Georgina Bulkeley, Managing Director, Global Financial Services Industries Lead, Google Cloud. "The financial companies that will win in this era will be the ones that are already using agents themselves. Zip recognises this and is building a company that will be ready for it, by embedding agentic intelligence from Gemini Enterprise right into its core operating model.”

Bringing agentic intelligence into the customer experience

Zip’s AI strategy extends beyond how products are built and how work gets done internally. Zip is also developing agentic experiences natively within its products, bringing the same growing body of data, knowledge, and intelligence directly into how the company serves its customers.

Zia, Zip’s customer-facing AI assistant, will be enabled by Gemini Enterprise, creating a common agentic foundation across Zip’s Product Factory, internal AI environment, and customer-facing experiences. As Zia evolves, specialized agents will be able to work together using a single, intuitive customer experience, drawing on Zip’s growing intelligence and capabilities to understand needs, take appropriate action, and resolve increasingly complex customer requests.

“What customers experience should become simpler as the intelligence behind it becomes more sophisticated,” said Herriman. “Zia is evolving from an AI support assistant toward an agentic experience embedded directly into our products. Customers won’t need to understand which agent, system, or team can solve their problem—they should simply be able to tell Zia what they need. Behind that experience, specialized agents, our people, and the intelligence we continue to build can work together to deliver the right outcome.”

Building from an established AI foundation

“The next competitive advantage in consumer finance will come from the ability to turn insights into trusted products faster than conventional operating models allow,” said Joe Heck, CEO of Zip U.S. “We believe product velocity will become one of the most important moats in our industry and we intend to make it one of ours.” “This is growth infrastructure,” Heck continued. “It gives our people the capacity to pursue more opportunities and serve more customers without adding complexity at the same rate. We are combining human judgement and ingenuity with the speed, scale, and intelligence of AI.”

Zip is also helping develop the external infrastructure required for an agentic economy. The company is a co-creator of the Unified Trust Layer, an open-source industry framework focused on making trust measurable and portable in AI-initiated commerce.

“Together, these initiatives address both sides of the agentic opportunity. This is the progression of our strategy from AI-Powered teams to AI-Native operations,' Heck said. 'We are building a company that can learn faster, create faster, and compound innovation with every product it launches.”

About Zip

Zip Co Limited (ACN 139 546 428) (ASX: ZIP) is a digital financial services company, offering innovative and people-centred products. Operating in two core markets, Australia and New Zealand (ANZ) and the United States (US), Zip offers access to point-of-sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants.

Founded in Australia in 2013, Zip provides fair, flexible and transparent payment options, helping customers to take control of their financial future and helping merchants to grow their businesses.

For more information, visit: www.zip.co

About Google Cloud

Google Cloud offers a powerful, optimized AI stack — including AI infrastructure, leading models like Gemini, data management capabilities, multicloud security solutions, developer tools and platform, as well as agents and applications — that enables organizations to transform their business for the Agentic Era. Customers in more than 200 countries and territories turn to Google Cloud as their trusted technology partner.

NEW YORK, NY — October 6, 2026 — Zip Co Limited (ASX: ZIP), the digital financial services company offering innovative, people-centered products, today announced a new partnership with the Philadelphia 76ers, becoming an Official Partner of the team for the 2026–27 NBA season. The partnership supports fan engagement by providing additional, flexible purchasing options for tickets and merchandise, while bringing Zip into the game-day experience at 76ers home games.

Throughout the season, Zip will introduce a series of exclusive offers and experiences, including ticket promotions, savings on official team merchandise through SixersShop.com and at the arena, and additional experiences.

"Sports bring people together, and every fan deserves the opportunity to experience those moments," said Peter Volynsky, Chief Commercial Officer at Zip US. “We're excited to bring more flexibility and control to how people engage with the game, promoting flexible payment options within the gameday environment."

Zip's presence will also extend to 76ers home games, where the brand will appear on courtside LED signage and in-arena videoboard features during home games throughout the regular season, bringing flexible payment options directly into the game-day environment.

The partnership launches just in time for the new NBA season for the Philadelphia 76ers, extending Zip’s growing presence in sports and entertainment, where flexible payments help eligible customers confidently access the experiences they value most, from everyday spending to once-in-a-season experiences.

About Zip

Zip Co Limited (ACN 139 546 428) (ASX: ZIP) is a digital financial services company, offering innovative and people-centred products. Operating in two core markets, Australia (AU) and the United States (US), Zip offers access to point-of-sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants.

Founded in Australia in 2013, Zip provides fair, flexible and transparent payment options, helping customers to take control of their financial future and helping merchants to grow their businesses.

For more information, visit: www.zip.co

Loans through Zip are originated by WebBank

About the Philadelphia 76ers

The Philadelphia 76ers are one of the most storied franchises in the National Basketball Association, having won three World Championships, earning nine trips to The Finals and making 55 playoff appearances over 77 seasons. The Philadelphia 76ers organization is a Harris Blitzer Sports & Entertainment property.