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The escalating drought and saltwater intrusion have severely impacted daily life and agricultural production, particularly in the Mekong Delta. In response, FE CREDIT has expanded its humanitarian initiative, "Standing Together for the Community, Turning Dreams into Reality,"to assist disaster-affected and underprivileged residents. As part of this effort, the company has donated hundreds of water storage tanks to communities in Bến Tre and Long An provinces, helping them better cope with freshwater shortages during the dry season. Providing essential water storage solutions According to the National Center for Hydro-Meteorological Forecasting, from February to May 2025, the total water flow from the upper Mekong River to the downstream and Mekong Delta is expected to be 5–12% lower than the multi-year average. Saltwater intrusion is projected to reach deep into river mouths in the region by mid-February 2025, with the possibility of localized water shortages at certain times due to the intensified intrusion. As a result, drought and saltwater intrusion are expected to persist with complex developments, significantly affecting daily life and agricultural production in the Mekong Delta provinces. In reality, despite prior warnings, residents of the Mekong Delta provinces continue to struggle with securing and storing freshwater during the peak of the drought and saltwater intrusion season. Phước Vĩnh Đông Commune, Cần Giuộc District, Long An Province, located downstream of the Vàm Cỏ River, has been severely affected by saltwater intrusion since the beginning of the year. Each year, the area is surrounded by saltwater for several months. However, due to the scattered nature of settlements along numerous canals and waterways, delivering clean water to residents remains a significant challenge. Most households store freshwater for irrigation in their garden ditches and keep clean water in large jars or tanks for daily use when tap water becomes salinized. Nevertheless, as the drought and saltwater intrusion persist, families without large-capacity water storage facilities often struggle to maintain a sufficient supply throughout the dry season. During FE CREDIT’s recent water storage tank donation, residents of Phước Vĩnh Đông, an area heavily affected by saltwater intrusion, were overjoyed to receive these much-needed tanks, helping them cope with the ongoing freshwater shortage. Mr. Nguyễn Ngọc Lành, a resident of Phước Vĩnh Đông Commune, enthusiastically shared: “From March to the end of lunar new year, Phước Vĩnh Đông suffers from severe water shortages. Now, thanks to FE CREDIT’s donation of a clean water storage tank, we are truly grateful. Having a tank to store water makes the Lunar New Year much easier and more enjoyable. Thank you, FE CREDIT!" Residents of Phước Vĩnh Đông Commune delighted to receive water storage tanks Mr. Lê Văn Nhất, Vice Chairman of the People’s Committee of Phước Vĩnh Đông Commune, Cần Giuộc District, Long An Province, shared: “The water storage tanks donated by FE CREDIT are highly meaningful and practical for disadvantaged households in Phước Vĩnh Đông. This support will help residents better cope with the challenges of the upcoming dry season”.   FE CREDIT's commitment to sustainable community development Beyond providing material support, FE CREDIT’s water storage tank donation program is an annual initiative aimed at collaborating with local authorities to fulfill social responsibilities and contribute to building a sustainable community. Many residents of Tiệm Tôm Town, Ba Tri District, could not hide their emotions upon receiving this practical gift. Mr. Sơn So, a resident of Tiệm Tôm Town, shared that in the past, before tap water was available, locals had to collect and store rainwater for daily use. Today, while tap water is accessible, saltwater intrusion remains a challenge. Even after treatment, the water still contains salinity. As he quickly set up the newly donated water storage tank, Mr. Sơn So expressed his gratitude: “This year, thanks to FE CREDIT’s support, my family finally has a proper water tank to store fresh water for the dry season and saltwater period. We no longer have to rely on makeshift containers, and that makes me really happy!” Mr. Sơn So’s family will no longer face freshwater shortages during this year’s dry season and saltwater intrusion period. Sharing the same joy, Mrs. Lê Thị Sáu, a resident of An Thuận Hamlet, Tiệm Tôm Town, expressed her gratitude upon receiving the water storage tank: “I am so happy to receive this water storage tank today. My family couldn't afford one, so we had to carry water from afar. Now, we won't have to fetch water anymore. My two grandchildren will finally have access to clean water for bathing and cooking. I feel so relieved.”. This donation program underscores FE CREDIT's dedication to supporting local communities. Beyond providing timely assistance, it represents an investment in the future, aiming to help residents overcome challenges and promote long-term positive and sustainable impacts on the environment and society. Over the past year, FE CREDIT has continuously carried out impactful humanitarian initiatives, spreading positive values throughout the community. In Ho Chi Minh City, the company has supported the “Pair of loving leaves” program by donating three scholarships worth 150 million VND, providing children from particularly disadvantaged backgrounds with the opportunity to access education. Additionally, FE CREDIT collaborated with Dân trí Newspaper to implement scholarships in Bac Lieu province, offering 100 scholarships to hardworking, underprivileged students. Notably, in Ha Quang District, Cao Bang Province, the company joined forces with the Sài Gòn Giải Phóng Newspaper donating 100 scholarships worth 100 million VND, helping students overcome difficulties and paving the way for a brighter future. FE CREDIT will continue to implement meaningful community programs, supporting communities in realize their dreams into reality in the future Amid escalating climate change and increasingly urgent environmental and social challenges, FE CREDIT remains committed to creating positive and sustainable values, contributing to the protection and development of both the environment and local communities. Mr. Lê Quốc Phận, a representative of FE CREDIT, shared: "For years, severe drought and saltwater intrusion have created major challenges, directly impacting daily life and agricultural production. Understanding these difficulties, FE CREDIT aims to contribution by donating clean water storage tanks. This is not just an immediate relief effort—it reflects our commitment to standing with the community through difficulties." Moving forward, FE CREDIT will continue to expand its corporate social responsibility initiatives across various provinces and cities. The beneficiaries will go beyond underprivileged households to include students, workers, and other community groups in need. FE CREDIT hopes that these efforts will inspire other organizations and businesses to contribute to a better future for Vietnamese communities.

At the recent "Cashless Day 2025" event held in Ho Chi Minh City, FE CREDIT made a strong impression with its modern digital experience space, especially through the financial multifunction app named FE ONLINE 2.0. The app attracted thousands of visitors thanks to not only its smooth and convenient user experience, but also its wide range of financial products and advanced features, all in one platform. Therefore, FE CREDIT continued to reinforce its pioneering role in financial technology transformation and contribute to the promotion of smart living and modern spending in the digital era. FE ONLINE 2.0 – Enhancing the consumer lending experiences Throughout the event, FE CREDIT’s booth was a popular stop for both delegates and attendees. Its experience space was designed with a modern, eye-catching and tech-forward look. The area was highlighted by the brand's signature green colour from the check-in points, digital interaction zone to financial consultation counters. On this occasion, FE CREDIT officially brought the FE ONLINE 2.0 app, which is an upgraded financial app with a range of new, user-friendly and optimized features, closer to the audiences. The app offered multiple services, including flexible cash loans, credit card applications, digital banking, as well as tools to help users track and manage their loans by several steps through mobile phones. Deputy Prime Minister Hồ Đức Phớc (second man from right) visited FE CREDIT’s booth at VPBank Cashless City. Photo: FE CREDIT. Thanks to its user-friendly interface, fast processing and personalized features, the app received positive feedback from various age groups of users. Most notably, a large number of visitors were young people, who are a potential group for the modern consumer finance trend. For them, financial apps need to be not only quick and easy to use, but also capable of understanding their individual needs. This is also the essential direction in FE CREDIT's digital transformation strategy. Thousands of app downloads and positive visitor feedback at the event demonstrated the appeal of FE ONLINE 2.0. Mr. Minh Tuấn (28 years old, from Tan Phu District), a visitor at the event, shared: " I used to think consumer loans involved complicated procedures and a lot of travel. However, after being introduced to and guided through using FE ONLINE 2.0, I found it very easy. In the future, if I need to borrow, I’ll definitely choose FE CREDIT’s consumer finance products through this app.” Various interactive activities and FE ONLINE 2.0 app introductions were deployed at the booth for visitors. Photo: FE CREDIT. The atmosphere at FE CREDIT’s booth remained lively throughout the event due to engaging interactive activities, such as lucky draws and check-in gift redemption. The joy of receiving gifts and closed conversations with the consultation team created a natural and friendly connection between the brand and customers. The appearance of FE ONLINE 2.0 app at Cashless Day 2025 clearly demonstrated FE CREDIT’s commitment to supporting the Government and the State Bank of Vietnam in promoting digital transformation for the finance and banking sector. Especially in rural and remote areas, where traditional financial services remain limited, technology has become a key solution. Through the FE ONLINE 2.0 app, customers across different regions can easily reach consumer finance products and receive online consultation, helping bridge the gap in access to services between regions. Benefits for Gen Z in the era of digital consumer finance  Alongside interesting activities at the booths, another highlight of Cashless Day 2025 was the workshop named “Live Digitally – Live Fully”, which was themed “Benefits for Gen Z in era of digital transformation consumer lending”. At this session, the representative from FE CREDIT and experts in finance, banking, and technology, shared their perspectives on digital consumption trends and new financial habits of the community, especially Gen Z – a generation benefiting from digital consumer finance services and products. According to FE CREDIT’s representative, Gen Z is the first generation to grow up entirely in a digital environment, where information about business, investment, economics, and society can be easily found and shared. This shapes their open-minded and distinct approach in managing personal finance. This generation has gradually changed their perception of the term “borrowing”, which is no longer a burden but an investment to fulfill their legitimate needs, such as education, entrepreneurship, technology, travel experience, and consumer lending solutions that serve as their foundation to achieve greater aspirations. FE CREDIT’s representative participated in the workshop “Live Digitally – Live Fully”. Photo: FE CREDIT. Moreover, Gen Z has a higher risk tolerance than previous generations which is not due to their recklessness, but because they are educated about finance, earning and managing money from an early age. This fosters their independent and proactive financial mindset. As a result, credit institutions and finance companies are entering an era, where Gen Z is no longer passive end-users but trendsetters defining new standards for the market. Digital transformation at enterprises is not merely a technology race but a long-term strategy aimed at enhancing user experience, prioritizing customer satisfaction, and putting the customer at the center of all change. With a modern financial mindset, Gen Z is contributing to a shift in the consumer finance market. Photo: FE CREDIT. The workshop wrapped up with a strong message, which was that living digitally wasn't just about convenience, but it is about making thoughtful plans and being responsible for financial choices. Gen Z contributes to shaping a more modern and transparent consumer finance market by their exceptional digital adaptability, fresh financial mindset, and proactive decision-making. With a strong commitment as well as methodical and comprehensive digital strategies, FE CREDIT is continually improving the quality of consumer finance products and services in Vietnam, helping every resident access financial solutions quickly, safely, and sustainably. On June 14th – 15th, 2025, FE CREDIT participated in Cashless Day 2025 alongside VPBank, as a member of the VPBank financial ecosystem. This annual event aims to shape and reinforce habits, drive behavioral changes in the adoption of digital payment methods and platforms, and affirm the strategic role of cashless transactions to contribute to the Government's “Scheme on Cashless Payment Promotion in Vietnam for the 2021-2025 Period.”