Windows 95, OEM Service Release 2 includes FAT32 File System.
FAT32 is an enhancement of the File Allocation Table (FAT) file system. FAT32 supports large drives with improved disk space efficiency.
Most Win32-based applications do not need to be revised for FAT32. The only applications that will need revising are those that use low-level disk structures, or those that use API functions that are dependent upon the on-disk FAT format of data.