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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.

As awareness around women’s health continues to grow, menopause remains a life stage that is frequently underserved by mainstream health solutions. JR Life Sciences is responding to this gap with a science-backed, plant-derived formulation that offers a natural alternative to conventional hormone-based therapies, one that is both accessible and aligned with the preferences of today’s health-conscious consumer.

Menopause Relief is a once-daily capsule containing three plant-based phytoestrogens, each selected for their clinically studied benefits in managing menopause symptoms and supporting long-term health. The formulation is free from synthetic hormones and is suitable for both vegetarian and vegan diets, making it broadly accessible across diverse consumer lifestyles.

Key active ingredients include:

• Lifenol Hops Extract (8-PN phytoestrogen): Shown to lessen hot flushes, night sweats, sleep disturbances, restlessness and irritability while helping to maintain total-body bone-mineral density.
• Flax Lignan (SDG phytoestrogen): Provides gentle hormonal support that helps balance oestrogen levels during the transition.
• Soy Isoflavone (genistein and daidzein): Supports bone strength, reduces hot flashes and steadies mild mood swings.

The launch of Menopause Relief reflects a broader strategic priority for JR Life Sciences: to expand its women’s health portfolio in response to growing consumer demand for natural health solutions. In Singapore, where an ageing population is driving increased interest in preventive health and targeted supplementation, the company sees a significant opportunity to better serve women navigating the menopause transition.

Holistic Way currently distributes a comprehensive range of nutraceuticals across key health categories, including:

• Musculoskeletal Health: Products categorised under joint supplements to address knee pain and mobility concerns in ageing demographics.
• Immunity & General Health: Daily essentials ranging from Vitamin C tablets and multivitamin supplements to vitamins for the immune system.
• Specialised Care: Targeted formulations including eye health supplements, probiotics supplements, and heart health supplements.
• Beauty & Wellness: Functional supplements such as collagen shots, hair growth supplements, and anti-ageing supplements.

As JR Life Sciences prepares for 2027, its focus remains on addressing unmet market needs and evolving consumer expectations. Guided by a commitment to science-backed innovation and quality, the company continues to invest in building a future-ready product pipeline that supports long-term well-being and reinforces trust among consumers in Singapore and beyond.

Menopause Relief is now available through Holistic Way’s retail and digital channels. For more information, visit https://holisticway.com.sg/.

Hashtag: #HolisticWay

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

About Holistic Way

Holistic Way is a leading Singapore-based health supplement brand under JR Life Sciences, committed to supporting holistic wellbeing through science-led nutrition. The brand offers a comprehensive range of supplements formulated to support key health areas, including immunity, hormonal balance, joint health, digestive wellness, and healthy ageing. Guided by evidence-based research and stringent quality standards, Holistic Way focuses on delivering effective, reliable solutions that address both everyday wellness needs and specific life-stage concerns. Through its emphasis on scientific integrity and product excellence, Holistic Way empowers individuals to take proactive control of their health and well-being.

The certification recognizes the substantial progress Vinhomes Green Paradise has made in advancing its smart city development in alignment with international standards. WCCD acknowledged that the project has achieved remarkable progress in its design, planning, and development strategy. This WCCD Certification serves as an important foundation for the project as it advances toward Full Certification upon commencement of operations.

The award of the WCCD Interim Custom ISO 37122 Smart City Certification follows a comprehensive assessment conducted by the WCCD and based upon the customized indicators framework WCCD specifically developed for greenfield development projects. The framework incorporates the core principles of ISO 37122, one of the world’s most respected international standards for measuring and evaluating smart city performance.

Dr. Patricia McCarney, President & CEO of the World Council on City Data (WCCD) and Director of Standardized Urban Metrics (SUM), stated: “This WCCD InterimCustom ISO 37122 Smart City Certification recognizes Vinhomes’ long-term vision and commitment to developing a smart, sustainable, and future-ready urban model. The Vinhomes Green Paradise – Can Gio urban development project is now equipped with a powerful baseline of data designed to propel success, providing a strong foundation for year-over-year monitoring of development goals in smart urban governance, infrastructure development, technology adoption and sustainability, ensuring Full ISO 37122 Certification once operations commence. We congratulate Vinhomes on this important certification milestone, a global first, setting a new precedent for greenfield developments in cities worldwide.“

Mr. Chulse Oh, Head of AX Group at Korea Management Association Consultants (KMAC), commented: “The award of the WCCD Interim Custom ISO 37122 Smart City Certification marks an important milestone in realizing the vision of a world-class smart city in Vietnam. KMAC will continue to support the project in developing smart city solutions and implementation strategies and refining the criteria for a comprehensive smart city model during the operational phase.”

In March 2026, Vinhomes Green Paradise officially launched its Smart City Certification Project in partnership with WCCD, SUM, and KMAC. Under the agreed roadmap, the Interim Custom Certification represents the first major milestone in the process of assessing and refining the criteria for a comprehensive smart city model aligned with international standards.

Vinhomes Green Paradise benefits from a unique geographical setting, overlooking the Can Gio Sea and adjacent to the UNESCO-recognized Can Gio Mangrove Biosphere Reserve, which spans over 75,000 hectares. The development features a total area of 2,870 hectares, and a construction density of only 16%. Vinhomes is pioneering the project under its enhanced ESG++ model, structured around five pillars: Environment, Social, Governance, Regeneration, and Climate Adaptation.

Upon full operation, the entire urban management system will be greened, with the goal of utilizing 100% clean electricity generated from renewable energy sources and achieving 100% net-zero emission transportation. In addition to strict compliance with environmental protection standards, the project places a strong emphasis on biodiversity conservation and ecosystem regeneration, aligned with Ho Chi Minh City’s climate adaptation strategy.

To support these efforts, a Forest Regeneration and Climate Adaptation Fund will be established to finance research, restoration, and long-term resilience initiatives. A key focus of the fund is the regeneration of the Can Gio mangrove ecosystem, helping to create a protective green belt for the entire development.

With its pioneering ESG++ vision, Vinhomes Green Paradise has become the first Official Participant in the “7 Wonders of the Future Cities” campaign initiated by New7Wonders.

The award of the WCCD Interim Custom ISO 37122 Smart City Certification further reinforces Vinhomes Green Paradise’s pioneering vision in advancing a smart and sustainable urban model that meets international standards, while progressing toward becoming a benchmark future city for the region and the world.

Hashtag: #Vinhomes

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

About Vinhomes

Vinhomes is Vietnam’s leading real estate investment, development, and management company. It currently operates 32 urban developments while expanding its portfolio of flagship projects across strategically important provinces and cities nationwide. By integrating Environmental, Social, and Governance (ESG) principles with modern, highly connected infrastructure, Vinhomes is creating world-class integrated townships and megacities that are redefining Vietnam’s real estate market, driving sustainable development, and elevating the country’s urban landscape to international standards.

About the World Council on City Data (WCCD):

Established in Canada in 2014, the World Council on City Data (WCCD) is committed to helping cities and communities of all sizes globally embrace ISO standardized, independently verified, and globally comparable city data. The organization facilitates data-driven decision-making processes in management, planning, and investment, enabling cities to become more sustainable, safe, resilient, prosperous, inclusive, and smart.

The WCCD team of professionals spearheaded the development and implementation of three international standards on city data, which have been published by the International Organization for Standardization (ISO) in Geneva. These standards, referred to as the WCCD ISO 37120 Series on City Data, encompass ISO 37120 (Indicators for Sustainable Cities), ISO 37122 (Indicators for Smart Cities), and ISO 37123 (Indicators for Resilient Cities).

Since its inception, the WCCD has been expanding its global network of cities dedicated to high-caliber data. The WCCD collaborates with more than 125 cities across 40 different countries.

About Standardized Urban Metrics (SUM):

Cities worldwide are taking centre stage in the drive toward sustainable development and the prosperity of nations. Standardized Urban Metrics (SUM) is designed to build on the strengths of its rapidly expanding global network of city leaders, senior levels of government officials, private capital market professionals and key international organizations and industry innovators dedicated to securing a better future for cities.

SUM’s service provision spans services connected to the ISO 37120 Series (ISO 37120 – Indicators for City Services and Quality of Life, ISO 37122 – Indicators for Smart Cities and ISO 37123 – Indicators for Resilient Cities) in partnership with the World Council on City Data (WCCD). The SUM team work with city leaders and private developers to customize these ISO certifications for new greenfield developments – new cities, new business districts and new communities.

SUM houses a new global first – the ISO 37125 International Standard on Environmental, Social and Governance (ESG) Indicators for Cities and Regions. The SUM ISO 37125 certification protocol supports cities to report ESG city level data in conformity with the ISO globally standardized definitions and methodologies. SUM’s third-party verification process ensures the highest calibre data for cities across the globe. This Standard provides city leaders, governments, and the private sector with a robust, data-driven framework to guide ESG initiatives, drive infrastructure investment, attract investment, create and implement strategic planning decisions, propel innovation, and ensure socially inclusive planning and management. SUM is welcoming cities to join an exciting global cohort of World Premiere Cities – the first ISO 37125-certified cities.

SUM establishes a global hub for innovative learning partnerships among leaders of cities and private capital markets. Together, SUM and its partners foster innovation, imagine alternative futures, and create more livable cities. Certification by SUM underscores a collective commitment to a sustainable and prosperous future for cities and regions.

For more information, please contact:

Dr. Patricia McCarney
President & CEO, World Council on City Data (WCCD) and
Director, Standardized Urban Metrics (SUM)
patricia.mccarney@globalcities.ca

About KMAC

Korea Management Association Consultants (KMAC) is one of Asia’s leading management consulting firms, delivering end-to-end capabilities from strategy formulation and transformation design to operational implementation and performance improvement. For decades, KMAC has served as a trusted innovation partner to the Korean government, public institutions, and leading private-sector enterprises, helping shape and execute initiatives that strengthen national competitiveness, modernize industries, and advance digital and AI transformation, sustainability, and organizational excellence. By combining deep sector expertise, rigorous strategic insight, and proven execution capabilities with an extensive regional network, KMAC enables clients to convert ambitious visions into actionable roadmaps, measurable operational outcomes, and sustainable growth across Asia and global markets.

For more information, please contact:

Mr. Young Hwan Park
Team Lead of Asia Business Center,
Korea Management Association Consultants (KMAC)
Davidpark819@kmac.co.kr

Just over half of respondents in a nationwide CVoter survey conducted last week said they were unhappy with the government’s response to leaks involving the national medical entrance examination. The controversy led to the invalidation of results affecting about two million candidates, disrupting admissions and intensifying scrutiny of the country’s testing system.

Disapproval extended into Modi’s political base. Among supporters of the Bharatiya Janata Party-led National Democratic Alliance, 40 per cent said the government had not handled the crisis well, while 44 per cent approved of its response. The narrow margin among governing-coalition voters suggests that the examination issue has cut across conventional political loyalties.

The findings present a political challenge for Modi, whose government has promoted education, skills and employment as pillars of its development agenda. Competitive examinations remain one of the principal routes to medical colleges, universities and secure public-sector employment, particularly for candidates from lower-income families.

The protests began after evidence emerged that questions from the medical entrance test had been leaked. The government subsequently annulled the results and organised another examination, requiring candidates to repeat months of preparation while families absorbed additional coaching, travel and accommodation costs.

Students and parents argued that cancellation alone did not address the failures that allowed confidential examination material to circulate. Many demanded criminal accountability, compensation for affected families, structural reform of the National Testing Agency and the resignation of education minister Dharmendra Pradhan.

The demonstrations expanded from education-related demands into a wider expression of frustration over youth unemployment, inequality and limited access to stable work. People below the age of 30 are three times more likely to be unemployed than the average citizen, adding economic pressure to a testing system already burdened by intense competition.

At least two dozen examinations have had their results cancelled because of leaks since 2014. The repeated disruptions have damaged confidence in a system through which millions compete for a limited number of medical seats and government positions.

The agitation was spearheaded by the Cockroach Janta Party, a youth movement whose satirical name was adopted after controversial remarks about unemployed young people. The organisation mobilised candidates, teachers and families through social media before drawing tens of thousands to demonstrations in New Delhi and other cities.

More than 50,000 people were estimated to have joined an attempted march towards Parliament on July 20. Police used batons and tear gas during confrontations with demonstrators, while authorities said officers were injured and maintained that crowd-control measures were necessary.

Images of injured students and allegations of excessive force broadened public sympathy for the campaign. Support came from opposition politicians, actors, educators and professional groups, although organisers sought to present the movement as independent of established political parties.

Pradhan resigned on July 25 after weeks of pressure, marking an unusual retreat by a government that has generally resisted demands for ministerial departures. Protesters celebrated the decision but maintained that changing the minister would have limited value without stronger oversight of examination bodies.

Modi later addressed young people through a video message, promising action against those responsible for paper leaks and saying students who participated in demonstrations should not face punishment. The government also agreed to consider compensation for families of candidates who died by suicide after examination-related disruptions.

Parliament has since debated tighter provisions under the law designed to prevent unfair practices in public examinations. Proposed changes include harsher penalties for organised groups, testing companies and individuals involved in obtaining or distributing examination papers, along with measures intended to accelerate trials.

The government has also announced a panel to review the examination system. Areas requiring attention include the security of question papers, the selection and supervision of testing centres, digital safeguards, grievance procedures and the accountability of private contractors.

Opposition parties have argued that legislation will be ineffective without independent investigations and administrative responsibility. Government representatives have countered that paper leaks have occurred under different parties and across several states, making institutional reform more important than partisan blame.

The survey indicates that the government’s measures have yet to restore public confidence. Even after the minister’s resignation and promises of tougher enforcement, dissatisfaction remains substantial among voters who normally support Modi’s coalition.