Response to Aware Query

Zip Co Limited (ASX: ZIP) (“ZIP”, or the “Company”) refers to your Aware Query letter dated 24 January 2023 (Aware Letter) and provides the following response to your request for information (shown in bold) as follows (with the noted terms as defined in the Aware Letter): 1. Does ZIP consider the Information to be information that a reasonable person would expect to have a material effect on the p