The Company, a financial services entity, discloses in its 10-K Item 1C that cybersecurity is a significant risk component. It details a defense-in-depth strategy, governance structures (Head of Information Security, Board Committee), and preventive measures (penetration tests, phishing simulations, 24/7 monitoring). The filing explicitly states that while cybersecurity incidents have occurred, none have been materially affecting or reasonably likely to materially affect the Company's business, strategy, or financial condition to date.