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One Meal, One Ripple, One Community

Pay It Forward allows any participant to buy a prepaid meal at a participating local restaurant, café, or food outlet for someone else in their community. More than a one-way gesture, how Pay It Forward works is designed to create a ripple effect where kindness spreads, anyone can be both a Giver and a Receiver, and one small act sets off a wider movement of community connection.

How a Ripple Starts:

1. Share a Meal. Through the Pay It Forward app, a Giver purchases a prepaid meal from a participating Merchant and can include a Ripple Card with a positive message to pass on.
2. Experience the Gesture. A community member redeems the meal in-store and can share the moment back by sending a Ripple Card of appreciation to the Giver.
3. Pay It Forward. Receivers may later choose to share a meal through the platform for someone else, setting a ripple in motion.
4. Grow the Community. Over time, Givers, Receivers, and Merchants form a wider community supporting one another, one shared meal at a time.

“We built Pay It Forward because we believe technology should help people reconnect, not just transact,” said Amelia Tang, Co-Founder and CEO. “A shared meal is one of the simplest ways to show someone in your community that you thought of them.”

From Pilot to Public Growth

Malaysia was chosen as the first launch market for Pay It Forward’s revolution due to the country’s rich food culture and strong sense of community. The nationwide rollout follows an extended period of product development, merchant onboarding, and community testing. A soft launch in November 2025 brought more than 100 participating Merchants and thousands of users onto the platform, providing the feedback needed to fine-tune the experience before scaling.

Beyond merchants and users, a recent memorandum of agreement signed with Universiti Tunku Abdul Rahman (UTAR) introduced the PIF x UTAR Social Impact Project and Campus Ambassador Programme, giving students real exposure to social entrepreneurship and community work.

Kindness is Much Closer Than You Think

Pay It Forward is that platform, a simple way to take the small kind thought you have and pass it on, one meal at a time. Because kindness only truly begins when someone takes the first step.

To share a meal, redeem a meal, or sign up your business, visit payitforward.io/en-my.

Hashtag: #PayItForward

https://www.payitforward.io/en-my
https://www.linkedin.com/company/pif-fintech-sdn-bhd/
https://www.facebook.com/profile.php?id=61577508893886
https://www.instagram.com/pif_payitforward/
Tiktok: https://www.tiktok.com/@pif_payitforward
Rednote: https://www.xiaohongshu.com/user/profile/6892efa7000000002900b4aa
Youtube: https://www.youtube.com/@Payitforward-t6n

The issuer is solely responsible for the content of this announcement.

About Pay It Forward

Pay It Forward was founded by Amelia Tang, Ng Jiunn Jye, and Yvonne Guo on a simple belief: that technology should not only automate our lives, but also help people reconnect with each other. Drawing inspiration from the traditional Italian “Caffè Sospeso”, where one cup of coffee is paid for and left behind for a stranger, the platform brings that same spirit of sharing into the digital age.

Today, Pay It Forward connects Givers, Receivers, and Merchants in one transparent ecosystem, where anyone can purchase a prepaid meal at a participating local restaurant, café, or food outlet and gift it to someone nearby. As the first platform in Malaysia’s social-dining space to combine meal-sharing with community altruism, Pay It Forward is on a mission to build a kinder, more connected society, one shared meal at a time, because sharing is caring.

PHNOM PENH, CAMBODIA – Media OutReach Newswire – 4 August 2026 – The Church of Jesus Christ of Latter-day Saints is inviting the public to celebrate the completion of the Phnom Penh Cambodia Temple, and to tour the new temple. This sacred house of worship is the first Latter-day Saint temple in the Kingdom of Cambodia.

The First Presidency of the Church has announced that open house tours will run from Saturday, 15 August 2026, to Saturday, 22 August 2026, except on Sunday. The open house provides all people of all faiths the opportunity to tour the temple’s beautiful interior and grounds and learn about the purpose of this sacred structure.

Open house tours will be conducted:

• Saturdays, 15 & 22 August: 9:00 a.m.–7:00 p.m.
• Monday–Friday, 17–21 August: 4:00 p.m.–8:00 p.m.
• Sunday, 16 August: No tours available.

The temple is located on Russian Federation Boulevard Phnom Penh 12040, on a 1.3-hectare site. Tours are free, and no reservations are needed. More information is available at https://www.churchofjesuschrist.org/featured/phnom-penh-cambodia-open-house?lang=eng

Elder Eng Bunhuoch, an Area Seventy and senior leader of the Church in Cambodia, said, “The Phnom Penh Cambodia Temple is a testament to the enduring faith of our Cambodian members and will serve as a focal point of spiritual growth for many years to come. It is more than a building; it is a sacred space that symbolizes our commitment to the teachings of Jesus Christ and the eternal nature of families.

“We invite all to come, learn, and walk with us in our holy temple. You can experience our impression of heaven on earth and the special feelings that exist in the House of the Lord. In this temple, you will feel peace, receive inspiration, feel His love, and draw closer to Him. Our members open their arms to you and invite everyone to share the joy we feel in the temple.”

Following the public open house, the temple will be formally dedicated on Sunday, 30 August 2026. The open house presents a once-in-a-lifetime opportunity for all members of the public to enter and tour the temple prior to its dedication. After the dedication, the temple grounds will remain open to visitors; however, entry into the temple itself will be reserved for faithful members of the Church.

There are nearly 18,000 members of the Church in Cambodia. The temple will serve Church members in Cambodia and parts of Vietnam.

The architecture of the temple is inspired by traditional Khmer design elements and cultural heritage, with a central spire surrounded by four smaller spires.

The temple was announced by Church President Russell M. Nelson on 7 October 2018. Groundbreaking was held 18 September 2021, with the dedicatory prayer offered by Cambodia Phnom Penh Mission President Veasna Kuonno Neang.

Temples of The Church of Jesus Christ of Latter-day Saints differ from meetinghouses or chapels, where members gather for Sunday worship services. Each temple is considered a House of the Lord, where Jesus Christ’s teachings are reaffirmed through sacred ceremonies that unite families eternally.

In the temple, Church members learn more about the purpose of life. They learn where we came from before birth, why we are on this earth, and what will happen after we die. In the temple, members make promises to follow Jesus Christ and to serve others.

Hashtag: #PhnomPenhCambodiaTemple #CambodiaTemple #TempleOpenHouse #HouseOfTheLord #ComeAndSee #ChurchofJesusChrist #LatterDaySaints #JesusChrist #LDS

https://news-kh.churchofjesuschrist.org/
https://www.facebook.com/ChurchofJesusChrist.kh

The issuer is solely responsible for the content of this announcement.

The Church of Jesus Christ of Latter-day Saints

The Church of Jesus Christ of Latter-day Saints is a worldwide Christian faith of nearly 18 million members, centered on the belief that all people are children of a loving God and that Jesus Christ is the Savior of mankind. Its mission is to bring people to Christ through learning His gospel, making special promises, and practicing love and service.

Members help others by living Christ’s teachings, caring for those in need, inviting all to receive the gospel, and uniting families eternally through temple work. Members are encouraged to be law-abiding, patriotic citizens who love and support their families, creating strong communities and a peaceful society.

The Church has more than 30,000 congregations in more than 160 countries, led by volunteer local leaders.

The Church offers resources in more than 110 languages, operates universities, and has a large humanitarian aid program. It has completed more than 670 humanitarian projects in Cambodia. The Church was restored in 1830 by Joseph Smith after a divine visitation. The Book of Mormon, a sacred record, complements the Bible, testifying of Jesus Christ’s divinity.

Revenue for the financial year ended March 2026 rose from nearly $9 billion a year earlier, driven mainly by demand for iPhones, Mac computers and services. The increase came as Apple widened its company-owned retail network, expanded financing options and deepened distribution beyond the largest metropolitan centres.

The performance marks a sharp acceleration from the roughly $8 billion recorded in the year ended March 2024. It also underlines Apple’s ability to gain ground in a price-sensitive market where devices using Google’s Android operating system account for the overwhelming majority of smartphone sales.

The iPhone remained Apple’s largest source of revenue in the country. Sales were supported by premiumisation in the smartphone market, trade-in programmes and instalment plans that reduced the upfront cost of devices. Older iPhone models also continued to attract buyers after price reductions following new product launches.

Apple does not disclose country-level sales in its global financial statements. The India figure reflects sales booked through its local operation and may include products distributed through company stores, online channels, authorised resellers and large electronics chains.

The company now operates six physical stores across Mumbai, Delhi, Bengaluru, Pune and Noida. Its latest outlet opened in Borivali, Mumbai, in February, adding to Apple BKC, Apple Saket, Apple Hebbal, Apple Koregaon Park and Apple Noida.

Further retail expansion is being prepared, including another store in Bengaluru. Apple has also been recruiting specialists, technical staff and customer-support employees for multiple locations, indicating that its direct-sales presence will continue to grow.

Company-owned stores offer Apple greater control over pricing, product presentation and after-sales support. They also provide space for training sessions, product demonstrations and technical services, helping the group build customer loyalty in a market where many purchases have traditionally been made through third-party retailers.

The Apple Store online, launched in 2020, remains an important part of the company’s strategy. It allows customers across the country to access trade-ins, custom Mac configurations, education pricing and direct delivery, including in cities without a physical Apple outlet.

Apple’s sales expansion has coincided with a substantial increase in local manufacturing. Contract manufacturers Foxconn and Tata Electronics have raised iPhone assembly capacity, while suppliers are expanding component operations to support a broader production ecosystem.

The country is expected to account for about a quarter of global iPhone production during 2026. Apple has also been working to supply a larger share of devices sold in the United States from factories operated by its partners in the country, reducing dependence on China.

The manufacturing network includes operations in Tamil Nadu and Karnataka, with further investment planned in assembly, enclosures, display components and semiconductor-related infrastructure. The expansion is being supported by production incentives and proposed tax concessions for foreign companies supplying equipment to contract manufacturers.

Authorities have proposed extending exemptions covering machinery provided to electronics producers until 2041. The measures are designed to reduce tax uncertainty for global suppliers and encourage longer-term investment in mobile phones, laptops, tablets and wearable devices.

Local production has helped Apple avoid some import duties and improve product availability. However, the company still relies heavily on components sourced from abroad, and manufacturing costs can remain higher than in China because of logistics, tariffs and a less developed supplier base.

India delivered another record quarter for Apple during the three months ended June. Mac sales reached an all-time high in the country, while demand for iPhones and other devices continued to expand.

Globally, Apple reported revenue of $109.42 billion for its fiscal third quarter, up 16 per cent from a year earlier. iPhone revenue climbed 22 per cent to $54.25 billion, while Mac revenue advanced 29 per cent to $10.35 billion.

Despite its growth, Apple remains a relatively small player by unit volume in the country’s smartphone market. Its share is considerably stronger in the premium category, where consumers are showing greater willingness to spend on high-end devices, financing plans and connected services.

Spotlighting Macao’s Emerging Medical and Wellness Sector

MACAU SAR – Media OutReach Newswire – 3 August 2026 – iRad Hospital, a premier medical and wellness facility launched by Melco Resorts & Entertainment and iRad Group, was recently featured in a July 2026 episode of CNN’s internationally broadcast program Meanwhile in Asia. The program discussed Macao’s efforts to diversify its economy beyond gaming, spotlighting its medical and wellness tourism sector.

During the episode, CNN examined how destinations across Asia are seeking new growth avenues, noting Macao’s strategic push to develop a niche in medical tourism. The feature included a visit to iRad Hospital, which opened within a luxury integrated resort environment, and highlighted its proposition of allowing visitors to incorporate health screenings and aesthetic treatments into their leisure or family stays.

Located at Melco’s Studio City, iRad Hospital is the world’s first and Macao’s only integrated resort hospital. In partnership with iRad, Melco is playing a leading role in advancing Macao’s medical tourism development by integrating healthcare and wellness services with its world-class Forbes Five-star spa portfolio. The initiative aligns with Macao’s broader economic diversification objectives and contributes to strengthening the city’s appeal to high-value international visitors beyond gaming.

iRad Hospital offers advanced diagnostic imaging, wellness and preventive care, aesthetic medicine, executive health screening, and dedicated medical concierge services. Through partnerships with leading hospitals and institutions in Hong Kong, the United States and Korea, the hospital provides visitors with access to expanded specialty medical resources and healthcare options.

Mr. Lawrence Ho, Chairman & CEO of Melco Resorts & Entertainment, said, “Macao’s next phase of development will be defined by quality, innovation, and diversification. As the leading integrated resort operator, we are committed to advancing the evolution of the integrated resort model beyond traditional hospitality—integrating culture, wellness, and high‑value services that strengthen the city’s long‑term competitiveness. Through initiatives such as iRad Hospital at Studio City, Melco is helping shape the development of integrated medical and wellness tourism and enhancing Macao’s visibility as a diversified international destination.”

Hashtag: #melco #iRadHospital #iRad #StudioCity #medicaltourism #wellness

https://www.melco-resorts.com
https://hk.linkedin.com/company/melco-resorts-entertainment
https://x.com/MelcoResorts
https://www.facebook.com/MelcoCSR/
Wechat: 新濠博亚娱乐

The issuer is solely responsible for the content of this announcement.

About Melco Resorts & Entertainment Limited

The Company, with its American depositary shares listed on the Nasdaq Global Select Market (Nasdaq: MLCO), is a developer, owner and operator of integrated resort facilities in Asia and Europe. The Company currently operates City of Dreams (www.cityofdreamsmacau.com) and Altira Macau (www.altiramacau.com), integrated resorts located in Cotai and Taipa, Macau, respectively. In addition, the Company operates Studio City (www.studiocity-macau.com), a cinematically-themed integrated resort in Cotai, Macau. In the Philippines, the Company operates and manages City of Dreams Manila (www.cityofdreamsmanila.com), an integrated resort in the Entertainment City complex in Manila. In Europe, the Company operates City of Dreams Mediterranean, an integrated resort in Limassol, in the Republic of Cyprus (www.cityofdreamsmed.com.cy). In South Asia, the Company manages the Nüwa hotel at City of Dreams Sri Lanka (www.cityofdreamssrilanka.com), an integrated resort in Colombo, Sri Lanka. For more information about the Company, please visitwww.melco-resorts.com.

The Company is majority owned by Melco International Development Limited, a company listed on the Main Board of The Stock Exchange of Hong Kong Limited, which is in turn majority owned and led by Mr. Lawrence Ho, who is the Chairman, Executive Director and Chief Executive Officer of the Company.

About iRad – Hong Kong’s largest MRI diagnostic services provider

Established in 2006, iRad is a trusted leader in diagnostic radiology across Hong Kong. As at 2024, iRad was the largest MRI diagnostic services provider in Hong Kong by revenue and by the number of MRI scanners. Focused on delivering high-quality imaging services and exceptional patient care, the Group’s strong and extensive client base includes the Government of the Hong Kong SAR, as well as other high-profile medical groups, corporations, private doctors and NGOs. Meanwhile, iRad Hospital is the first and largest private medical imaging and examination service provider within an integrated resort in Macau, making iRad Group the first medical imaging group in the world to offer comprehensive private imaging and examination services, including MRI and CT services, to the integrated resort industry.