SINGAPORE – Media OutReach Newswire – 26 June 2025 – Singapore based fintech ROSHI has released a new report analysing credit card debt levels across Southeast Asia, providing insights into how consumers in the region are managing high-interest unsecured debt amidst ongoing economic pressures.

Credit Card Debt in ASEAN and Beyond 2025

The report reveals that Singapore has one of the highest average credit card balances in the region with cardholders carrying an average of S$5,335 equivalent to 86% of the average monthly income. While this may appear significant, ROSHI’s analysis suggests that strong repayment habits and access to advanced financial infrastructure mean that credit card usage in Singapore is largely strategic rather than unsustainable.

However, the situation varies dramatically across the region. In the Philippines, the average credit card balance stands at S$2,092, while the average monthly income is just S$492 resulting in a debt-to-income ratio of over 425%. This finding highlights growing consumer vulnerability in emerging markets with limited access to affordable credit solutions.

“Our research shows that while Singaporeans are carrying high card balances, they tend to use credit more strategically for cashback and point rewards compared to some of their regional neighbours,” said Mr. Amir Nada, ROSHI CEO. “But with interest rates on credit cards still hovering around 25–29%, it’s critical for consumers to remain proactive in how they manage unsecured debt.”

The report also explores regional macroeconomic trends including inflation, interest rate environments and digital financial adoption offering a broader context to credit card debt dynamics across ASEAN and beyond.

ROSHI remains committed to providing transparent, data-led insights to support smarter financial decisions for individuals in Singapore and the wider Southeast Asian region.

The full report is available at:
https://www.roshi.sg/credit-card-debt-report-asean-and-beyond/

Hashtag: #ROSHI

https://www.roshi.sg/
https://www.linkedin.com/company/roshi-marketplace/
https://www.facebook.com/ROSHI.Smart.Lending/

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

About ROSHI

ROSHI is a Singapore-based fintech transforming digital lending across Southeast Asia. Since launching its proprietary automated platform in March 2022, instantly provides personalised loan options to borrowers by leveraging AI algorithms and machine learning. Currently facilitating home and personal loans through partnerships with various lenders, ROSHI has assisted hundreds of consumers in obtaining loan approvals while providing valuable market insights.

HONG KONG SAR – Media OutReach Newswire – 26 June 2025 – In a landmark achievement for Hong Kong’s higher education sector, The Chinese University of Hong Kong (CUHK) has surpassed its previous performance in the newly released QS World University Rankings 2026, climbing to 32nd position globally. This institutional milestone is partially contributed by the outstanding performance of CUHK’s Faculty of Social Science, which continues to excel in the QS World University Rankings by Subject 2025, with Communication & Media Studies ranking 12th globally, Sociology at 18th, and Geography at 19th position. Other notable achievements include Psychology at 32nd, Architecture/Built Environment at 35th, and Economics & Econometrics at 37th, while Social Sciences & Management ranks 47th worldwide.

Comprising three schools and five departments, CUHK’s Faculty of Social Science offers cutting-edge taught and research postgraduate programmes across various disciplines, including Architecture, Economics, Geography and Resource Management, Governance and Policy Science, Journalism and Communication, Psychology, Social Work, and Sociology. This interdisciplinary approach, combined with a rich intellectual and cultural environment, empowers students to address complex social challenges and become engaged global thought leaders.

Breaking New Ground in Research Excellence

The Faculty’s research impact is exemplified by distinguished scholars like Professor Mei-Po KWAN, Choh-Ming Li Professor of Geography and Resource Management. Professor Kwan’s groundbreaking work in geographic information science and environmental health has revolutionised the understanding of human mobility and urban health issues. Her work has inspired much new mobility-based research in public health, sociology, health geography, and urban studies on a wide range of topics, including the health impacts of individual exposure to green space, air pollution, noise, traffic congestion, social environments, and ethnic/racial segregation. As a recipient of numerous prestigious global honours, including two Lifetime Achievement Awards (one from the International Geographical Union and the other from the International Association of Chinese Professionals in Geographic Information Sciences) and the James R. Anderson Medal of Honor in Applied Geography, Professor Kwan’s contributions continue to shape the field.

Adding to the Faculty’s achievements, Professor Edward NG, Yao Ling Sun Professor of Architecture, recently became the first architect-designer and Hong Kong scholar to receive the prestigious Luke Howard Award from the International Association for Urban Climate (IAUC). A leading public advocate for climate-responsive architecture design, Professor Ng’s work bridges urban climate science, urban design and planning practice, and has contributed to the climate-responsive policies across Hong Kong and China. His “One University One Village” project also won the Gold Award in the Humanitarian category and the distinguished title of Emerging Practice of the Year Grand Prix Winner at the World Architecture News (WAN) Awards 2024 for its innovative rural reconstruction model, which integrates sustainable design, cultural preservation, and community empowerment.

Nurturing Global Talent

The Faculty’s commitment to excellence is also reflected in the experiences of students like Yvan Ysmael Tobias YONAHA, a Filipino PhD candidate in Sociology and a Hong Kong PhD Fellowship Scheme (HKPFS) awardee. “CUHK’s comprehensive training in both quantitative and qualitative research has shaped me into a holistic practitioner and researcher,” shares Yvan. His experience highlights the Faculty’s success in creating an enabling learning environment that combines rigorous academic training with global perspective.

CUHK’s Faculty of Social Science continues to pursue excellence in scholarship, discovery and innovation to create far-reaching social impact. For more information about the postgraduate opportunities at CUHK’s Faculty of Social Science, visit https://www.gs.cuhk.edu.hk/admissions/programme/social-science.

Hashtag: #CUHK

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

About CUHK

Founded in 1963, CUHK combines tradition with innovation in teaching and research, maintaining strong global partnerships to address real-world challenges.

SINGAPORE – Media OutReach Newswire – 26 June 2025 – Singapore-based cloud provider CLDY has announced the launch of Always-On Two-Factor Authentication (2FA) across all WordPress sites it hosts, setting a new benchmark for default security in managed hosting environments. The feature comes pre-installed and fully configured—offering site owners strong, frictionless protection from the moment they go live.

The move comes amid a surge In CMS-targeted cyberattacks. WordPress now powers over 43% of websites worldwide (W3Techs), making it a top target for attackers. In 2024 alone, over 90,000 attacks per minute were recorded against WordPress sites (Wordfence), with brute-force login attempts among the most common methods of compromise.

“Many web hosting owners still skip basic security because setting it up can be confusing or technical,” said Dan Chen, Managing Director at CLDY. “We’ve taken that barrier away—our Always-On 2FA is pre-installed and enforced out of the box, so site admins don’t need to lift a finger.”

Unlike self-installed plugins that rely on the user to configure settings correctly, CLDY’s solution is centrally managed and standardized across its hosting platform. This ensures consistent protection and removes the risk of misconfiguration—especially important for small businesses or first-time site owners.

Security by Default, Not Upsell

CLDY’s 2FA implementation adds to its already robust security stack, which includes:

• Free SSL certificates
• Web Application Firewall (WAF)
• Email hosting with automated anti-spam filtering
• Malware scanning and automatic cleanup
• Free daily backups
• Optimized inbox delivery to Gmail, Microsoft 365, and others

These features are bundled with all hosting plans at no additional cost, reinforcing CLDY’s one-price, all-inclusive approach.

Performance Remains a Priority

Security upgrades have not compromised CLDY’s core performance guarantees:

• 1-second Time-To-First-Byte for 99.9% of hosted sites
• 99.9% uptime, backed by a 200% service-level credit guarantee
• Built-in WordPress acceleration tools
• Single Sign-On (SSO) across all CLDY services
• Collaborator access for developers, agencies, or external teams

With automated attacks becoming faster and more sophisticated, CLDY’s hands-off security model could shift customer expectations in the managed WordPress space.

“Security should never be optional or left to chance,” said Dan Chen. “We’re raising the baseline of protection so that even non-technical users get enterprise-grade defence by default.”

Hashtag: #business #technology #itsecurity #webhosting #emailhosting

https://www.cldy.com/sg
https://www.linkedin.com/company/cldy/
https://www.facebook.com/CLDYhosting/
https://www.instagram.com/cldyhosting/

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

About CLDY

CLDY is a Singapore-based cloud hosting company focused on delivering high-speed, security-focused web and email hosting. Known for its performance-first infrastructure and customer-centric innovation, CLDY supports businesses across Southeast Asia and around the world.

S$50,000 worth of shopping reward points await at the most accessible hunt yet

SINGAPORE – Media OutReach Newswire – 26 June 2025 – From 20 June to 13 July 2025, Singapore Science Park 1 is the new hunting ground for #HuntTheMouse – LyndenWoods Edition (the “Edition”).

In this second iteration of #HuntTheMouse thematic pop-up hunt (the “hunt” or “game”), 64 game coins worth 50 million of STAR$^® (“Credits”), equivalent to S$50,000 in value, which can be used to pay or offset purchases at CapitaLand malls, will be hidden in Singapore Science Park 1. The hunting ground is conveniently located right outside Kent Ridge MRT Station on the Circle Line.

Game coins will be hidden in easy-to-access public areas, including Geneo’s community spaces such as The Canopy and The Seed, and around the LyndenWoods condominium showroom. The first player or team to find the game coin gets to redeem Credits of corresponding value. There are four LyndenWoods Coins and sixty Science Park Coins, worth S$5,000 and S$500 of Credits respectively.

It is recommended that players follow the hints released on Sqkii’s social media such as Instagram and Facebook, and the real-time map on the game website to locate these hidden game coins and exchange them for Credits.

One LyndenWoods Coin, in wood and slightly bigger than the size of a Singapore 20 cents coin, will be hidden every Saturday for four weeks from 21 June to 12 July 2025. Once it is hidden, five free hints will be released in rapid-fire mode every hour from 14:00hr (SGT) onwards. There will also be one free tip every weekday on Sqkii social media channels (Facebook and Instagram) to help players prepare for the LyndenWoods Coin drop on Saturdays.

Sixty Science Park Coins, identifiable by their silver colour, will be released progressively over the game period.

There are power-ups to help players get ahead in their hunt. To use these power-ups, players simply have to complete a mission to earn Crystals for the activation of these power-ups:

• Circle Shrink – Use this power-up to shrink Science Park Coin circles to narrow down selected coin location.
• Coin Sonar – This power-up allows players to scan the area around them to zoom in to a more precise location for a Science Park Coin. There are three scan ranges: 25m, 50m, or 100m, each requiring different numbers of Crystals. Each scan gives the player instant feedback on whether the silver coin is within their selected range.
• Metal Detector – Players can activate this power-up when inside any Science Park Coin circle to turn their phone into a metal detector in search of the coin. It scans the surrounding vicinity for one minute and provides visual feedback on the proximity to the coin as the player moves around.

“#HuntTheMouse brings people and places together,” shares Mr. Kenny Choy, CEO & co-founder of Sqkii, the gamification company behind #HuntTheMouse. “In this second thematic hunt, we hope to share and bring our fans, friends and family to the rejuvenated Singapore Science Park 1, which is now buzzing with excitement through its instagrammable designs, unique space planning and creative placemaking initiatives.”

Hashtag: #HuntTheMouse #Geneo #LyndenWoods

https://huntthemouse.sqkii.com
https://www.facebook.com/sqkii
https://www.instagram.com/sqkiimouse

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

About Sqkii

Sqkii is a gamification company in Singapore that helps brands achieve incremental revenue and other business objectives using games. Its award-winning viral games have driven outstanding return on investment for brands, including more than 300,000 incremental rides in Grab’s #GrabRewardsville, and over 200,000 cashless payments in DBS Bank’s #HuntYourZodiac. Most known for #HuntTheMouse, their signature cash hunt that gives away cash to players, Sqkii has recorded more than 1,000,000 players over their hunts. Plans are in the pipeline to progressively expand #HuntTheMouse beyond the shores of Singapore to cities across Asia-Pacific.

About Geneo

Comprising three properties with five buildings, Geneo is a life sciences and innovation cluster located in Singapore Science Park 1. The latest phase of CapitaLand’s multi-stage precinct rejuvenation of Singapore Science Park, Geneo elevates the park’s ecosystem with purpose-built infrastructure designed to support the growth of these industries. Complemented by amenities including a serviced residence, retail and F&B outlets, and community spaces, Geneo fosters a holistic environment for innovation to thrive.

About LyndenWoods

LyndenWoods is the first residential development within Singapore Science Park, offering thoughtfully designed homes just minutes from Kent Ridge MRT and in close proximity to key landmarks such as National University of Singapore, National University Hospital, one-north, and Kent Ridge Park. Conveniently located next to Geneo and an array of lifestyle amenities, LyndenWoods is part of the wider transformation of Singapore Science Park into a vibrant, integrated live-work-play district.

LOMBOK, INDONESIA – Media OutReach Newswire – 26 June 2025 – Mirah Investment & Development is proud to announce the soft launch of Kuara Resort, a boutique beachfront retreat on the southern coast of Lombok, Indonesia.

With just 16 thoughtfully designed villas, Kuara offers an intimate, slow-paced escape rooted in the natural beauty, cultural heritage, and warm hospitality of the Southern Lombok region. The launch marks a significant milestone in Mirah’s ongoing long-term strategic expansion.

As the third full-scale resort delivered within an 18-month span, Kuara represents yet another successful chapter in Mirah’s commitment to building a diverse, high-performing portfolio across Indonesia’s most promising destinations.

Following the success of Secana Beachtown in Berawa and Cocana Resort on Gili Trawangan — which recently earned a Tripadvisor Travelers’ Choice Award placing it within the top 10% of hotels worldwide — the addition of Kuara further cements the company’s position as a leader in luxury real estate and hospitality development.

“Kuara is a special project for us. It brings together our passion for meaningful hospitality and our ability to identify emerging destinations with exceptional potential,” said Scott Matson, Chief Operating Officer at Mirah Investment & Development. “The soft launch marks more than the opening of a resort — it represents a key moment in our company’s evolution and our growing footprint across Indonesia.”

Kuara’s one- to three-bedroom villas offer modern amenities and refined comfort while preserving an authentic sense of place. Designed by award-winning designer Alexia Dubus, the villas draw inspiration from traditional craftsmanship and local materials, creating spaces that feel both elevated and grounded. Select villas feature direct beachfront access, private swimming pools, or open-air fire pits.

Mirah Investment & Development’s expanding portfolio now includes luxury serviced residences, villa estates, hotels, resorts, restaurants, gym clubs, and beach clubs — each designed to meet the evolving expectations of modern travellers and investors alike. The soft launch of Kuara signals continued confidence in Indonesia’s tourism growth and in Mirah’s ability to deliver high-performing assets.

“It’s an exciting time for our team and partners as we continue scaling across the region,” added Scott Matson. “With upcoming projects in Uluwatu, Bingin [Amali Luxury Residence & SOMOSHOTELS] and our landmark partnership with FINNS Bali, one of Indonesia’s most iconic lifestyle brands [FINNS Bali Resort], we’re building not just resorts, but a future-facing ecosystem of world-class destinations.”

Kuara is the latest resort from Mirah Investment & Development, whose previous project—Cocana Resort in Gili Trawangan—earned a Tripadvisor Travellers’ Choice Award and placed in the top 10% of hotels worldwide. With such recognition setting the standard, expectations are high for Kuara, which brings Mirah’s signature blend of refined design, immersive experiences, and elevated hospitality to one of Lombok’s most pristine coastal locations.

The launch of Kuara underscores Mirah’s consistent commitment to innovation, excellence, and long-term value creation.

Hashtag: #Mirah #Kuara #KuaraResort #Mirahinvestment&development #RealEstate #Lombok #InvestmentProperty

https://mirahdevelopments.com/
https://www.linkedin.com/company/mirah-investment-and-development
https://www.facebook.com/mirahgroup/
https://www.instagram.com/mirahgroup

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

Mirah Investment & Development

As Bali’s leading property developer , Mirah Investment & Development are well established as the market leader with years of experience in bringing luxury developments to the most sought-after locations across the Indonesian archipelago. An extensive in-house team of locals and expatriates offer end-to-end services from architecture and design to professional property management as well as legal, taxation and immigration support.

Saguenay, Quebec – Newsfile Corp. – June 25, 2025 – First Phosphate Corp. (CSE: PHOS) (OTCQB: FRSPF) (FSE: KD0) (“First Phosphate” or the “Company”) is pleased to announce that a 5,000-kilogram bulk sample has been drilled and collected at its Bégin-Lamarche phosphate project, located in the Saguenay-Lac-Saint-Jean region of Quebec, Canada.

The purpose of the bulk sample is to conduct advanced metallurgical testing to refine the process for recovery of apatite (phosphate), magnetite (iron), and ilmenite (titanium).

This work follows the successful preliminary metallurgical testing conducted in June 2023, which confirmed the positive recovery of the targeted minerals. These tests demonstrated the technical feasibility of processing the ore at small scale and have provided the foundation to proceed to this next semi-industrial stage. Details on the earlier small-scale pilot plant are available at: https://firstphosphate.com/pilotplant.

The Company now intends to scale its pilot process to validate flowsheet performance in a semi-industrial setting, to optimize process parameters, and to generate technical data to support future economic and feasibility studies.

2,000 kilograms of the current sample were sourced from the Company’s Begin-Lamarche project’s Northern Zone, 2,000 kilograms from its Mountain Zone and 1,000 kilograms from its Southern Zone. The Preliminary Economic Assessment (“PEA”) for the Bégin-Lamarche property indicates that phosphate mining operations will begin in the higher-grade Northern and Mountain Zones for the first 10 years of production.

“The success of the 2023 pilot tests confirmed the potential of our project to efficiently produce critical minerals essential to the energy transition. Advancing to semi-industrial scale is a key step toward developing a robust industrial process,” said John Passalacqua, CEO of First Phosphate.

The metallurgical testing is being conducted under the supervision of SGS Canada Inc., at their facility in Québec City, Canada in compliance with National Instrument 43-101 Standards of Disclosure for Mineral Projects. An updated technical report will be issued following the completion of the pilot plant trials.

Surface Stripping and Channel Sampling

First Phosphate also carried out two surface stripping on the Northern and Southern Zones. The objective was to gain a better understanding of the geology and location of the mineralized zones, as well as to validate the interpretations from prior drill campaigns. Mapping and channel sampling was completed on the exposed surfaces. Stripping in the Northern Zone revealed oxide-apatite-bearing ultramafic rock containing an average of 20% apatite (phosphate mineral), and up to 45% apatite locally. Stripping in the Southern Zone revealed a troctolite assemblage containing 10-15% apatite and oxide-apatite-bearing ultramafic rock containing 25% apatite. Surface observations have confirmed the geological model interpreted from the earlier drilling campaigns.

Cannot view this video? Visit:
https://www.youtube.com/watch?v=KEiAuixTc6w

First Phosphate will be carrying out a series of site visits this year to the Bégin-Lamarche project site for interested investors and partners. Parties interested in participating, please reach out to us via our website.

Qualified Person

The scientific and technical disclosure for First Phosphate included in this news release has been reviewed and approved by Gilles Laverdière, P.Geo. Mr. Laverdière is Chief Geologist of First Phosphate and a Qualified Person under National Instrument 43-101 – Standards of Disclosure of Mineral Projects (“NI 43-101”).

Investor Outreach Engagement

The Company has engaged Connect 4 Marketing Ltd. (“Connect4”) to provide digital marketing and communications services to the Company. The services will include continuing social media consultation regarding engagement and enhancement, social sentiment reporting, social engagement reporting and corporate video dissemination. The term of the agreement with Connect4 is for a period of 6 month period beginning July 1, 2025. Connect4 is based in Brossard, Quebec, Canada and can be reached at (514) 970-1316. The cash compensation for the engagement is $12,330.00.

About First Phosphate Corp.

First Phosphate (CSE: PHOS) (OTCQB: FRSPF) (FSE: KD0) is a mineral development company dedicated to producing high-purity phosphate for the LFP battery industry. The Company’s vertically integrated approach connects sustainable phosphate mining in Quebec with North American battery supply chains, targeting the energy storage, data center, robotics, mobility, and defense sectors. First Phosphate’s flagship Bégin-Lamarche Property in Saguenay-Lac-Saint-Jean is one of North America’s rare igneous phosphate resources, yielding high-purity phosphate with minimal impurities.

For additional information, please contact:
Bennett Kurtz
Chief Financial Officer
bennett@firstphosphate.com
Tel: +1 (416) 200-0657

Investor Relations: investor@firstphosphate.com
Media Relations: media@firstphosphate.com
Website: www.FirstPhosphate.com

Follow First Phosphate:
X: https://x.com/FirstPhosphate
LinkedIn: https://www.linkedin.com/company/first-phosphate

-30-

Forward-Looking Information and Cautionary Statements
This news release contains certain statements and information that may be considered “forward-looking statements” and “forward looking information” within the meaning of applicable securities laws. In some cases, but not necessarily in all cases, forward-looking statements and forward-looking information can be identified by the use of forward-looking terminology such as “plans”, “targets”, “expects” or “does not expect”, “is expected”, “an opportunity exists”, “is positioned”, “estimates”, “intends”, “assumes”, “anticipates” or “does not anticipate” or “believes”, or variations of such words and phrases or statements that certain actions, events or results “may”, “could”, “would”, “might”, “will” or “will be taken”, “occur” or “be achieved” and other similar expressions. In addition, statements in this news release that are not historical facts are forward looking statements, including, among other things: the Company’s planned exploration and production activities; the properties and composition of any extracted phosphate; the Company’s plans for vertical integration into North American battery supply chains; the Company’s ability to refine the process for recovery of apatite (phosphate), magnetite (iron), and ilmenite (titanium); the Company’s intentions to scale its pilot process and to validate flowsheet performance in a semi-industrial setting, to optimize process parameters, and to generate technical data to support future economic and feasibility studies; and the Company’s proposed development of a robust industrial process.

These statements and other forward-looking information are based on assumptions and estimates that the Company believes are appropriate and reasonable in the circumstances, which may prove to be incorrect, include, but are not limited to, the various assumptions set forth herein and in the Company’s public disclosure record including the short form base prospectus dated June 5, 2024, as well as: there being no significant disruptions affecting the activities of the Company or inability to access required project inputs; permitting and development of the projects being consistent with the Company’s expectations; the accuracy of the current mineral resource estimates for the Company and results of metallurgical testing; certain price assumptions for P2O5 and Fe2O3; inflation and prices for Company project inputs being approximately consistent with anticipated levels; the Company’s relationship with First Nations and other Indigenous parties remaining consistent with the Company’s expectations; the Company’s relationship with other third party partners and suppliers remaining consistent with the Company’s expectations; and government relations and actions being consistent with Company expectations.

There can be no assurance that such statements will prove to be accurate, and actual results and future events could differ materially from those anticipated in such statements. There can be no assurance that any opportunity will be successful, commercially viable, completed on time or on budget, or will generate any meaningful revenues, savings or earnings, as the case may be, for the Company. In addition, the Company will incur costs in pursuing any particular opportunity, which may be significant. These factors and assumptions are not intended to represent a complete list of the factors and assumptions that could affect the Company and, though they should be considered carefully, should be considered in conjunction with the risk factors described in the Company’s other documents filed with the Canadian and United States securities authorities, including without limitation the “Risk Factors” section of the Company’s Management Discussion and Analysis dated January 29, 2025 and Annual Report on 20-F dated July 8, 2024, which are available on SEDAR at www.sedarplus.ca. Although the Company has attempted to identify factors that would cause actual actions, events or results to differ materially from those disclosed in the forward-looking information or information, there may be other factors that cause actions, events or results not to be as anticipated, estimated or intended. The Company does not undertake to update any forward-looking information, except in accordance with applicable securities laws.

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

About First Phosphate Corp.