Our business model is built and improved based on the success of industry giants in Thailand's "title lending" segment such as Muongthai, Ngern tid lor, and Srisawad. By thoroughly researching, learning, and innovating from the successful experiences of these businesses, F88 has shaped a well-developed growth strategy that suits the Vietnamese market conditions.

We would like to express our sincere gratitude for the trust and confidence that our shareholders and investors have placed in F88 over the years. Your support and companionship are a great motivation and invaluable contributions to F88's development and future direction. The F88 leadership team is always grateful and strives tirelessly to reciprocate that trust.

To enhance interaction and transparency in communication with the investment community, we have built an official Investor Relations Website. Here, you will be provided with useful information such as financial reports, company information, news and events, and also help the F88 leadership team receive questions and listen to suggestions from existing and potential shareholders and investors.

Once again, I would like to express my sincere thanks to our shareholders and investors. Your enduring trust and confidence are always a valuable asset to the entire F88 team.

Sincerely,

Chairman of the Board of Directors

F88 Investment Joint Stock company