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Hello,

The "news" is not really news. Short sellers are manipulating the stock price and they do not
have to work hard in after market trading to do that. A few thousand shares of timed, motivated
selling accomplished the deed. They will probably be back in the morning to see how far they can
push it down. For those with dry powder, an opportunity to buy on the dip!

A leading digital bank with great fundamentals selling at 11 times earnings and less than 2 times
book value is a real bargain for someone who can look down the road for more than one year.

Best regards,

Mike
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