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Subject: =?utf-8?Q?=28IN=29SECURE=20Newsletter=20=2D=20January=2015=2C=202025?=

From: Help Net Security <mag@insecuremag.com>

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To: <lapor@turnbackhoax.id>

Date: Wed, 15 Jan 2025 13:09:18 +0000

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A smorgasbord of knowledge and news -

View this email in your browser (https://mailchi.mp/helpnetsecurity.net/in=

secure-newsletter-2761484?e=3Db0f1ce63ac)

** (IN)SECURE Newsletter January 15=2C 2025

------------------------------------------------------------

A smorgasbord of knowledge and news

What=E2=80=99s new?

CISA has issued (https://www.helpnetsecurity.com/2024/12/19/cisa-bod-25-01=

-directive-secure-microsoft-cloud-environments/) a binding operational dir=

ective (BOD 25-01) requiring federal civilian agencies to secure their (Mi=

crosoft) cloud environments.

The White House has announced (https://www.helpnetsecurity.com/2025/01/08/=

the-u-s-cyber-trust-mark-label-launch/) the launch of the U.S. Cyber Trust=

Mark=2C a voluntary cybersecurity labeling program for consumer-grade int=

ernet-connected devices.

A ransomware gang dubbed Codefinger is encrypting data stored in target or=

ganizations=E2=80=99 AWS S3 buckets (https://www.helpnetsecurity.com/2025/=

01/13/codefinger-encrypting-aws-s3-data-without-ransomware-sse-c/) with AW=

S=E2=80=99s server-side encryption option with customer-provided keys (SSE=

-C)=2C and asking for money to hand over the key they used.

$2.2 billion worth of cryptocurrency was stolen (https://www.helpnetsecuri=

ty.com/2024/12/19/cryptocurrency-hackers-stole-2-2-billion-from-platforms-=

in-2024/) from various platforms in 2024=2C Chainalysis=E2=80=99 2025 Cryp=

to Crime Report has revealed.

Some cybersecurity predictions for 2025:

As we look ahead to cybersecurity developments (https://www.helpnetsecurit=

y.com/2025/01/09/2025-cybersecurity-community/) in 2025=2C there=E2=80=99s=

bad news and good=E2=80=94expect to see new challenging attacks and the c=

ybersecurity community increasingly working together to counter threats th=

at are beyond the scope of individual organizations.

In 2025=2C seven trends (https://www.helpnetsecurity.com/2024/12/27/data-a=

i-2025-trends/) will shape the future of data and AI=2C offering advantage=

s for those who see these changes not as challenges but as opportunities t=

o innovate and excel.

In the Internet of Things (IoT) sector=2C 2025 is shaping up to be a polit=

ically charged year (https://www.helpnetsecurity.com/2024/12/24/iot-2025-s=

ecurity/) .

Webinar: Amplifying SIEM with AI-driven NDR for IT/OT Convergence (https:/=

/helpnet.link/928)

Join cybersecurity leader Erwin Eimers from Sumitomo Chemicals Americas on=

Thursday=2C January 23rd at 10 AM PT=2C to explore how AI-driven Network=

Detection and Response (NDR) enhances SIEM capabilities=2C bridging criti=

cal visibility gaps in converged IT/OT environments. Don=E2=80=99t miss th=

is chance to transform your security operations - Register now! (https://h=

elpnet.link/928)

Ideas to consider=2C practices to implement

* GitHub CISO on security strategy and collaborating with the open-source=

community (https://www.helpnetsecurity.com/2025/01/13/alexis-wales-github=

-ciso-security-strategy/)

* Time for a change: Elevating developers=E2=80=99 security skills (https:=

//www.helpnetsecurity.com/2025/01/13/developers-cybersecurity-skills/)

* eBay CISO on managing long-term cybersecurity planning and ROI (https://=

www.helpnetsecurity.com/2025/01/07/sean-embry-ebay-enterprise-cybersecurit=

y-planning/)

* Preventing the next ransomware attack with help from AI (https://www.hel=

pnetsecurity.com/2025/01/10/darren-williams-blackfog-ransomware-awareness-=

training/)

* GitLab CISO on proactive monitoring and metrics for DevSecOps success (h=

ttps://www.helpnetsecurity.com/2025/01/09/josh-lemos-gitlab-devsecops-succ=

ess/)

* Balancing proprietary and open-source tools in cyber threat research (ht=

tps://www.helpnetsecurity.com/2025/01/06/thomas-roccia-microsoft-threat-re=

search/)

* Making the most of cryptography=2C now and in the future (https://www.he=

lpnetsecurity.com/2025/01/07/cryptography-risks/)

* Overwhelmed by fraud? Here=E2=80=99s how financial pros fight back (http=

s://www.helpnetsecurity.com/2024/12/27/patrick-harding-ping-identity-finan=

cial-fraud-future/)

* Why an =E2=80=9Call gas=2C no brakes=E2=80=9D approach for AI use won=E2=

=80=99t work (https://www.helpnetsecurity.com/2025/01/08/ai-gas-brakes-min=

dsets/)

* How CISOs can make smarter risk decisions (https://www.helpnetsecurity.c=

om/2024/12/24/gavin-reid-human-security-ciso-cybersecurity-threats/)

* How companies can fight ransomware impersonations (https://www.helpnetse=

curity.com/2024/12/23/cybersecurity-measures-ransomware-impersonations-vid=

eo/) (Video)

Get our news via e-mail (https://www.helpnetsecurity.com/newsletter/)

Subscribe to get regular updates from Help Net Security. Choose between ou=

r daily and weekly newsletters=2C or you can also opt for specialized news=

letters:

* Breaking news =E2=80=93 sent for major events

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Open-source cybersecurity tools you should check out

* Chainsaw (https://www.helpnetsecurity.com/2025/01/13/chainsaw-open-sourc=

e-tool-hunting-through-windows-forensic-artefacts/) - A tool for hunting t=

hrough Windows forensic artefacts

* Sara (https://www.helpnetsecurity.com/2025/01/09/sara-open-source-router=

os-security-inspector/) - A RouterOS security inspector

* Cyberbro (https://www.helpnetsecurity.com/2025/01/07/cyberbro-open-sourc=

e-extract-iocs-check-reputation/) - A tool that extracts IoCs and checks t=

heir reputation

* Kata Containers (https://www.helpnetsecurity.com/2025/01/02/kata-contain=

ers-open-source-container-runtime-vms/) - A container runtime=2C building=

lightweight VMs

* reconFTW (https://www.helpnetsecurity.com/2024/12/30/reconftw-open-sourc=

e-reconnaissance-automation/) - A tool that simplifies and automates the r=

econnaissance process

* Evilginx (https://www.helpnetsecurity.com/2024/12/23/evilginx-open-sourc=

e-man-in-the-middle-attack-framework/) - A man-in-the-middle attack framew=

ork

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x;font-style: normal;font-weight: bold;line-height: 125%;letter-spacing: -=

1px;color: #B2B2B2 !important;"><span style=3D"font-size:22px"><span style=

=3D"color:#000000"><span style=3D"font-family:arial=2Chelvetica neue=2Chel=

vetica=2Csans-serif">(IN)SECURE Newsletter&nbsp;January 15=2C 2025</span><=

/span></span></h1>

</td>

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</td>

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</tbody>

</table><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"1=

00%" class=3D"mcnDividerBlock" style=3D"min-width: 100%;border-collapse: c=

ollapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust:=

100%;-webkit-text-size-adjust: 100%;table-layout: fixed !important;">

<tbody class=3D"mcnDividerBlockOuter">

<tr>

<td class=3D"mcnDividerBlockInner" style=3D"min-width: 100%;pa=

dding: 18px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webk=

it-text-size-adjust: 100%;">

<table class=3D"mcnDividerContent" border=3D"0" cellpaddin=

g=3D"0" cellspacing=3D"0" width=3D"100%" style=3D"min-width: 100%;border-t=

op: 2px solid #C6C6C6;border-collapse: collapse;mso-table-lspace: 0pt;mso-=

table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100=

%;">

<tbody><tr>

<td style=3D"mso-line-height-rule: exactly;-ms-tex=

t-size-adjust: 100%;-webkit-text-size-adjust: 100%;">

<span></span>

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00%" class=3D"mcnBoxedTextBlock" style=3D"min-width: 100%;border-collapse:=

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: 100%;-webkit-text-size-adjust: 100%;">

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=09<table align=3D"center" border=3D"0" cellspacing=3D"0" cellpadding=3D"0=

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=09<![endif]-->

=09<tbody class=3D"mcnBoxedTextBlockOuter">

<tr>

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so-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-=

adjust: 100%;">

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=09=09=09=09<td align=3D"center" valign=3D"top" ">

=09=09=09=09<![endif]-->

<table align=3D"left" border=3D"0" cellpadding=3D"0" cells=

pacing=3D"0" width=3D"100%" style=3D"min-width: 100%;border-collapse: coll=

apse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100=

%;-webkit-text-size-adjust: 100%;float: left;" class=3D"mcnBoxedTextConten=

tContainer">

<tbody><tr>

<td style=3D"padding-top: 9px;padding-left: 18px;p=

adding-bottom: 9px;padding-right: 18px;mso-line-height-rule: exactly;-ms-t=

ext-size-adjust: 100%;-webkit-text-size-adjust: 100%;">

<table border=3D"0" cellspacing=3D"0" class=3D=

"mcnTextContentContainer" width=3D"100%" style=3D"min-width: 100% !importa=

nt;background-color: #837F7F;border-collapse: collapse;mso-table-lspace: 0=

pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adju=

st: 100%;">

<tbody><tr>

<td valign=3D"top" class=3D"mcnTextCon=

tent" style=3D"padding: 18px;color: #F2F2F2;font-family: Helvetica;font-si=

ze: 24px;font-style: normal;font-weight: bold;text-align: center;mso-line-=

height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust:=

100%;word-break: break-word;line-height: 150%;">

<div style=3D"text-align: center;"=

><span style=3D"font-size:24px"><strong>A smorgasbord of knowledge and new=

s</strong></span></div>

</td>

</tr>

</tbody></table>

</td>

</tr>

</tbody></table>

=09=09=09=09<!--[if gte mso 9]>

=09=09=09=09</td>

=09=09=09=09<![endif]-->

=09=09=09=09<!--[if gte mso 9]>

</tr>

</table>

=09=09=09=09<![endif]-->

</td>

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</tbody>

</table><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"1=

00%" class=3D"mcnDividerBlock" style=3D"min-width: 100%;border-collapse: c=

ollapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust:=

100%;-webkit-text-size-adjust: 100%;table-layout: fixed !important;">

<tbody class=3D"mcnDividerBlockOuter">

<tr>

<td class=3D"mcnDividerBlockInner" style=3D"min-width: 100%;pa=

dding: 18px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webk=

it-text-size-adjust: 100%;">

<table class=3D"mcnDividerContent" border=3D"0" cellpaddin=

g=3D"0" cellspacing=3D"0" width=3D"100%" style=3D"min-width: 100%;border-t=

op: 2px solid #C6C6C6;border-collapse: collapse;mso-table-lspace: 0pt;mso-=

table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100=

%;">

<tbody><tr>

<td style=3D"mso-line-height-rule: exactly;-ms-tex=

t-size-adjust: 100%;-webkit-text-size-adjust: 100%;">

<span></span>

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<td class=3D"mcnDividerBlockInner" style=3D"padding: 18px;=

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00%" class=3D"mcnTextBlock" style=3D"min-width: 100%;border-collapse: coll=

apse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100=

%;-webkit-text-size-adjust: 100%;">

<tbody class=3D"mcnTextBlockOuter">

<tr>

<td valign=3D"top" class=3D"mcnTextBlockInner" style=3D"paddin=

g-top: 9px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webki=

t-text-size-adjust: 100%;">

=09<!--[if mso]>

=09=09=09=09<table align=3D"left" border=3D"0" cellspacing=3D"0" cellpaddi=

ng=3D"0" width=3D"100%" style=3D"width:100%;">

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=09=09=09

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=09=09=09=09<td valign=3D"top" width=3D"600" style=3D"width:600px;">

=09=09=09=09<![endif]-->

<table align=3D"left" border=3D"0" cellpadding=3D"0" cells=

pacing=3D"0" style=3D"max-width: 100%;min-width: 100%;border-collapse: col=

lapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 10=

0%;-webkit-text-size-adjust: 100%;float: left;" width=3D"100%" class=3D"mc=

nTextContentContainer">

<tbody><tr>

<td valign=3D"top" class=3D"mcnTextContent" style=

=3D"padding: 0px 18px 9px;line-height: 150%;mso-line-height-rule: exactly;=

-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;word-break: brea=

k-word;color: #606060;font-family: Helvetica;font-size: 15px;text-align: l=

eft;">

<div style=3D"text-align: justify;">

<div style=3D"text-align: center;"><span style=3D"font-size:14px"><strong>=

What=E2=80=99s new?</strong></span><br>

&nbsp;</div>

</div>

<span style=3D"font-size:14px">CISA has <a href=3D"https://helpnetsecurity=

=2Eus2.list-manage.com/track/click?u=3Df76e9593a7d90f4024574218d&id=3D1d8c3b=

294e&e=3Db0f1ce63ac" style=3D"mso-line-height-rule: exactly;-ms-text-size=

-adjust: 100%;-webkit-text-size-adjust: 100%;color: #2036a4;font-weight: n=

ormal;text-decoration: underline;">issued</a> a binding operational direct=

ive (BOD 25-01) requiring federal civilian agencies to secure their (Micro=

soft) cloud environments.<br>

<br>

The White House has <a href=3D"https://helpnetsecurity.us2.list-manage.com=

/track/click?u=3Df76e9593a7d90f4024574218d&id=3D937a79533e&e=3Db0f1ce63ac=

" style=3D"mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webki=

t-text-size-adjust: 100%;color: #2036a4;font-weight: normal;text-decoratio=

n: underline;">announced</a> the launch of the U.S. Cyber Trust Mark=2C a=

voluntary cybersecurity labeling program for consumer-grade internet-conn=

ected devices.<br>

<br>

A ransomware gang dubbed Codefinger is encrypting data stored in target or=

ganizations=E2=80=99 <a href=3D"https://helpnetsecurity.us2.list-manage.co=

m/track/click?u=3Df76e9593a7d90f4024574218d&id=3D83f04fa12b&e=3Db0f1ce63ac" style=3D"mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webk=

it-text-size-adjust: 100%;color: #2036a4;font-weight: normal;text-decorati=

on: underline;">AWS S3 buckets</a> with AWS=E2=80=99s server-side encrypti=

on option with customer-provided keys (SSE-C)=2C and asking for money to h=

and over the key they used.<br>

<br>

$2.2 billion worth of cryptocurrency was <a href=3D"https://helpnetsecurit=

y.us2.list-manage.com/track/click?u=3Df76e9593a7d90f4024574218d&id=3D1b1cb=

85532&e=3Db0f1ce63ac" style=3D"mso-line-height-rule: exactly;-ms-text-siz=

e-adjust: 100%;-webkit-text-size-adjust: 100%;color: #2036a4;font-weight:=

normal;text-decoration: underline;">stolen</a> from various platforms in=

2024=2C Chainalysis=E2=80=99 2025 Crypto Crime Report has revealed.<br>

<br>

<strong>Some cybersecurity predictions for 2025</strong>:<br>

<br>

As we look ahead to <a href=3D"https://helpnetsecurity.us2.list-manage.com=

/track/click?u=3Df76e9593a7d90f4024574218d&id=3D5409f10163&e=3Db0f1ce63ac=

" style=3D"mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webki=

t-text-size-adjust: 100%;color: #2036a4;font-weight: normal;text-decoratio=

n: underline;">cybersecurity developments</a> in 2025=2C there=E2=80=99s b=

ad news and good=E2=80=94expect to see new challenging attacks and the cyb=

ersecurity community increasingly working together to counter threats that=

are beyond the scope of individual organizations.<br>

<br>

In 2025=2C seven <a href=3D"https://helpnetsecurity.us2.list-manage.com/tr=

ack/click?u=3Df76e9593a7d90f4024574218d&id=3D7080bb8c3a&e=3Db0f1ce63ac" s=

tyle=3D"mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-t=

ext-size-adjust: 100%;color: #2036a4;font-weight: normal;text-decoration:=

underline;">trends</a> will shape the future of data and AI=2C offering a=

dvantages for those who see these changes not as challenges but as opportu=

nities to innovate and excel.<br>

<br>

In the Internet of Things (IoT) sector=2C 2025 is shaping up to be a <a hr=

ef=3D"https://helpnetsecurity.us2.list-manage.com/track/click?u=3Df76e9593=

a7d90f4024574218d&id=3Ddaacf5e5b1&e=3Db0f1ce63ac" style=3D"mso-line-heigh=

t-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;=

color: #2036a4;font-weight: normal;text-decoration: underline;">politicall=

y charged year</a>.</span>

</td>

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</td>

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</tbody>

</table><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"1=

00%" class=3D"mcnDividerBlock" style=3D"min-width: 100%;border-collapse: c=

ollapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust:=

100%;-webkit-text-size-adjust: 100%;table-layout: fixed !important;">

<tbody class=3D"mcnDividerBlockOuter">

<tr>

<td class=3D"mcnDividerBlockInner" style=3D"min-width: 100%;pa=

dding: 18px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webk=

it-text-size-adjust: 100%;">

<table class=3D"mcnDividerContent" border=3D"0" cellpaddin=

g=3D"0" cellspacing=3D"0" width=3D"100%" style=3D"min-width: 100%;border-t=

op: 2px solid #C6C6C6;border-collapse: collapse;mso-table-lspace: 0pt;mso-=

table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100=

%;">

<tbody><tr>

<td style=3D"mso-line-height-rule: exactly;-ms-tex=

t-size-adjust: 100%;-webkit-text-size-adjust: 100%;">

<span></span>

</td>

</tr>

</tbody></table>

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<td class=3D"mcnDividerBlockInner" style=3D"padding: 18px;=

">

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</table><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"1=

00%" class=3D"mcnTextBlock" style=3D"min-width: 100%;border-collapse: coll=

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%;-webkit-text-size-adjust: 100%;">

<tbody class=3D"mcnTextBlockOuter">

<tr>

<td valign=3D"top" class=3D"mcnTextBlockInner" style=3D"paddin=

g-top: 9px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webki=

t-text-size-adjust: 100%;">

=09<!--[if mso]>

=09=09=09=09<table align=3D"left" border=3D"0" cellspacing=3D"0" cellpaddi=

ng=3D"0" width=3D"100%" style=3D"width:100%;">

=09=09=09=09<tr>

=09=09=09=09<![endif]-->

=09=09=09

=09=09=09=09<!--[if mso]>

=09=09=09=09<td valign=3D"top" width=3D"600" style=3D"width:600px;">

=09=09=09=09<![endif]-->

<table align=3D"left" border=3D"0" cellpadding=3D"0" cells=

pacing=3D"0" style=3D"max-width: 100%;min-width: 100%;border-collapse: col=

lapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 10=

0%;-webkit-text-size-adjust: 100%;float: left;" width=3D"100%" class=3D"mc=

nTextContentContainer">

<tbody><tr>

<td valign=3D"top" class=3D"mcnTextContent" style=

=3D"padding-top: 0;padding-right: 18px;padding-bottom: 9px;padding-left: 1=

8px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-=

size-adjust: 100%;word-break: break-word;color: #606060;font-family: Helve=

tica;font-size: 15px;line-height: 150%;text-align: left;">

<span style=3D"font-size:14px"><a href=3D"http=

s://helpnetsecurity.us2.list-manage.com/track/click?u=3Df76e9593a7d90f4024=

574218d&id=3Dc96929bf31&e=3Db0f1ce63ac" target=3D"_blank" style=3D"mso-li=

ne-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjus=

t: 100%;color: #2036a4;font-weight: normal;text-decoration: underline;"><s=

trong>Webinar: Amplifying SIEM with AI-driven NDR for IT/OT Convergence</s=

trong></a><br>

Join cybersecurity leader Erwin Eimers from Sumitomo Chemicals Americas on=

Thursday=2C January 23rd at 10 AM PT=2C to explore how AI-driven Network=

Detection and Response (NDR) enhances SIEM capabilities=2C bridging criti=

cal visibility gaps in converged IT/OT environments. Don=E2=80=99t miss th=

is chance to transform your security operations - <a href=3D"https://helpn=

etsecurity.us2.list-manage.com/track/click?u=3Df76e9593a7d90f4024574218d&i=

d=3D9a0c8cc61a&e=3Db0f1ce63ac" target=3D"_blank" style=3D"mso-line-height=

-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;c=

olor: #2036a4;font-weight: normal;text-decoration: underline;">Register no=

w!</a></span>

</td>

</tr>

</tbody></table>

=09=09=09=09<!--[if mso]>

=09=09=09=09</td>

=09=09=09=09<![endif]-->

=09=09=09=09<!--[if mso]>

=09=09=09=09</tr>

=09=09=09=09</table>

=09=09=09=09<![endif]-->

</td>

</tr>

</tbody>

</table><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"1=

00%" class=3D"mcnDividerBlock" style=3D"min-width: 100%;border-collapse: c=

ollapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust:=

100%;-webkit-text-size-adjust: 100%;table-layout: fixed !important;">

<tbody class=3D"mcnDividerBlockOuter">

<tr>

<td class=3D"mcnDividerBlockInner" style=3D"min-width: 100%;pa=

dding: 18px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webk=

it-text-size-adjust: 100%;">

<table class=3D"mcnDividerContent" border=3D"0" cellpaddin=

g=3D"0" cellspacing=3D"0" width=3D"100%" style=3D"min-width: 100%;border-t=

op-width: 2px;border-top-style: solid;border-top-color: #C6C6C6;border-col=

lapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-=

adjust: 100%;-webkit-text-size-adjust: 100%;">

<tbody><tr>

<td style=3D"mso-line-height-rule: exactly;-ms-tex=

t-size-adjust: 100%;-webkit-text-size-adjust: 100%;">

<span></span>

</td>

</tr>

</tbody></table>

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<td class=3D"mcnDividerBlockInner" style=3D"padding: 18px;=

">

<hr class=3D"mcnDividerContent" style=3D"border-bottom-col=

or:none; border-left-color:none; border-right-color:none; border-bottom-wi=

dth:0; border-left-width:0; border-right-width:0; margin-top:0; margin-rig=

ht:0; margin-bottom:0; margin-left:0;" />

-->

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</tr>

</tbody>

</table><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"1=

00%" class=3D"mcnTextBlock" style=3D"min-width: 100%;border-collapse: coll=

apse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100=

%;-webkit-text-size-adjust: 100%;">

<tbody class=3D"mcnTextBlockOuter">

<tr>

<td valign=3D"top" class=3D"mcnTextBlockInner" style=3D"paddin=

g-top: 9px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webki=

t-text-size-adjust: 100%;">

=09<!--[if mso]>

=09=09=09=09<table align=3D"left" border=3D"0" cellspacing=3D"0" cellpaddi=

ng=3D"0" width=3D"100%" style=3D"width:100%;">

=09=09=09=09<tr>

=09=09=09=09<![endif]-->

=09=09=09

=09=09=09=09<!--[if mso]>

=09=09=09=09<td valign=3D"top" width=3D"600" style=3D"width:600px;">

=09=09=09=09<![endif]-->

<table align=3D"left" border=3D"0" cellpadding=3D"0" cells=

pacing=3D"0" style=3D"max-width: 100%;min-width: 100%;border-collapse: col=

lapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 10=

0%;-webkit-text-size-adjust: 100%;float: left;" width=3D"100%" class=3D"mc=

nTextContentContainer">

<tbody><tr>

<td valign=3D"top" class=3D"mcnTextContent" style=

=3D"padding: 0px 18px 9px;line-height: 150%;mso-line-height-rule: exactly;=

-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;word-break: brea=

k-word;color: #606060;font-family: Helvetica;font-size: 15px;text-align: l=

eft;">

<div style=3D"text-align: justify;">

<div style=3D"text-align: center;"><span style=3D"font-size:14px"><strong>=

Ideas to consider=2C practices to implement</strong></span></div>

<ul>

=09<li style=3D"text-align: left;mso-line-height-rule: exactly;-ms-text-si=

ze-adjust: 100%;-webkit-text-size-adjust: 100%;"><a href=3D"https://helpne=

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