both SAP Business 1 and Oracle Netsuit for the more cloud savvy customers, we believe we will be well position to pick up businesses when the market sentiment improves. The recurring and non-recurring

expanded our customer base to reach out to tech-savvy millennials. One notable initiative was the opening of K-eSavings via K PLUS wherein customers may verify their identity at K CHECK ID now available at

Investor Strategies for Incorporating ESG Considerations into Corporate Interactions www.blackrock.com www.ceres.org Century21st Engagement Investor Strategies for Incorporating ESG Considerations into Corporate Interactions [ 5 ] FOREWORD The Value of Our Voice ......................................................................................................................................... 1 How ESG Megatrends Are Shaping Valuation ...........................................................