Millennium Group International Holdings Limited Loan Agreement

Millennium Group International Holdings Limited (MGIH), through its Hong Kong subsidiary Millennium Holdings International Limited, entered into a Loan Agreement with Yee Cheong (1926) Enterprise Company Limited. Yee Cheong agreed to provide a loan of HKD 11,700,000 (approximately USD 1,493,300) to MGIH. The loan has a term of eight years, starting from April 9, 2026, and ending on April 8, 2034. The annual interest rate is 2.83%, with monthly payments. Notably, the major shareholders of Yee Cheong are the same as those holding the majority stake in MGIH, indicating a related-party transaction. The loan is unsecured, and MGIH can prepay without penalty. Defaulting on repayment will incur penalty interest. The agreement is governed by Hong Kong law.