At Academy Bank, we prioritize compliance with the Fair Credit Reporting Act (FCRA) and protecting our customers' personal information above all else. Our policies and procedures are constantly reviewed and updated to ensure full compliance with FCRA guidelines. To safeguard customer data, we have implemented advanced encryption technologies and multi-factor authentication protocols to secure online banking accounts. Our staff undergoes regular training on data privacy best practices, such as secure data handling methods, to minimize the risk of data breaches. Recent news about Asia's stock market rally has not affected our commitment to FCRA compliance or customer data protection. In fact, we view this market volatility as an opportunity to further strengthen our financial stability and continue offering competitive products and services to our customers. However, we remain vigilant against emerging threats like cybercrime and phishing scams that may exploit market uncertainties to lure unsuspecting individuals into giving out sensitive personal information. As such, we encourage our customers to remain cautious of any unsolicited emails or calls requesting their personal data and to report any suspicious activity immediately to our customer service team. In addition to FCRA compliance, Academy Bank is also committed to providing exceptional customer experiences that prioritize the protection of sensitive information. Our commitment to FCRA compliance is part of our broader strategy for delivering outstanding customer service while ensuring the highest level of data privacy and security. As a responsible financial institution, we believe that protecting our customers' personal information is not just a legal obligation but also a moral responsibility. We will continue to prioritize this value above all else as we navigate the ever-changing economic landscape and help our customers achieve their financial goals.