ZhongAn Online P & C Insurance : NOTIFICATION LETTER AND CHANGE REQUEST FORM TO H SHARE REGISTERED SHAREHOLDERS

଺τί㝬ৌପڭᎈٰ΅Ϟࠢʮ̡

ZHONGAN ONLINE P & C INSURANCE CO., LTD.*

€׵ʕശɛ͏΍ձ਷ൗ̅ϓٰͭٙ΅Ϟࠢʮ̡dԨ˸˜ZA Online Fintech P & C™ί࠰ಥ຾ᐄุਕ

(A joint stock limited company incorporated in the People's Republic of China with limited liability and carrying on business in Hong Kong as "ZA Online Fintech P & C")

€ٰ΅˾໮j6060

(Stock Code: 6060)

March 29, 2021

Dear H Share Registered Shareholders

Notification of publication of the Company's 2020 Annual Report, Circular, Notice of the Annual General Meeting and Proxy Form (the "Current Corporate Communications")

We hereby notify you that the Current Corporate Communications of ZhongAn Online P & C Insurance Co., Ltd. (the "Company") are now available on the Company's website atwww.zhongan.comand the HKEXnews website at www.hkexnews.hk. If you have chosen to receive the corporate communications(Note 1) in printed form(s), the arranged printed form(s) of the Current Corporate Communications is enclosed.

You may at any time choose to receive free of charge corporate communication(Note 1) either in printed form or read the Company's corporate communication from the Company's website or The Stock Exchange of Hong Kong Limited's website, and either in English language version only, Chinese language version only or both language version, notwithstanding any wish to the contrary you have previously conveyed to the Company.

If you wish to receive a printed copy of the Current Corporate Communications in English version only, or in Chinese version only or in both English and Chinese versions, or if you would like to change your choice of language(s) and/or means of receipt of the Company's future Corporate Communications, you can complete the Change Request Form on the reverse side and return it to the Company's H Share Registrar, Tricor Investor Services Limited, by post using the mailing label provided. You may also send an email with a scanned copy of the Change Request Form [e-mail]. The Change Request Form can be downloaded from the Company's website and the HKEXnews website.

If you have chosen (or are deemed to have chosen) to receive the electronic version for future corporate communications but for any reason have difficulty in gaining access to the Company's website, the Company will promptly upon your request in writing to the Company (c/o Tricor Investor Services Limited by post (address: Level 54, Hopewell Centre, 183 Queen's Road East, Hong Kong)) send a printed version to you free of charge.

Should you have any queries relating to this notification, please contact Customer Service Hotline of Tricor Investor Services Limited at (852) 2980 1333 from 9:00 a.m. to 5:00 p.m., Monday to Friday (excluding public holidays).

Yours faithfully

For and on behalf of

ZHONGAN ONLINE P & C INSURANCE CO., LTD.

Yaping Ou

Chairman

Note 1: Corporate communications refer to any document(s) issued or to be issued by the Company for the information or action of its shareholders, including but not limited to (a) the directors' reports and its annual accounts together with a copy of the auditors' report (and, where applicable, its summary financial report); (b) the interim report (and, where applicable, its summary interim report); (c) notice of meetings; (d) listing documents; (e) circulars; and (f) proxy forms.

* For identification purposes only and carrying on business in Hong Kong as "ZA Online Fintech P & C"

ߧ H ٰ೮াٰ؇ ͉ʮ̡ 2020 ϋϋܓజѓeஷՌeϋܓٰ؇ɽึஷѓʿ˾ڌ։΂ڌࣸ€˜͉ϣʮ̡ஷৃ™ʘ೯бஷٝ ͉ʮ̡ତᔫஷٝ ტɨd଺τί㝬ৌପڭᎈٰ΅Ϟࠢʮ̡€˜ ͉ʮ̡™͉ٙϣʮ̡ஷৃତʊ೮༱׵͉ʮ̡ၣ१www.zhongan.com ʿ˜מᚣ׸™ၣ१ www.hkexnews.hkfν ტɨʊ፯኿ϗ՟ʮ̡ஷৃ€ڝൗ 1ʘΙՏ͉d͉ϣʮ̡ஷৃʊܲ ტ ɨה፯֛ٙʮ̡ஷৃႧԊو͉ᎇ͉Ռڝɪf ኋ၍ ტɨϘۃಀΣ͉ʮ̡Ъ̈ʮ̡ஷৃ˖΁€ڝൗ 1ϗ՟˙όאႧԊو͉ٙ፯኿dШʥ̙˸ᎇࣛһҷϞᗫ፯኿dᔷމ˸ΙՏ͉ א˸͉ʮ̡ၣ१א࠰ಥᑌΥʹ׸הϞࠢʮ̡ၣ१ᓭᚎʮ̡ஷৃ˖΁ʿ̥ϗ՟ߵ˖ΙՏ͉iא̥ϗ՟ʕ˖ΙՏ͉iאΝࣛϗ՟ ߵ˖ʿʕ˖ΙՏ͉f ࡊ ტɨᏝϗ՟͉ϣʮ̡ஷৃʘߵ˖ΙՏ͉eאසϗ՟ʕ˖ΙՏ͉dאΝࣛϗ՟ߵ˖ʿʕ˖ΙՏ͉dא૧፯኿Ϟй׵ ტɨ ה፯኿ٙʮ̡ஷৃႧԊو͉ʿŊאϗ՟˙όd˸һҷϗ՟͉ʮ̡˚ܝʮ̡ஷৃʘႧԊو͉ʿŊאϗ՟˙όʘ፯኿dሗ෬Ѽߠ ࠦʘᜊһ͡ሗڌࣸʿл͜ඉ੔ᅺᜀ੔Ϋ͉ʮ̡ʘ H ٰٰ΅ཀ˒೮াஈՙԳᗇՎ೮াϞࠢʮ̡f ტɨ͵̙Ҫʊ෬Ѽʘᜊһ͡ ሗڌࣸٙધ౜ਓ͉ཥඉЇ[e-mail]ᜊһ͡ሗڌ̙׵͉ʮ̡ၣ१ʿ˜מᚣ׸™ၣ१ɨ༱f ࡊ߰ ტɨʊ፯኿€א஗ൖމʊΝจϗ՟˚ܝʮ̡ஷৃʘཥɿو͉ШΪ΂ОࡡΪίஹટ͉ʮ̡ၣ१ࣛϞ΂ОѢᗭd͉ʮ̡຅ Ꮠ ტɨࣣٙࠦࠅӋЇ͉ʮ̡€຾ՙԳᗇՎ೮াϞࠢʮ̡€ήѧj࠰ಥެΧɽ༸؇ 183 ໮Υձʕː 54 ᅽdе൬੔೯ʮ̡ஷৃ ʘΙՏو͉f ࡊ ტɨ࿁͉ஷٝϞ΂Оݟ༔dሗ׵݋ಂɓЇ݋ಂʞ€ʮ଺৿ಂৰ̮ɪʹ 9 ࣛЇɨʹ 5 ࣛߧཥՙԳᗇՎ೮াϞࠢʮ̡܄˒؂ਕ ᆠ㝬dཥ༑໮ᇁމ (852) 2980 1333f ˾ڌ ଺τί㝬ৌପڭᎈٰ΅Ϟࠢʮ̡ ໨ԫڗ ᆄԭ̻

2021 ϋ 3 ˜ 29 ˚

ڝൗ 1: ʮ̡ஷৃܸ͉͟ʮ̡೯̈אਗ਼ʚ೯̈˸Զ ტɨਞ๫אમ՟Бਗٙ΂О˖΁dՉʕܼ̍Шʔࠢ׵ (a) ໨ԫึజѓeϋܓሪͦஹΝࣨᅰࢪ జѓʿ€νቇ͜ৌਕ࿜ࠅజѓi(b) ʕಂజѓʿ€νቇ͜ʕಂ࿜ࠅజѓi(c) ึᙄஷѓi(d) ɪ̹˖΁i(e) ஷՌiʿ (f) ˾ڌ։΂ڌࣸf

*

සԶᗆйʿ˸˜ZA Online Fintech P & C™Τ່ί࠰ಥ຾ᐄุਕ

CHANGE REQUEST FORM ᜊһ͡ሗڌࣸ

To:

ZhongAn Online P & C Insurance Co., Ltd.* (the "Company")	ߧj	଺τί㝬ৌପڭᎈٰ΅Ϟࠢʮ̡€˜͉ʮ̡™
c/o Tricor Investor Services Limited	຾ՙԳᗇՎ೮াϞࠢʮ̡
Level 54, Hopewell Centre	࠰ಥެΧɽ༸؇ 183 ໮
183 Queen's Road East, Hong Kong	Υձʕː 54 ᅽ

Part A - For shareholder who has selected to receive the Company's corporate communications** via the Company's website and now request to receive printed version

A௅ Ñ ቇ͜׵ʊ፯኿ீཀ͉ʮ̡ၣ१ϗ՟ʮ̡ஷৃ **dତࠅӋ॰՟ʮ̡ஷৃٙΙՏٰ͉ٙ؇

I/We would request to receive the printed version of the following corporate communications**: ͉ɛŊҢࡁࠅӋ॰՟ɨΐʮ̡ஷৃ ** ٙΙՏ͉j

(Please tick the appropriate box)

€ሗίቇ຅٤ࣸʫྌɪ˜✓™໮ the printed form of the 2020 Annual Report, Circular dated March 29, 2021 and Proxy Form for use at the Annual General Meeting to be held on April 30, 2021 2020 ϋϋܓజѓe˚ಂމ 2021 ϋ 3 ˜ 29 ˚ٙஷՌʿ׵ 2021 ϋ 4 ˜ 30 ˚ᑘБʘϋܓٰ؇ɽึቇ͜ʘ˾ڌ։΂ڌࣸٙΙՏ͉

Part B - For shareholder who would like to change his/her/their choice of the means of receipt and/or language of all future corporate communications** to be issued by the Company

B௅ Ñ ቇ͜׵Ꮭһҷϗ՟͉ʮ̡˚ܝ̊೯ٙהϞʮ̡ஷৃ ** ٙ˙όʿŊאႧԊو͉ٙ፯኿ٰٙ؇

I/We would like to receive all future corporate communications** of the Company as indicated below: ͉ɛŊҢࡁҎૐ˸ɨΐ˙όϗ՟ ൮ʮ̡˚ܝ̊೯ٙʮ̡ஷৃ **j

(Please tick ONLY ONE of the following boxes)

€ሗ੽ɨΐ፯኿ʕdසίՉʕɓࡈ٤ࣸʫྌɪ˜✓™໮

to receive the printed English version; or ϗ՟ߵ˖ΙՏ͉iא

to receive the printed Chinese version; or ϗ՟ʕ˖ΙՏ͉iא

to receive the printed English and Chinese versions; or ϗ՟ߵ˖ʿʕ˖ΙՏ͉iא

to access future corporate communications** published on the Company's website in lieu of receiving printed copies, and to receive an email notificationto my/our email address at communications** on the Company's website. to inform me/us whenever there is any publication of corporate ቡᚎ˚ܝί ൮ʮ̡ၣ१ʘʮ̡ஷৃ ** ˸˾ಁϗ՟ΙՏ͉d ൮ʮ̡ɭ׵ၣ१೮༱ʮ̡ஷৃ ** dሗ˸ཥඉஷ͉ٝɛŊҢࡁdཥඉή ѧj f

Signature: ᖦ໇j

Date: ˚ಂj

Name:

֑Τj

(English€) ߵ˖

(Chinese€) ʕ˖

(Please use English Block letter)

€ሗ˸ߵ˖ฺ͍෬ᄳ

Contact Phone Number: ᑌഖཥ༑໮ᇁj

Notes: ڝൗj

• (1) This form will be void if more than one box is ticked or no boxes are ticked or if the information is incorrectly completed.

  ࡊ߰൴ཀɓࡈ٤ࣸ̋ɪ˜✓™໮dאԨೌ׵΂Оɓࡈ٤ࣸ̋ɪ˜✓™໮dאה෬ᄳٙ༟ࣘʔ͍ᆽd͉ڌࣸਗ਼ึЪᄻf

• (2) If your shares are held in joint names, the shareholder whose name stands first on the register of members of the Company in respect of the joint holding should sign on this Change Request Form in order to be valid.

  ࡊٰ߰΅᙮ᑌΤܵϞd͉ᜊһ͡ሗڌࣸ඲͟Τΐ׵͉ʮٰ̡؇Τ̅࠯Зʘٰ؇ᖦ໇d˙މϞࣖf

• (3) You have expressly consented to waive your right to receive the printed version by selection to read the electronic version of the corporate communications** published on the Company's website in lieu of receiving printed copies.

  ί፯኿ᓭᚎ׵͉ʮ̡ၣ१̊༱ʘʮ̡ஷৃ ** ཥɿو͉˸˾ಁϗ՟ΙՏ͉ܝd ტɨʊ׼ͪΝจ׳૝ϗ՟ΙՏو͉ٙᛆлf

• (4) The above instruction will apply to all future corporate communications to be sent to shareholders until you notify otherwise by reasonable notice in writing (not less than 7 days) to the Company c/o H Share Registrar at Level 54, Hopewell Centre, 183 Queen's Road East, Hong Kong or by sending an email [e-mail].

  ɪࠑܸͪቇ͜׵ਗ਼Ը੔೯ʚٰ؇ʘהϞʮ̡ஷৃ˖΁dٜЇ ტɨ೯̈Υଣࣛගࣣٙࠦஷٝ€ʔˇ׵ɖ˂א˸ཥඉ˙όՑ[e-mail] ʚ͉ʮ̡ʘ Hٰ ٰ΅ཀ˒೮াஈdήѧމ࠰ಥެΧɽ༸؇ 183 ໮Υձʕː 54 ᅽ̤Ъ፯኿މ˟f

• (5) All future corporate communications** in both printed English and Chinese versions will be available from the date of despatch from the Company or the Company's H Share Registrar on request, and the same will also be available on the Company's website atwww.zhongan.comand HKEXnews website at www.hkexnews.hk.

  ׵˚ܝ̊೯ٙהϞʮ̡ஷৃ ** ੔೯˚ৎd͉ʮ̡א͉ʮ̡ʘ H ٰٰ΅ཀ˒೮াஈਗ਼ึᏐࠅӋ௪ϞϞᗫʮ̡ஷৃʘߵ˖ʿʕ˖ΙՏ͉˸Զ॰ቡf༈ഃʮ̡ஷৃ͵ਗ਼׵͉ʮ ̡ၣ१www.zhongan.com ʿ˜מᚣ׸™ၣ१ www.hkexnews.hk ʫ̊༱f

• (6) Should you have any queries relating to this form, please call the enquiry hotline at (852) 2980 1333.

  ࡊ߰࿁͉ڌࣸϞ΂Оဲਪdሗߧཥݟ༔ᆠᇞ (852) 2980 1333f

• (7) For the avoidance of doubt, we do not accept any special instructions written on this Change Request Form.

  މеπဲd΂Оί͉ᜊһ͡ሗڌࣸɪٙᕘ̮˓ᄳܸͪd͉ʮ̡ਗ਼ʔʚஈଣf

* * **

For identification purposes only and carrying on business in Hong Kong as "ZA Online Fintech P & C" සԶᗆйʿ˸˜ZA Online Fintech P & C™Τ່ί࠰ಥ຾ᐄุਕ

Corporate communications refer to any document(s) issued or to be issued by the Company for the information or action of its shareholders, including but not limited to (a) the directors' report and its annual accounts together with a copy of the auditors' report (and, where applicable, its summary financial report); (b) the interim report (and, where applicable, its summary interim report); (c) notice of meetings; (d) listing documents; (e) circulars; and (f) proxy forms.

** ʮ̡ஷৃܸ͉͟ʮ̡೯̈אਗ਼ʚ೯̈˸Զ ტɨਞ๫אમ՟Бਗٙ΂О˖΁dՉʕܼ̍Шʔࠢ׵ (a) ໨ԫึజѓeϋܓሪͦஹΝࣨᅰࢪజѓʿ€νቇ͜ৌਕ࿜ࠅజѓi(b) ʕಂజѓʿ€νቇ͜ʕಂ࿜ࠅజѓi(c) ึᙄஷѓi(d) ɪ̹˖΁i(e) ஷՌiʿ (f) ˾ڌ։΂ڌࣸf

€Please cut along the dotted line ሗضൈᇞ਒ɨ