Good governance practices ensure we uphold the principles of fairness, transparency, accountability, and responsibility. It also bestows upon us the ability to develop and execute a long term, sustainable strategy that can deliver great value to all stakeholders, instead of simply optimizing around short-term objectives. Each and every member of the board of shareholders has invested their time, experience, and capabilities, in collaboration with Deloitte’s global consultancy, to elevate our practices to world class levels. I can assure you that our bank’s ‘governance maturity’ continues to evolve and improve, which in turn will translate to great value to all our stakeholder community, most notably to our beloved shareholders. There have been a tremendous number of best practices and recommendations that we have adopted over the past few years to elevate our governance standards, and we continue to learn more about evolving our governance frameworks.  In 2019, we also employed Deloitte to conduct a 3^rd party assurance review of the board’s oversight functions, including audit, compliance, and risk management.  The review took place over an entire year approximately, and concluded with detailed recommendations on further enhancing our oversight capabilities to global best practices. We are already implementing recommendations and anticipate completion of all Deloitte recommendations by end of 2020.