1. Patriot Solutions LLC
Client Introduction Deck
"
LITIGATION SUPPORT l REGULATORY COMPLIANCE l RISK MANAGEMENT l STRATEGY
www.patriotsolutionswtc.comCONFIDENTIAL & PRIVATE Copyright Patriot Solutions LLC, 2016
2. 2
CONFIDENTIAL & PRIVATE"
PATRIOT SOLUTIONS
Client Discussion Deck
§ Introduction to Patriot Solutions slide 3
§ The Current State of Capital Markets slide 4
§ Driving Change & enabling Innovation slide 6
§ Evolution of the NYSE and the Equification of Capital Markets slide 7
§ Riding the Wave of Disruption & Innovation slide 8
§ Our Value Proposition slide 9
§ Disruption, Innovation and being an “Early Adapter” slide 10
§ Customizing and designing Strategies for our Capital Markets Clients slide 11
§ Providing the following Consulting Services to our Capital Markets Clients slide 12
§ About Us slide 13
§ Resources slide 15
§ Contact Information slide 16
3. 3
Patriot Solutions LLC is a Capital Markets Advisory & Strategy Consulting boutique that operates a federated model
working with Independent Contractors / Sub-Contractors who bring decades of experience in Financial Services across
global Capital Markets around the world.
"
At Patriot Solutions LLC, we leverage our industry experience and broad market knowledge to serve our clients who
require confidence in execution as well as meticulous delivery.
Our Capital Markets Consultants at Patriot Solutions LLC are comprised of Senior Business Analysts l Senior Project
Managers l Capital Markets Subject Matter Experts with deep Investment Banking experience. Our Contractor / Sub-
Contractor Consultants have on average anywhere from 20-35 years of experience in Global Financial Services.
"
CONFIDENTIAL & PRIVATE"
LITIGATION SUPPORT l REGULATORY COMPLIANCE l RISK MANAGEMENT l STRATEGY"
4. 4
CONFIDENTIAL & PRIVATE"
PATRIOT SOLUTIONS
Understanding the current state of our Capital Markets
Revenue under pressure in a low interest rate environment
§ Vanishing Bid/Offer spreads/margins, clients increasing sophistication
§ Prolonged near zero interest rates; widespread deleveraging
§ Extended long-term structural weakness associated with Europe’s Sovereign Debt problems
§ Lower Rates of Return for Investors
§ Ultra-competitive Markets coupled with transparency have resulted in significant reductions of transaction profit margins
Regulatory
Sweeping regulatory changes
§ Increased regulations across all markets (Dodd-Frank – Basel III)
§ Move to regulated markets, central clearing of OTC products
§ Increased emphasis on pre-trade controls (SEC 15c3-5 – end of DMA)
§ Enhanced focus on collateral and risk management.
§ Focus on Dodd Frank, LEI, FATCA and BASEL III
§ Adopt vendor solutions in regulatory compliance arena to reduce time to market.
Lower Revenue has compelled Banks to become more Efficient
§ Competition from exchanges (Trading systems, larger product offering)
§ Increased product sophistication & analytics
§ New offerings in derivatives clearing, collateral management and other value added services.
§ Renewed interest in middle office outsourcing.
§ Increased focus on renegotiating fee arrangements to reflect true cost of service delivery
Efficiency
Business
5. 5
CONFIDENTIAL & PRIVATE"
PATRIOT SOLUTIONS
Understanding the current state of our Capital Markets
Business Models are
embracing simplification,
consolidation and
innovation to enable the
greatest opportunities to
improve top line revenue
growth while reducing
expenses and the bottom
line
§ Transparent, liquid and efficient markets have resulted
in thinner transaction margins.
§ Reduced transaction margins have created renewed
demands for additional automation to achieve
increased transaction volumes while reducing costs
§ Difficulty growing the top line has placed renewed
focus on consolidation
While achieving Regulatory Compliance remains the top priority of Bulge
Bracket Investment Banks, Cost Reduction is emerging as a close second
priority.
6. 6
CONFIDENTIAL & PRIVATE"
PATRIOT SOLUTIONS
Driving Change and enabling Innovation
Confirma.ons
Collateral
and
margin
Asset
servicing
Se:lement
Tax
management
Fees
and
Invoicing
KYC
Data
services
IT
HR
Reconcilia.ons
Clearing
Regulatory
repor.ng
Financial
accoun.ng
Legal
and
compliance
Transac.on
Management
Cash
Management
and
liquidity
Posi.on
Management
(3)
Non-‐differen.ated
services
(2)
Core
back-‐office-‐office
services
Sales
and
trading
Risk
management
Fixed
Income
Foreign
Exchange
Product
Management
Rates
Commodi.es
Client
Services
Equi.es
Securi.es
Control
and
Surveillance
Product
Control
Reference
data
(3)
Non-‐differen:ated
services
(1)
Core
front-‐office
services
There is a relentless pressure to rethink front office Trading / Sales / Risk Management to
achieve greater Regulatory Compliance and efficiency.
7. 7
CONFIDENTIAL & PRIVATE"
PATRIOT SOLUTIONS
Evolution of NYSE and the “Equification” of Capital Markets
(1
/
1)
EVOLUTION
OF
CAPITAL
MARKETS
EVOLUTION OF NYSE / “EQUIFICATION” OF CAPITAL MARKETS
1903
1903 | NYSE MOVES INTO NEW BUILDING AT 18 BROAD STREET
More than a century after 24 brokers and merchants signed the Buttonwood Agreement, which led to creation of the NYSE, the
exchange moved into 18 Broad Street. The main façade of the building features six imposing, Corinthian columns and a pediment
titled “Integrity Protecting the Works of Man.” At the center, Integrity wears the winged cap of Mercury, the Roman god of
commerce, and is flanked by figures representing mining, agriculture and industry.
1918
1918 | PNEUMATIC TUBES SPEED TRADES
New pneumatic tubes allowed floor brokers to send order slips to clerks quickly. The system contained six miles of tubes and
almost 250 miles of wiring. Capsules carrying buy and sell orders and other information traveled through tubes connecting broker
booths and trading posts. Old tubes recently were found during construction. Capsules inside the tubes contained stock-market
orders.
1981
1981 | TECHNOLOGICAL TRANSFORMATION WRAPS THE TRADING FLOOR IN METAL FRAME
A nearly two-year renovation of the trading floor fully brought the NYSE into the 20th century. A key change was the addition of
a huge metal frame, which was needed to hold up the weight of the floor and support all the new wiring and technology that came
with the upgrade.
1981
1995 | ANOTHER TECHNOLOGY UPGRADE: HANDHELD TERMINALS
The NYSE launched an ambitious campaign in 1995 to modernize its trading floors. Large-scale installations of flat-screen
panels, handheld terminals and fiber optics transformed the NYSE into a technology-powered commerce hub with the fastest
operations available.
2006
2006 | FAREWELL TO THE OLD SCHOOL: SEATS TO SHARES
After converting members’ “seats” into shares the year before, the NYSE began trading as a public company in 2006. John
Thain, the company’s chief executive at the time, says his biggest challenge was changing the culture and convincing seat-holders
to let him turn the NYSE into a listed corporation. Before long, the Stock Exchange Luncheon Club, started in 1898, and
basement barbershop where a man nicknamed “Jerry the Barber” worked for 43 years were both gone.
2013
2013 | AN OUTSIDER BUYS THE BIG BOARD
On Nov. 13, 2013, electronic commodities- and derivatives-exchange operator Intercontinental Exchange completed its $8.2
billion acquisition of NYSE Euronext. Jeffrey Sprecher, ICE’s chairman and CEO, called the deal “a game-changing transaction.”
Thousands
of
shares
a
day
to
billions
leveraging
technology
1981
NYSE
employed
15,000
2013
ICE NYSE
employs less
than 300
8. 8
PATRIOT SOLUTIONS
Riding the Wave of Disruption & Innovation
airbnb
skype
WeChat
Alibaba.com
facebook
SocietyOne
NETFLIX
Apple
Google
UBER
World’s largest taxi
company owns NO Taxis
Largest
accommodation
provider owns NO
Real Estate
Largest phone companies owns NO
Telecommunications infrastructure
Largest phone
companies
owns NO
Telecommunic
ations
infrastructure
World’s most
viable retailer has
NO Inventory
World’s most
popular media
owner creates NO
content
Largest
software
vendors
don’t write
the
applications
Largest software
vendors don’t write
the applications
World’s largest
movie house owns
NO Cinemas
Fastest growing banks
have NO actual money
Whereas disruption turns an industry on its head by offering customers something that
previously didn’t exist, innovation merely makes an existing value offering better,
cheaper or faster
9. 9
CONFIDENTIAL & PRIVATE"
PATRIOT SOLUTIONS
Our Value Proposition
OUR VALUE PROPOSITION
!"CONFIDENTIAL & PRIVATE!
PATRIOT SOLUTIONS
Customizing and designing Strategies for our Capital Markets Clients
!
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EVOLUTION OF NYSE / “EQUIFICATION” OF CAPITAL MARKETS
$789"
1903 | NYSE MOVES INTO NEW BUILDING AT 18 BROAD STREET
More than a century after 24 brokers and merchants signed the Buttonwood Agreement, which led to creation of the NYSE, the
exchange moved into 18 Broad Street. The main façade of the building features six imposing, Corinthian columns and a pediment
titled “Integrity Protecting the Works of Man.” At the center, Integrity wears the winged cap of Mercury, the Roman god of
commerce, and is flanked by figures representing mining, agriculture and industry.
$7$:"
1918 | PNEUMATIC TUBES SPEED TRADES
New pneumatic tubes allowed floor brokers to send order slips to clerks quickly. The system contained six miles of tubes and
almost 250 miles of wiring. Capsules carrying buy and sell orders and other information traveled through tubes connecting broker
booths and trading posts. Old tubes recently were found during construction. Capsules inside the tubes contained stock-market
orders.
$7:$"
1981 | TECHNOLOGICAL TRANSFORMATION WRAPS THE TRADING FLOOR IN METAL FRAME
A nearly two-year renovation of the trading floor fully brought the NYSE into the 20th century. A key change was the addition of
a huge metal frame, which was needed to hold up the weight of the floor and support all the new wiring and technology that came
with the upgrade.
$7:$"
1995 | ANOTHER TECHNOLOGY UPGRADE: HANDHELD TERMINALS
The NYSE launched an ambitious campaign in 1995 to modernize its trading floors. Large-scale installations of flat-screen
panels, handheld terminals and fiber optics transformed the NYSE into a technology-powered commerce hub with the fastest
operations available.
;88!"
2006 | FAREWELL TO THE OLD SCHOOL: SEATS TO SHARES
After converting members’ “seats” into shares the year before, the NYSE began trading as a public company in 2006. John
Thain, the company’s chief executive at the time, says his biggest challenge was changing the culture and convincing seat-holders
to let him turn the NYSE into a listed corporation. Before long, the Stock Exchange Luncheon Club, started in 1898, and
basement barbershop where a man nicknamed “Jerry the Barber” worked for 43 years were both gone.
;8$9"
2013 | AN OUTSIDER BUYS THE BIG BOARD
On Nov. 13, 2013, electronic commodities- and derivatives-exchange operator Intercontinental Exchange completed its $8.2
billion acquisition of NYSE Euronext. Jeffrey Sprecher, ICE’s chairman and CEO, called the deal “a game-changing transaction.”
,<=>?@AB?"=C"?<@DE?"@"B@F"G="HIJJI=A?"JEKED@LIAL"GEM<A=J=LF"
1981
NYSE
employed
15,000
2013
ICE NYSE
employs less
than 300
With Dodd-Frank Legislation placing once off-balance sheet products such as SWAPs on balance sheet, the
legislation served as a catalyst driving efforts to simplify and consolidate business models. Furthermore with the
passage of Dodd-Frank in 2010, essentially the same process observed at the NYSE of leveraging technology to
reduce transaction execution costs while increasing transaction volumes referred to as “Equification” expanded
across Global Capital Markets.
“The Big Four”
Deloi>e.
pwc
K
P
M
G
The “Big Four” are the largest international professional
services networks, offering audit, assurance, tax, consulting,
advisory, corporate finance, and legal service. The Big Four
handle the vast majority of audits for publicly traded
companies as well as many private companies, creating an
oligopoly in auditing large companies. It has been reported
that the “Big Four” audit 99% of the companies in the FTSE
100, and 96% of the companies in the FTSE 250 Index, an
index of the leading mid-cap listing companies
“Strategy”
McKinsey
&
Company
BCG
The
Boston
Consul.ng
Group
BAIN
&
COMPANY
The “Big Three” refers to the
name colloquially given to the
world’s three largest strategy
consulting firms by revenue.
These three firms have stood
out from other competitors, and
have consolidated as the top-tier
of management consulting
business
EY
TOP TIER CONSULTANCIES
Transaction execution costs declined at the NYSE as they employed more technology to increase transaction
execution volume.
Today – Patriot Solutions believes the same process is under way across Global Capital Markets in the Fixed
Income, Commodities, Fx and OTC Derivatives Markets.
The Rate Structure of Top-tier Consultancies are considered among the most expensive and yet vulnerable to rate / margin compression as Wall Street / Global Financial
Services continue to dis-intermediate in response to transaction margin erosion / compression. Possible potential Conflicts of Interests with established “Buy Side” clients;
maybe poorly positioned to adapt to innovation and efficiency. Market experienced staff to clients to secure engagements but often rotate with younger less experienced
staff to improve profitability that often dilutes project delivery, execution and quality.
REGULATORY COMPLIANCE l RISK MANAGEMENT l STRATEGY!
At Patriot Solutions, we have adapted our operating model / consulting model to the rapidly changing marketplace to provide
our Capital Markets Clients with Industry expertise at a compelling price point to deliver value We seek to improve our global
financial service’s client business by executing and delivering successful client engagements that leverage our specific core
expertise areas of Risk Management, Regulatory, Compliance, and Litigation support.
Our niche boutique Consulting firm is supported by Industry expertise that aligns with our clients professional consulting needs
to ensure successful project implementation, execution and delivery. As a niche Consulting boutique, we are often able to deliver
appropriate Capital Markets resources with commensurate expertise at more competitive prices.
10. 10
PATRIOT SOLUTIONS
Disruption, Innovation and being an “Early Adapter”
Disruptors enter the marketplace all of the time. Some are louder than others, but they all wind up making an
impact. Thanks to the pervasiveness of the Internet economy and the proliferation of new technologies, we’re
currently experiencing even more disruption than normal.
In a new-market disruption, the un-served customers are un-served precisely because serving them would be
unprofitable given the incumbent’s business model. In a low-end disruption, the customers typically lost are
unprofitable for the incumbents, so the big companies are happy to lose them.
Either way, Patriot Solutions believes that Disruption ends up benefiting both our Capital Markets Clients while
successfully growing our business Operating / Consulting model. Patriot Solutions LLC is an early adapter in
Financial Services Consulting and remains excited about professionally assisting our clients transform and deliver
the Next Generation of Capital Markets
!"#
PATRIOT SOLUTIONS
Riding the Wave of Disruption & Innovation
!
!
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World’s largest taxi
company owns NO Taxis
Largest
accommodation
provider owns NO
Real Estate
Largest phone companies owns NO
Telecommunications infrastructure
Largest phone
companies
owns NO
Telecommunic
ations
infrastructure
World’s most
viable retailer has
NO Inventory
World’s most
popular media
owner creates NO
content
Largest
software
vendors
don’t write
the
applications
Largest software
vendors don’t write
the applications
World’s largest
movie house owns
NO Cinemas
Fastest growing banks
have NO actual money
Whereas disruption turns an industry on its head by offering customers something that
previously didn’t exist, innovation merely makes an existing value offering better,
cheaper!or faster
REGULATORY COMPLIANCE l RISK MANAGEMENT l STRATEGY
11. 11
CONFIDENTIAL & PRIVATE"
PATRIOT SOLUTIONS
Customizing and designing Strategies for our Capital Markets Clients
STRATEGY
Patriot Solutions’ strategic leadership and decision-making begins with an assessment of the environment within which it occurs. A strategy can be
compared to a plan, except it is broader in scale, long-term in nature, and surrounded by more uncertainties. As a result, Strategic Change is often multi-
faceted in its implementation. Our Strategic Change consultants work in a collaborative manner with our clients, developing integrated market and business
strategies to create rapid and sustainable value. We leverage our considerable financial services industry experience with proven consulting skills to
understand and solve our client’s complex problems.
Our Strategic Change framework consists of:
§ Our REGULATORY COMPLIANCE STRATEGY assists organizations that continue to face relentless pressure to achieve strategic objectives that drive improved
profitability despite escalating cost pressures from increased regulatory requirements. Patriot Solutions can assist our clients create value while improving effective
management of governance, regulatory, and compliance risks on a sustained basis. We offer the experience, knowledge and tools to help our clients meet the changing
regulatory landscape and prepare your enterprise for success.
§ Our OPERATIONS STRATEGY is the development of the business model to enable and direct the corporate strategy by developing competencies and potential
sources of advantage. This is accomplished by deploying the operating levers, human and capital resources, sourcing, vertical integration, facilities and capacity, and
operations philosophy and Information Technology. The business model focuses on integrated multi-process, multi-function operating issues and value creation.
§ Our IT STRATEGY is the development of IT strategies for clients that create value by supporting the corporate strategy. The IT strategy is focused on alignment with
the business and defines opportunities to transform the business for sustained competitive advantage. Value creation is obtained by identifying IT changes that are
operationally feasible considering time, resources within allocated budget.
§ Our ORGANIZATION STRATEGY is the development of organizations that successfully align culture, people and structures with strategy, products, processes and
Information Technology. This includes organization design, culture and people change, and performance management.
§ Our CHANGE STRATEGY designs and implements large scale operational and event-driven transformations which deliver dramatic business value while reducing
program / project execution risk.
Operations
Strategy
IT Strategy
Regulatory
Compliance
Strategy
Organizational
Strategy
Change
Strategy
12. 12
CONFIDENTIAL & PRIVATE"
PATRIOT SOLUTIONS
Providing the following Consulting Services to our Capital Markets Clients
Domain Knowledge
§ Enterprise Risk Management
§ Front Office Trading and Risk Management
§ Regulatory / Compliance – Matters Requiring Immediate
Attention (MRA’s) l Dodd-Frank l Basel ll & III
§ Cash Management / Liquidity Management
§ Finance / Product Control
§ Operations – Middle & Back Office; Audit & Key Controls
Financial Services l Capital Markets Consulting
§ Forensic Assessments
§ Third Party Vendor Software Applications Assessments
§ Legacy Platform Consolidation
§ Target Operating Model
§ Current State l Future State l Gap Analysis
§ Test Script preparation / execution
Technology
§ Implementations, Conversions, and Testing,
§ Systems Enhancements and Upgrades
§ Financial, Operational, and Product Controls
Litigation Support
§ Pre -Trial Preparation
§ Pre -Trial Discovery
§ Subject Matter Expert Reports
§ Expert Report Rebuttals
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RESOURCES
• SME’s
• Litigation Support
• SME / Expert Reports
• Regulatory
Compliance / MRIA
• Business Analysts
• Program / Project
Managers
• Testers/ QA
CAPITAL MARKETS
CLIENTS:
• Investment Banking
• Broker Dealers
• Custodians
• Prime Brokers
• Asset Managers
• Transfer Agents
• Exchanges
• Unit Trusts
13. 13
CONFIDENTIAL & PRIVATE"
Michael P. Mulhall is the founder of Patriot
Solutions LLC and an expert in Finance, Trading and
Risk Management with over 30 years of experience
financing, valuing, trading and managing risk for
complex Fixed Income products including
Derivatives and Mortgage-Backed Securities.
Michael is recognized as a leading Subject Matter
Expert for Capital Markets / Fixed Income having
led several vendor selection engagements for
Transaction / Risk Management software vendor
applications for several prominent financial services
firms and a GSE.
In addition to his fourteen years of front office trading and risk management experience, Michael has extensive knowledge and expertise in
Operational Risk regarding robust control to ensure accurate data and transparent processes necessary to support Institutional Trading and
Risk Management for three global Investment Banks. (DLJ, Shearson-Lehman Brothers Inc, and Nomura Securities International Inc.)
Michael Mulhall has a BS in Business Administration: Major in Finance, from the Villanova School of Business (1986)
From 1992 through 1999, Michael was Senior Vice President and Institutional Mortgage-Backed Securities Derivatives Trader for
Nomura Securities International Inc. financing, valuing, trading, complex model driven securities trading and risk management including
daily financing of $1.5 billion to $3 billion in Repurchase (REPO) and Reverse Repurchase Agreements. Responsible for independently
assessing, verifying and validating the Risk Model / “FATS” (Fixed Income Arbitrage Trading) polynomial tree; includes re-calibrating model
assumptions responsible for calculation of portfolio VaR, Risk Capital and other critical risk reporting information.
Michael P. Mulhall
Managing Partner
PATRIOT SOLUTIONS
Donaldson
LuJin
&
Jenre>e
Nomura
Securi:es
Interna:onal
Summer
1996
Investment Banking 1986-1999
In 2015, Michael was recognized as a Capital Markets Expert by the Attorneys for MF Global Trustee to assist two discreet lawsuits. Michael read, prepared and
synthesized broad swath of MF Global documentation and drafted questions for the attorneys in preparation for pre-trial depositions. Michael drafted Expert Reports
for
§ Risk Management,
§ Liquidity Management,
§ Cash / Treasury Management,
§ IT Infrastructure including Controls, as well as reviewing Policies and Procedures.
§ Rebutted opposing Expert Reports.
Litigation Support
About Us
14. 14
CONFIDENTIAL & PRIVATE"
Managing Principal of Capital Markets for CAPCO delivering several prominent Risk Management assessments for prominent global
financial services clients across Fixed Income, Equities, and Commodities. Domain Partner / WIPRO Technologies’ Capital Markets
Industry Advisory Services Group: Derivatives & Risk Management. Capital Markets SME / professional leveraging deep industry
experience to provide advisory services, strategy and solutions to global financial services clients at COO level executives on complex
issues in Trading, Risk Management, Compliance and Operations including the systems / applications that support them.
PATRIOT SOLUTIONS
About Us
Principal Consultant (Fixed Income SME) for PriceWaterhouseCoopers (PWC) Financial Risk Management (FRM) Practice as a Subject
Matter Expert in Capital Markets - Mortgage Derivatives. Decomposed and synthesized Investment Bank documentation such as P&L
Reports, Trade blotters, Risk Reports, Balance Sheet and Operational reporting for Fixed Income Hedge Fund’s law firm litigation
support in response to an Investment Bank that improperly liquidated portfolio in 1998. SME Analysis supported appropriate Industry
requirements across Finance, Risk (Market Risk, Credit Risk, Interest Rate Risk) Legal, Trading process necessary to support accurate
Security pricing before the authorization and execution of Margin Calls against the Client Hedge Fund.
Consulting
Client Engagements
3rd Party Vendor Applications
SEI
15. 15
PATRIOT SOLUTIONS
Aligning Client Stakeholders with Capital Markets Resources
We will coordinate with you to identify the appropriate Business & Technology Stakeholders & SMEs
Client Stakeholders Expectation
Executive Sponsor(s)
§ Setting Overall Program Objectives
§ Review key issues/challenges
§ Ensuring involvement from relevant client
stakeholders
§ Ensuring access to all relevant resources
Project Sponsor
§ Setting Overall Program Guidelines
§ Review Status Reports
§ Escalations Management
§ Ensuring involvement from relevant client
stakeholders
Product Manager (Business)
VP-Department Heads
§ Overall Expectations Setting
§ Stakeholder Identification
§ Settlements
§ Purchase and Sales
§ Ensuring Stakeholder Time Commitments
Product Manager (Technology)
§ Coordinate development/testing
requirements
§ Overall Expectations Setting
End Users (selected)
§ Interview and operational walkthroughs
§ Active participation in update meetings (if
required)
Patriot
Solutions Expectation
Senior Project
Manager
• Day-to-day-project lead and deliverables coordination
• Maintain project plan
• Coordinate reporting status
• Overall team coordination
• 1st level of escalation
Capital
Markets
Industry
Subject Matter
Experts
(SMEs)
§ Responsible for quality of deliverable
§ Subject Matter Expertise and guidance in respect to key
project support functions:
§ Front Office Trading / Transaction execution
§ Risk Management
§ Purchase and Sales
§ Settlements/Buy-ins
§ Corporate Actions
§ Securities Lending
§ Technology
Senior
Business
Analyst
(Business)
• Lead responsible for stream specific coordination of
deliverables
• Management of issue tracking and resolution
• Execution and hands on participant in analysis,
findings, recommendations, and deliverables
development
Senior
Business
Analyst
(Technology)
• Lead responsible for stream specific coordination of
deliverables
• Management of issue tracking and resolution
• Execution and hands on participation in development
and testing
16. 16
CONFIDENTIAL & PRIVATE"
PATRIOT SOLUTIONS
Contact Information
Thank
you
