Category: Economy

MIL-Evening Report: We were part of the world heritage listing of Murujuga. Here’s why all Australians should be proud

Source: The Conversation (Au and NZ) – By Jo McDonald, Professor, Director of Centre for Rock Art Research + Management, The University of Western Australia

Senior Ranger, Mardudunhera man Peter Cooper, oversees the Murujuga landscape Jo McDonald, CC BY-SA

On Friday, the Murujuga Cultural Landscape in northwest Western Australia was inscribed on the UNESCO World Heritage List. We were in Paris to see Murujuga become Australia’s 21st world heritage property, but only our second property listed exclusively for its Indigenous cultural values.

Murujuga, meaning “hip bone sticking out”, is an ancient rocky landscape rising out of the Indian Ocean in northwest Australia.

Murujuga is shaped by the Lore and the presence of Ngarda-Ngarli – the collective term for the Traditional Owner groups of the coastal Pilbara – since Ngurra Nyujunggamu, when the earth was soft, the beginning of time.

Murujuga includes the Burrup Peninsula, the Dampier Archipelago’s 42 islands and the listed property covers almost 100,000 hectares of land and sea country. Across this cultural landscape are between one to two million petroglyphs – rock art – created by carving designs into rock surfaces. The petroglyphs record Ngarda Ngarli’s attachment and adaptation to a changing environment through deep time.

The UNESCO listing recognises the “outstanding universal value” of the Murujuga Cultural Landscape. This value lies in the traditional system governing it, in tangible and intangible attributes that attest to 50,000 years of Ngarda-Ngarli using and caring for the land and seascape.

The Ngarda-Ngarli have campaigned for World Heritage Listing of the Murujuga Cultural Landscape for more than 20 years.

Murujuga Board and Circle of Elders members in Sydney at the ICOMOS General Assembly, where they hosted a Symposium on the Cultural Landscape nomination.
Jo McDonald, CC BY-SA

A controversial nomination

While the outstanding universal values of this place were not in question, the nomination became mired with broader climate concerns.

Industrial development began at Murujuga in the 1950s and was established before Traditional Owners had decision-making authority. The Dampier Archipelago, as well as housing petroglyphs across 42 islands, is also home to one of the largest industrial hubs in the southern hemisphere.

The recent approval for the North-West Gas Hub has elevated climate change concerns and raised questions about whether the government is serious about protecting Murujuga.

The Murujuga Rock Art Monitoring Program (MRAMP) year two report was released around the same time as the north west gas hub announcement.

While acidic pollution has been suggested by some, our work on the monitoring program found rain and dust at the site was pH neutral, and there is no acid rain impacting on the petroglyphs.

Other criticism included that the air quality at the site is compromised by local gas production. The research found the air quality at Murujuga is “good” to “very good” by international standards. We also found average annual nitrogen dioxide levels − the emission under most scrutiny − is five times lower than World Health Organisation guidelines.

According to MRAMP research, Murujuga’s air quality is well within national standards. Nitrogen dioxide is 16 times lower than the national standard, and sulphur dioxide never exceeding 10% of the national standard.

Importantly, the research program is ongoing and will transition to monitoring led by the Ngarda-Ngarli with support and training from the scientists. And this ongoing monitoring will be part of the management regime in place to protect Murujuga as a world heritage listed site.

The MRAMP monitoring team in action at Murujuga.
Ben Mullins, CC BY-SA

Ngard-Ngarli leadership

Traditional Owners and Custodians led the world heritage nomination, supported by State and Commonwealth governments.

Traditional Owners consider the listing will better protect Ngarda-Ngarli knowledge, lore and culture as expressed through the landscape and in the petroglyphs.

World heritage recognition will support Ngarda-Ngarli decision-making and ongoing management across the Murujuga Cultural Landscape.

This global recognition is a mechanism to help Ngarda-Ngarli do what they have always done: protect their culture and decide what is right for Country for future generations.

The inscription is a testament to the old people who started this quest decades ago, many of whom have not lived to celebrate this victory.

The Australian delegation on the floor of UNESCO during the inscription session.
Jo McDonald, CC BY

Australia’s deep time heritage

Australia now has two places on the World Heritage List which are exclusively listed as Indigenous sites of outstanding universal value to all humanity.

The Murujuga Cultural Landscape joins on the list the southwestern Victorian site Budj Bim, one of the world’s most extensive and oldest aquaculture systems.

Murujuga Aboriginal Custodians celebrate the Word Heritage listing decision in Paris this week.
Jo McDonald, CC BY

By this listing, the world has recognised the deep time creative genius and ongoing connection of Ngarda-Ngarli to the Murujuga Cultural Landscape.

This international acclaim recognises the extraordinary resilience of Australia’s First Nations peoples and should be a source of pride and celebration for all Australians.

Jo McDonald is an employee of the University of Western Australia and receives funding from the Australian Research Council.The Centre for Rock Art Research and Management receives funding for its research and training operations from Rio Tinto. Jo was a member of the World Heritage committee and contributed to the writing of the dossier.

Amy Stevens is an employee of Murujuga Aboriginal Corporation, which receives funding from the Australian Government, the WA Government and industry and was a lead author on the Murujuga Cultural Landscape World Heritage nomination.

Belinda Churnside serves as Deputy Chair. Board Directors are remunerated for their duties in accordance with community-approved sitting fees. These payments are made from MAC’s operational income.

MAC receives funding support for a range of projects from both State and Federal government departments, as well as from industry partners operating within the Burrup and Maitland Industrial Estate Agreement (BMIEA) area.

The Department of Water and Environmental Regulation provides operational and strategic support for the Murujuga Rock Art Monitoring Program. The Department of Biodiversity, Conservation and Attractions funds MAC’s National Park Ranger Team, while other funding bodies contribute to the Murujuga Land and Sea Unit Rangers.

All funding sources and expenditures are transparently reported in MAC’s annual financial report, which is audited each year by an independent external auditor.

Ben Mullins is the lead scientist on the Murujuga Rock Art Monitoring Project, which is funded by the Government of Western Australia.

Peter Hicks is the Chair of the Board of Murujuga Aboriginal Corporation (MAC). Board Directors are remunerated for their duties in accordance with community-approved sitting fees. These payments are made from MAC’s operational income.

MAC receives funding support for a range of projects from both State and Federal government departments, as well as from industry partners operating within the Burrup and Maitland Industrial Estate Agreement (BMIEA) area.

The Department of Water and Environmental Regulation provides operational and strategic support for the Murujuga Rock Art Monitoring Program. The Department of Biodiversity, Conservation and Attractions funds MAC’s National Park Ranger Team, while other funding bodies contribute to the Murujuga Land and Sea Unit Rangers.

All funding sources and expenditures are transparently reported in MAC’s annual financial report, which is audited each year by an independent external auditor.

Terry Bailey is a World Heritage advisor to Murujuga Aboriginal Corporation and WA Government and was lead editor and co-author of Murujuga Cultural Landscape World Heritage nomination. His appointment is funded by the WA Government.

– ref. We were part of the world heritage listing of Murujuga. Here’s why all Australians should be proud – https://theconversation.com/we-were-part-of-the-world-heritage-listing-of-murujuga-heres-why-all-australians-should-be-proud-261066

MIL OSI Analysis – EveningReport.nz –

July 17, 2025
MIL-OSI: Red White & Bloom Brands Confirms Date for Reconvened Annual General Meeting

Source: GlobeNewswire (MIL-OSI)

TORONTO, July 16, 2025 (GLOBE NEWSWIRE) — Red White & Bloom Brands Inc. (CSE: RWB) (“RWB” or the “Company”) announces that its 2025 Annual General Meeting of Shareholders (the “AGM”), which was originally convened and subsequently adjourned on July 11, 2025, will reconvene on August 8, 2025 at 8:00 a.m. (Pacific Time), at Suite 1890 – 1075 West Georgia Street, Vancouver, British Columbia, and by teleconference at 1-877-407-8816, Participation Code: 77783, followed by the # key. The reconvened meeting is being held in accordance with the Articles of the Company.

As previously disclosed, the AGM was adjourned to allow additional time for the Company to complete and present its audited financial statements for the fiscal year ended December 31, 2024 (the “Annual Financial Statements”).

Shareholders of record as of the record date previously set for the AGM will remain eligible to attend and vote at the reconvened meeting. Shareholders are encouraged to attend in person or participate via teleconference and to review the Company’s materials in advance of the meeting.

The Annual Financial Statements and related management discussion and analysis are expected to be filed and made available to shareholders prior to the reconvened AGM, in accordance with applicable securities laws and stock exchange requirements.

About Red White & Bloom Brands Inc.

Red White & Bloom Brands is a multi-jurisdictional cannabis operator and house of premium brands operating in the United States, Canada and select international jurisdictions. The Company is predominantly focusing its investments on major U.S. markets, including California, Florida, Missouri, Michigan, and Ohio in addition to Canadian and international markets.

Red White & Bloom Brands Inc.
Investor and Media Relations
Edoardo Mattei, CFO
IR@RedWhiteBloom.com
947-225-0503

Visit us on the web: https://www.redwhitebloom.com/.

Follow us on social media:

Twitter: @rwbbrands

Facebook: @redwhitebloombrands

Instagram: @redwhitebloombrands

Neither the CSE nor its Regulation Services Provider (as that term is defined in the policies of the CSE) accepts responsibility for the adequacy or accuracy of this release.

FORWARD LOOKING INFORMATION

Certain information contained in this news release may constitute “forward-looking information” or “forward-looking statements” within the meaning of applicable Canadian securities legislation. Forward-looking information is often identified by the use of words such as “plans,” “expects,” “may,” “should,” “could,” “will,” “intends,” “anticipates,” “believes,” “estimates,” “forecasts,” or variations of such words and phrases, including the negative forms thereof, as well as terms such as “pro forma” and “scheduled,” and similar expressions that refer to future events or outcomes.

Forward-looking statements in this release include, without limitation, statements relating to the anticipated timing, review, completion, and filing of the Annual Financial Statements; the reconvening of the AGM of Shareholders on August 8, 2025, and the Company’s ongoing business operations and regulatory compliance efforts.

Forward-looking statements involve known and unknown risks, uncertainties, and other factors that may cause actual results, performance, or achievements of the Company to differ materially from those expressed or implied by such forward-looking statements. These risks and uncertainties include, but are not limited to, the risks associated with audit completion processes; regulatory reviews and approvals; and the risk that the Company may not be able to complete its Annual Financial Statements within the timeframe currently anticipated.

There can be no assurance that such forward-looking statements will prove to be accurate, and actual results and future events could differ materially from those anticipated in such statements. Accordingly, readers should not place undue reliance on forward-looking statements.

The Company disclaims any obligation to update or revise any forward-looking information contained herein, whether as a result of new information, future events, or otherwise, except as required by applicable securities laws.

THE FORWARD-LOOKING INFORMATION CONTAINED IN THIS NEWS RELEASE REPRESENTS THE COMPANY’S EXPECTATIONS AS OF THE DATE OF THIS NEWS RELEASE AND, ACCORDINGLY, IS SUBJECT TO CHANGE AFTER SUCH DATE. READERS SHOULD NOT PLACE UNDUE IMPORTANCE ON FORWARD-LOOKING INFORMATION AND SHOULD NOT RELY UPON THIS INFORMATION AS OF ANY OTHER DATE. WHILE THE COMPANY MAY ELECT TO, IT DOES NOT UNDERTAKE TO UPDATE THIS INFORMATION AT ANY PARTICULAR TIME EXCEPT AS REQUIRED IN ACCORDANCE WITH APPLICABLE LAWS.

The MIL Network –

July 17, 2025
MIL-OSI: Red White & Bloom Brands Confirms Date for Reconvened Annual General Meeting

Source: GlobeNewswire (MIL-OSI)

TORONTO, July 16, 2025 (GLOBE NEWSWIRE) — Red White & Bloom Brands Inc. (CSE: RWB) (“RWB” or the “Company”) announces that its 2025 Annual General Meeting of Shareholders (the “AGM”), which was originally convened and subsequently adjourned on July 11, 2025, will reconvene on August 8, 2025 at 8:00 a.m. (Pacific Time), at Suite 1890 – 1075 West Georgia Street, Vancouver, British Columbia, and by teleconference at 1-877-407-8816, Participation Code: 77783, followed by the # key. The reconvened meeting is being held in accordance with the Articles of the Company.

As previously disclosed, the AGM was adjourned to allow additional time for the Company to complete and present its audited financial statements for the fiscal year ended December 31, 2024 (the “Annual Financial Statements”).

Shareholders of record as of the record date previously set for the AGM will remain eligible to attend and vote at the reconvened meeting. Shareholders are encouraged to attend in person or participate via teleconference and to review the Company’s materials in advance of the meeting.

The Annual Financial Statements and related management discussion and analysis are expected to be filed and made available to shareholders prior to the reconvened AGM, in accordance with applicable securities laws and stock exchange requirements.

About Red White & Bloom Brands Inc.

Red White & Bloom Brands is a multi-jurisdictional cannabis operator and house of premium brands operating in the United States, Canada and select international jurisdictions. The Company is predominantly focusing its investments on major U.S. markets, including California, Florida, Missouri, Michigan, and Ohio in addition to Canadian and international markets.

Red White & Bloom Brands Inc.
Investor and Media Relations
Edoardo Mattei, CFO
IR@RedWhiteBloom.com
947-225-0503

Visit us on the web: https://www.redwhitebloom.com/.

Follow us on social media:

Twitter: @rwbbrands

Facebook: @redwhitebloombrands

Instagram: @redwhitebloombrands

Neither the CSE nor its Regulation Services Provider (as that term is defined in the policies of the CSE) accepts responsibility for the adequacy or accuracy of this release.

FORWARD LOOKING INFORMATION

Certain information contained in this news release may constitute “forward-looking information” or “forward-looking statements” within the meaning of applicable Canadian securities legislation. Forward-looking information is often identified by the use of words such as “plans,” “expects,” “may,” “should,” “could,” “will,” “intends,” “anticipates,” “believes,” “estimates,” “forecasts,” or variations of such words and phrases, including the negative forms thereof, as well as terms such as “pro forma” and “scheduled,” and similar expressions that refer to future events or outcomes.

Forward-looking statements in this release include, without limitation, statements relating to the anticipated timing, review, completion, and filing of the Annual Financial Statements; the reconvening of the AGM of Shareholders on August 8, 2025, and the Company’s ongoing business operations and regulatory compliance efforts.

Forward-looking statements involve known and unknown risks, uncertainties, and other factors that may cause actual results, performance, or achievements of the Company to differ materially from those expressed or implied by such forward-looking statements. These risks and uncertainties include, but are not limited to, the risks associated with audit completion processes; regulatory reviews and approvals; and the risk that the Company may not be able to complete its Annual Financial Statements within the timeframe currently anticipated.

There can be no assurance that such forward-looking statements will prove to be accurate, and actual results and future events could differ materially from those anticipated in such statements. Accordingly, readers should not place undue reliance on forward-looking statements.

The Company disclaims any obligation to update or revise any forward-looking information contained herein, whether as a result of new information, future events, or otherwise, except as required by applicable securities laws.

THE FORWARD-LOOKING INFORMATION CONTAINED IN THIS NEWS RELEASE REPRESENTS THE COMPANY’S EXPECTATIONS AS OF THE DATE OF THIS NEWS RELEASE AND, ACCORDINGLY, IS SUBJECT TO CHANGE AFTER SUCH DATE. READERS SHOULD NOT PLACE UNDUE IMPORTANCE ON FORWARD-LOOKING INFORMATION AND SHOULD NOT RELY UPON THIS INFORMATION AS OF ANY OTHER DATE. WHILE THE COMPANY MAY ELECT TO, IT DOES NOT UNDERTAKE TO UPDATE THIS INFORMATION AT ANY PARTICULAR TIME EXCEPT AS REQUIRED IN ACCORDANCE WITH APPLICABLE LAWS.

The MIL Network –

July 17, 2025
MIL-OSI: OceanFirst Financial Corp. Announces 2025 Stock Repurchase Program

Source: GlobeNewswire (MIL-OSI)

RED BANK, N.J., July 16, 2025 (GLOBE NEWSWIRE) — OceanFirst Financial Corp. (NASDAQ:“OCFC”), (the “Company”), the holding company for OceanFirst Bank N.A. (the “Bank”), today announced that its Board of Directors has authorized a 2025 Stock Repurchase Program, under which the Company may repurchase up to 3 million shares, or approximately 5% of its outstanding common stock. This authorization is incremental to the Company’s existing 2021 Stock Repurchase Program.

“The repurchase program underscores our belief that OceanFirst shares represent a compelling investment opportunity,” said Christopher D. Maher, Chairman and Chief Executive Officer. “The program enhances our capital deployment flexibility, allowing us to respond opportunistically to market conditions while maintaining the capacity to invest in organic growth, strategic initiatives, and shareholder returns.”

OceanFirst Financial Corp.’s press releases are available by visiting us at www.oceanfirst.com.

Forward-Looking Statements

In addition to historical information, this news release contains certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, which are based on certain assumptions and describe future plans, strategies and expectations of the Company. These forward-looking statements are generally identified by use of the words “believe”, “expect”, “intend”, “anticipate”, “estimate”, “project”, “will”, “should”, “may”, “view”, “opportunity”, “potential”, or similar expressions or expressions of confidence. The Company’s ability to predict results or the actual effect of future plans or strategies is inherently uncertain. Factors which could have a material adverse effect on the operations of the Company and its subsidiaries include, but are not limited to: changes in interest rates, inflation, general economic conditions, including potential recessionary conditions, levels of unemployment in the Company’s lending area, real estate market values in the Company’s lending area, potential goodwill impairment, natural disasters, potential increases to flood insurance premiums, the current or anticipated impact of military conflict, terrorism or other geopolitical events, the imposition of tariffs or other domestic or international governmental policies, and retaliatory responses, the level of prepayments on loans and mortgage-backed securities, legislative/regulatory changes, monetary and fiscal policies of the U.S. Government, including policies of the U.S. Treasury and the Board of Governors of the Federal Reserve System, the quality or composition of the loan or investment portfolios, demand for loan products, deposit flows, the availability of low-cost funding, changes in liquidity, including the size and composition of the Company’s deposit portfolio, and the percentage of uninsured deposits in the portfolio, changes in capital management and balance sheet strategies and the ability to successfully implement such strategies, competition, demand for financial services in the Company’s market area, changes in investor sentiment and consumer spending, borrowing and saving habits, changes in accounting principles, a failure in or breach of the Company’s operational or security systems or infrastructure, including cyberattacks, the failure to maintain current technologies, failure to retain or attract employees, the impact of pandemics on our operations and financial results and those of our customers and the Bank’s ability to successfully integrate acquired operations. These risks and uncertainties are further discussed in the Company’s Annual Report on Form 10-K for the year ended December 31, 2024, under Item 1A – Risk Factors and elsewhere, and subsequent securities filings and should be considered in evaluating forward-looking statements and undue reliance should not be placed on such statements. The Company does not undertake, and specifically disclaims any obligation, to publicly release the result of any revisions which may be made to any forward-looking statements to reflect events or circumstances after the date of such statements or to reflect the occurrence of anticipated or unanticipated events.

Company Contact:

Patrick S. Barrett
Chief Financial Officer
OceanFirst Financial Corp.
Tel: (732) 240-4500, ext. 27507
Email: pbarrett@oceanfirst.com

The MIL Network –

July 17, 2025
MIL-OSI: GBank Financial Holdings Inc. Announces Second Quarter 2025 Quarterly Earnings Call Scheduled for Tuesday, July 29th, at 10:00 A.M., Pacific Time
Source: GlobeNewswire (MIL-OSI)

LAS VEGAS, July 16, 2025 (GLOBE NEWSWIRE) — GBank Financial Holdings Inc. (the “Company”) (Nasdaq: GBFH), the parent company for GBank (the “Bank”), today announced it plans to release its second quarter 2025 financial results after the market closes on Monday, July 28, 2025, and will host its quarterly earnings call on Tuesday, July 29, 2025, at 10:00 a.m., PST. Interested parties can participate remotely via Internet connectivity. There will be no physical location for attendance.

Interested parties may join online, via the ZOOM app on their smartphones, or by telephone:
- ZOOM Video Conference ID 826 3030 7240
- Passcode: 549549
Joining by ZOOM Video Conference:

Log in on your computer at
https://us02web.zoom.us/j/82630307240?pwd=TU4yZXJqMEc2VGZoUm5rRTl0OVFxdz09
or use the ZOOM app on your smartphone.

Joining by Telephone

Dial (408) 638-0968. The conference ID is 826 3030 7240. Passcode: 549549.

About GBank Financial Holdings Inc.

GBank Financial Holdings Inc. is a bank holding company headquartered in Las Vegas, Nevada and is listed on the Nasdaq Capital Market under the symbol “GBFH.” Our national payment and Gaming FinTech business lines serve gaming clients across the U.S. and feature the GBank Visa Signature^® Card—a tailored product for the gaming and sports entertainment markets. The Bank is also a top national SBA lender, now operating across 40 states. Through our wholly owned bank subsidiary, GBank, we operate two full-service commercial branches in Las Vegas, Nevada to provide a broad range of business, commercial and retail banking products and services to small businesses, middle-market enterprises, public entities and affluent individuals in Nevada, California, Utah, and Arizona. Please visit www.gbankfinancialholdings.com for more information.

Available Information

The Company routinely posts important information for investors on its web site (under www.gbankfinancialholdings.com and, more specifically, under the News & Media tab at www.gbankfinancialholdings.com/press-releases). The Company intends to use its web site as a means of disclosing material non-public information and for complying with its disclosure obligations under Regulation FD (Fair Disclosure) promulgated by the U.S. Securities and Exchange Commission (the “SEC”). Accordingly, investors should monitor the Company’s web site, in addition to following the Company’s press releases, SEC filings, public conference calls, presentations and webcasts.

The information contained on, or that may be accessed through, the Company’s web site is not incorporated by reference into, and is not a part of, this document.

For Further Information, Contact:

GBank Financial Holdings Inc.
T. Ryan Sullivan
President and CEO
702-851-4200
rsullivan@g.bank

Source: GBank Financial Holdings Inc.

The MIL Network –
July 17, 2025
MIL-OSI USA: Senator Marshall: Powell Has Lost the Confidence of the President & the American People, & Should Resign

US Senate News:

Source: United States Senator for Kansas Roger Marshall
Senator Marshall Joins Fox Business to Talk About Fed Chairman Jerome Powell
Washington – On Wednesday, U.S. Senator Roger Marshall, M.D. (R-Kansas), joined Elizabeth McDonald on Fox Business’ The Evening Edit to discuss Jerome Powell’s tenure at the Federal Reserve, why interest rates need to come down for the good of the country, and concerns about the overspending on the Federal Reserve HQ renovations.
Click HERE or on the image above to watch Senator Marshall’s full interview.
On whether President Trump will fire Jerome Powell:
“I don’t see the president firing him, but Jay Powell should resign. That’s what he should do. He’s lost the confidence of the President and the American people. There’s a reason the President calls him ‘too late.’ He was too late when we saw Bidenflation just jump through the roof; they told us it would be transient, [but] he was so late that inflation was persistent.
“Then, a month before the November election, he suddenly, without good reason, he drops the interest rate. And now we just had a quarter of 2.1% inflation numbers, and he refuses to drop them. It just seems to me that Jay Powell has a blind spot. That he’s too much emotionally invested in the situation. Now it probably be best if he resigned. Gave us give us some notice, though, and let America’s economy get on the way here. We need to drop the interest rates.”
On the ongoing costs of the Federal Reserve HQ Renovations:
“We certainly need an inspector general, or the Government Accounting Office, to go in there and figure this out. This building costs $2,000 a square foot. It has a theater, it has wellness centers, and I don’t know if it’s gold-plated or not, but it’s way over budget. Did we even need a new one to start with? There’s much better things we could do with this money, and I do expect to see more of this as we go through some type of congressional hearing.”

MIL OSI USA News –

July 17, 2025
MIL-OSI USA: The One Big Beautiful Bill Slashes Seniors’ Tax Burden

US Senate News:

Source: United States Senator for Idaho Mike Crapo

Washington, D.C.–The One Big Beautiful Bill Act delivers on President Trump’s promise to seniors, providing significant tax relief to low- and middle-income seniors with a bonus exemption on top of other significant tax relief.
“This legislation reflects our commitment to care for our seniors, ensuring low- and middle-income senior citizens receive a crucial tax break and are able to keep more of the money they have earned over the course of their lives,” said Finance Committee Chairman Mike Crapo (R-Idaho).
Key wins:
Provides a $6,000 bonus exemption to millions of low- and middle-income seniors, slashing their tax burden.
Permanent lower tax rates, letting Americans keep more of their hard-earned money.
Permanent increased and enhanced standard deduction, claimed by over 90 percent of taxpayers.
What they are saying:
“The bill’s broadest tax impact comes from making permanent the reduced income tax rates enacted during Trump’s first term and initially set to expire after this year. Another key provision, backed by AARP, provides targeted tax relief for older adults in the form of a $6,000 “bonus” deduction that could offset federal taxes on Social Security benefits.” – AARP
“The One, Big, Beautiful Bill will unleash the full potential of the U.S. economy. It locks in permanent, pro-growth tax cuts for families, workers, and job creators. The bill also enacts No Tax on Tips, No Tax on Overtime, and new tax cuts for seniors. The OBBB will strengthen important programs for those who need them most and save taxpayer dollars by cutting waste, fraud, and abuse. This consequential legislation cements the blue-collar boom and improves the lives of Americans on every rung of the economic ladder. As we saw after the passage of the 2017 Trump Tax Cuts, American businesses will hire, invest, and raise wages now that this Administration and the Republican Congress have delivered certainty and stability for the economy.” – Scott Bessent, Treasury Secretary
“Under the One Big Beautiful Bill, 51.4 million seniors – 88 percent of all seniors receiving Social Security income – will pay no tax on their Social Security.” – Council of Economic Advisers
Click HERE to learn more about the Finance Committee provisions in the One Big Beautiful Bill Act.

MIL OSI USA News –

July 17, 2025
MIL-OSI USA: Boozman, Hassan Lead Push to Ensure Timely Death Certification for Grieving Veteran Families

US Senate News:

Source: United States Senator for Arkansas – John Boozman

WASHINGTON—U.S. Senators John Boozman (R-AR) and Maggie Hassan (D-NH), members of the Senate Committee on Veterans’ Affairs, introduced the Veterans Burial Assistance Act, legislation to help expedite the process of certifying a veteran’s passing and minimize or avoid delays in benefits owed to their loved ones. Congressman Tom Emmer (R-MN-06) introduced similar legislation in the U.S. House of Representatives.

“Ensuring that a death certificate – an important legal document – is provided to a veteran’s loved ones in a timely manner after their passing is crucial not only for emotional closure, but necessary for a variety of legal, financial and administrative matters,” said Boozman. “Without one, it is difficult to access survivor and burial benefits and further assistance from the VA. Our bill ensures that veterans who pass away in VA care promptly receive this fully executed, vital document.”

“While we can never fully repay the debt that we owe to veterans for their service to our country, we can help ensure that as their families work to lay their loved one to rest, they receive the support that they have earned and deserve,” said Hassan. “This commonsense legislation will help ensure that when a veteran passes away, their death certificate is processed quickly so that their loved ones can experience the closure and certainty that comes with a dignified burial.”

“Our duty to our veterans must not end with their final breath,” Emmer said. “With this commonsense reform, no veteran family will be denied closure – or forced to endure uncertainty – when burying one of our nation’s heroes.”

The Veterans Burial Assistance Act would require the signing of a veteran’s death certificate by a VA doctor or nurse practitioner within 48 hours of notification for any veteran whose primary care doctor is employed by the VA, regardless of where the veteran passes. When the VA is unable to meet this timeline, the local coroner or medical examiner may sign the death certificate.

The signing of a death certificate for veterans who have died of natural causes has been delayed for as many as eight weeks, preventing loved ones from receiving death benefits in a timely manner and forcing local governments to pay for the veteran’s body to be stored until the death certificate is signed and a burial can be performed.

The bill is supported by AMVETS, Vietnam Veterans of America and With Honor.

Bill text is available here.

MIL OSI USA News –

July 17, 2025
MIL-OSI Australia: ATO app puts protection in your pocket
Source: New places to play in Gungahlin

As millions of Australians are preparing to lodge their tax returns, scammers are actively seeking new ways to exploit personal information. If successful, they can use stolen details not only to commit fraud against the Australian Taxation Office (ATO), but also carry out broader identity theft and financial crimes across the community.

The ATO has reported a sharp rise in impersonation scams, with a 150 per cent increase over the last 12 months. 90 per cent of ATO impersonation scams are currently being sent via email.

Scammers are constantly enhancing their methods to impersonate the ATO, making it increasingly difficult for individuals to recognise fraudulent messages. Staying informed and vigilant is essential to protecting personal information.

To help keep your personal information safe and protected, the ATO’s app now has powerful new safety features designed to give users real-time control over their tax affairs through alerts and instant account locking to help stop fraudsters in their tracks.

The app enhancements bolster the ATO’s existing fraud controls that have been in place for some time to detect unusual or out of pattern behaviour on taxpayers’ accounts.

Quotes attributable to ATO Assistant Commissioner Rob Thomson

‘This is the time of year when people are awaiting their tax returns or expecting to hear from the ATO, and scammers know it.’

‘That’s why we’ve strengthened the ATO app with new security features. It’s fast, free, and puts security in your hands, giving you the power to monitor your account in real-time and instantly lock it if something doesn’t feel right.’

‘Downloading the ATO app is a simple and effective way to stay one step ahead.’

‘If you receive a notification and something doesn’t feel right, lock your account immediately in our app, and verify and report the interaction on the ATO website or by calling 1800 467 033 during business hours to discuss any suspicious activity.’

Fraudsters are getting smarter, but so are the protective features in the app. The ATO app now includes new security features designed to help you stay protected, such as:
- Real-time messages when changes are made to your ATO record.
- Quick account locking when you receive a real-time message to prevent unauthorised access or fraudulent refunds.
These features provide peace of mind knowing your account is protected and you remain in control of your tax affairs anytime, anywhere.

The ATO works closely with the National Anti-Scam Centre (NASC), which operates under the ACCC, to protect Australian’s identity information from scams through awareness and education that focuses on three simple steps – stop, check, protect. This partnership strengthens our ability to detect and respond to scam threats, especially during peak periods like tax time.

Quotes attributable to ACCC Deputy Chair Catriona Lowe

‘If you receive an unsolicited contact claiming to be from the ATO and offering any of these options, it’s very likely a scam. Scammers may also use spoofed phone numbers, fake caller IDs, and convincing email templates to appear legitimate.’

‘Don’t let scammers pressure you. We urge all Australians to ‘stop, check and protect’ before reacting to an unexpected call or message and keep front of mind that the ATO and myGov do not use links in their messages.’

Fraudsters and scammers plan on you being distracted and thrive on weak security. Your first line of defence is the ATO app, followed by:
- Using a digital ID like myID to securely access online services. It’s unique to you and helps protect you from identity theft and fraud across platforms like tax, education, and government services.
- Knowing how to spot and report scams impersonating the ATO. It only takes a few seconds to stop and check an interaction is legitimate. Remember, the ATO will never send you a link asking for your personal information or for you to log into online services.
- Turning on multi-factor authentication wherever possible.
- Using strong and unique passwords or passphrases.
- Keeping your devices and software updated to block the latest threats.
And most importantly, never share your TFN, myGov login, or bank details even in private messages or emails. These are keys to your identity.

If you’ve received a suspicious call, SMS, email or social media message:

ENDS

Notes to journalists

A high-resolution headshot of ATO Assistant Commissioner Rob ThomsonThis link will download a file is available for download from our media centre.

ATO stock footage and images are available for use in news bulletins from our media centre.

MIL OSI News –
July 17, 2025
MIL-OSI USA: SBA Offers Relief to Montana Small Businesses and Private Nonprofits Affected by Drought

Source: United States Small Business Administration

SACRAMENTO, Calif. – The U.S. Small Business Administration (SBA) announced the availability of low interest federal disaster loans to small businesses and private nonprofit (PNP) organizations in Montana to offset economic losses caused by drought beginning May 1.

The declaration covers the Montana counties of Beaverhead, Carter, Cascade, Chouteau, Custer, Dawson, Deer Lodge, Fallon, Flathead, Garfield, Granite, Jefferson, Judith Basin, Lake, Lewis and Clark, Madison, McCone, Meagher, Missoula, Powder River, Powell, Prairie, Ravalli, Richland, Roosevelt, Rosebud, Sanders, Silver Bow, Teton and Wibaux as well as Idaho counties of Clark, Fremont, Idaho and Lemhi, North Dakota counties of Bowman, Golden Valley, McKenzie, Slope and Williams, South Dakota counties of Butte and Harding, and the Wyoming county of Crook.

Under this declaration, SBA’s Economic Injury Disaster Loan (EIDL) program is available to small businesses, small agricultural cooperatives, nurseries, and PNPs with financial losses directly related to the disaster. The SBA is unable to provide disaster loans to agricultural producers, farmers, or ranchers, except for small aquaculture enterprises.

EIDLs are available for working capital needs caused by the disaster and are available even if the business or PNP did not suffer any physical damage. The loans may be used to pay fixed debts, payroll, accounts payable and other bills not paid due to the disaster.

“Through a declaration by the U.S. Secretary of Agriculture, SBA provides critical financial assistance to help communities recover,” said Chris Stallings, associate administrator of the Office of Disaster Recovery and Resilience at the SBA. “We’re pleased to offer loans to small businesses and private nonprofits impacted by these disasters.”

The loan amount can be up to $2 million with interest rates as low as 4% for small businesses and 3.625% for PNPs with terms up to 30 years. Interest does not accrue and payments are not due until 12 months after the date of the first loan disbursement. The SBA sets loan amounts and terms based on each applicant’s financial condition.

To apply online, visit sba.gov/disaster. Applicants may also call SBA’s Customer Service Center at (800) 659-2955 or email disastercustomerservice@sba.gov for more information on SBA disaster assistance. For people who are deaf, hard of hearing, or have a speech disability, please dial 7-1-1 to access telecommunications relay services.

Submit completed loan applications to SBA no later than March 9, 2026.

###

About the U.S. Small Business Administration

The U.S. Small Business Administration helps power the American dream of business ownership. As the only go-to resource and voice for small businesses backed by the strength of the federal government, the SBA empowers entrepreneurs and small business owners with the resources and support they need to start, grow, expand their businesses, or recover from a declared disaster. It delivers services through an extensive network of SBA field offices and partnerships with public and private organizations. To learn more, visit www.sba.gov.

MIL OSI USA News –

July 17, 2025
MIL-OSI USA: SBA Offers Relief to Wyoming Small Businesses and Private Nonprofits Affected by Drought

Source: United States Small Business Administration

SACRAMENTO, Calif. – The U.S. Small Business Administration (SBA) announced the availability of low interest federal disaster loans to small businesses and private nonprofit (PNP) organizations in Wyoming to offset economic losses caused by drought beginning May 1.

The declaration covers the Wyoming counties of Campbell, Converse, Crook, Fremont, Lincoln, Niobrara, Park, Sublette, Teton and Weston as well as the Idaho counties of Bonneville, Fremont and Teton, the Montana County of Gallatin, and South Dakota counties of Custer, Lawrence and Pennington.

Under this declaration, SBA’s Economic Injury Disaster Loan (EIDL) program is available to small businesses, small agricultural cooperatives, nurseries, and PNPs with financial losses directly related to the disaster. The SBA is unable to provide disaster loans to agricultural producers, farmers, or ranchers, except for small aquaculture enterprises.

EIDLs are available for working capital needs caused by the disaster and are available even if the business or PNP did not suffer any physical damage. The loans may be used to pay fixed debts, payroll, accounts payable and other bills not paid due to the disaster.

“Through a declaration by the U.S. Secretary of Agriculture, SBA provides critical financial assistance to help communities recover,” said Chris Stallings, associate administrator of the Office of Disaster Recovery and Resilience at the SBA. “We’re pleased to offer loans to small businesses and private nonprofits impacted by these disasters.”

The loan amount can be up to $2 million with interest rates as low as 4% for small businesses and 3.625% for PNPs with terms up to 30 years. Interest does not accrue and payments are not due until 12 months after the date of the first loan disbursement. The SBA sets loan amounts and terms based on each applicant’s financial condition.

To apply online, visit sba.gov/disaster. Applicants may also call SBA’s Customer Service Center at (800) 659-2955 or email disastercustomerservice@sba.gov for more information on SBA disaster assistance. For people who are deaf, hard of hearing, or have a speech disability, please dial 7-1-1 to access telecommunications relay services.

Submit completed loan applications to SBA no later than March 9, 2026.

###

About the U.S. Small Business Administration

The U.S. Small Business Administration helps power the American dream of business ownership. As the only go-to resource and voice for small businesses backed by the strength of the federal government, the SBA empowers entrepreneurs and small business owners with the resources and support they need to start, grow, expand their businesses, or recover from a declared disaster. It delivers services through an extensive network of SBA field offices and partnerships with public and private organizations. To learn more, visit www.sba.gov.

MIL OSI USA News –

July 17, 2025
MIL-OSI: Recession Profit Secrets Offers Recession Remedy Strategy for Economic Resilience in 2025

Source: GlobeNewswire (MIL-OSI)

New York, July 16, 2025 (GLOBE NEWSWIRE) —

Disclaimer: This content is for informational purposes only. Recession Profit Secrets products are not intended to diagnose, treat, cure, or prevent any disease. Always consult a healthcare provider before use.

Visit the Official Recession Profit Secrets Site

Understanding the Recession Profit Secrets Framework

In a time when economic headwinds challenge traditional investment logic, the Recession Profit Secrets platform offers an alternative financial learning system rooted in strategic preparedness. Unlike high-risk investment schemes that often emerge during periods of volatility, this program emphasizes core economic resilience—a principle aligned with timeless financial planning fundamentals.

At its core, the Recession Profit Secrets framework is designed to help individuals recognize recessionary signals in advance. The educational material prioritizes a blend of historical case studies, monetary policy trends, and behavioral finance strategies. Each lesson is structured to equip the average person with an analytical lens through which they can evaluate their own asset positioning, consumption patterns, and long-term fiscal health.

The platform does not claim to predict market collapses, nor does it provide financial advice. Rather, it teaches principles that help consumers interpret economic context with greater clarity. The keyword “Recession Remedy” represents a broader philosophy: using knowledge—not speculation—to make better personal finance decisions in uncertain times.

What Makes the ‘Recession Remedy’ Concept Unique in 2025

In 2025, recession discourse has shifted from rare-event theory to continuous preparedness. The “Recession Remedy” concept introduces structured education modules that challenge consumers to examine their dependencies on interest-sensitive income, evaluate liquidity positions, and stress-test their household budgets.

Unlike one-size-fits-all guides or emotionally driven forecasts, this program incorporates data from leading macroeconomic indicators such as the Consumer Price Index (CPI), GDP volatility, and the Federal Reserve’s forward guidance models. The Recession Profit Secrets team consolidates these elements into digestible formats accessible to non-professionals, with an emphasis on awareness rather than anxiety.

Additionally, the platform offers detailed frameworks on capital preservation, explaining the difference between cyclical downturns and structural economic shifts. Whether addressing inflationary environments or debt cycle contractions, the “Recession Remedy” curriculum remains anchored in verifiable academic sources and financial journalism standards.

Analyzing Economic Indicators and Market Trends

Interpreting macroeconomic signals is essential for financial planning. Recession Profit Secrets dedicates extensive coverage to the most telling indicators of systemic stress. These include yield curve inversions, stagnating industrial production, consumer sentiment declines, and wage growth divergences.

By breaking down these indicators into practical insights, the curriculum avoids overwhelming readers with technical jargon. Instead, it outlines how everyday economic developments—from grocery price surges to rising credit card APRs—can serve as early warnings for larger systemic shifts.

This section also explores how market psychology, geopolitical uncertainty, and commodity cycles intersect to influence recession trajectories. Users are introduced to frameworks that encourage diversified income streams, conservative leverage practices, and flexibility in spending habits—three critical ingredients for financial durability.

Learn more about how this framework works in real-world scenarios by visiting the Official Recession Profit Secrets Site.

Protecting Household Wealth Before a Recession Hits

While many programs focus on crisis response, Recession Profit Secrets focuses on pre-recession resilience. This includes guidance on fixed cost reduction, low-volatility income strategies, and recession-conscious budgeting techniques.

Participants are encouraged to audit discretionary expenses, review insurance coverages, and consider adjustments to tax-withholding strategies. For those nearing retirement, modules explore how sequence-of-returns risk can impact drawdown plans—and what adjustments may help reduce volatility exposure.

The “Recession Remedy” philosophy places strong emphasis on liquidity, arguing that access to cash reserves can reduce reliance on debt and allow strategic timing of asset decisions. The program offers no investment advice, but it does provide a playbook for increasing optionality in personal finance planning.

How Consumers Are Shifting Financial Behavior in Uncertain Times

Recent surveys suggest growing consumer appetite for financial literacy tools—particularly those aimed at reducing dependency on high-risk assets. The Recession Profit Secrets platform reflects this shift, offering modular instruction suited for all levels of experience.

In 2025, younger consumers are prioritizing debt reduction, middle-aged households are exploring passive income strategies, and retirees are seeking inflation-sensitive allocation models. The program adapts to these generational differences by offering layered content—each module building on the last in a non-linear, self-paced structure.

More broadly, the platform addresses the psychological side of economic stress: fear of job loss, anxiety over inflation, and pressure to sustain pre-recession lifestyles. It frames each lesson in terms of empowerment, helping users focus on action rather than apprehension.

The Educational Design Behind Recession Profit Secrets

The instructional design of Recession Profit Secrets follows a “concept-to-application” flow. Each topic begins with foundational definitions and economic context, followed by hypothetical case studies and end-of-module review checklists.

Modules are built to foster knowledge retention through spaced repetition, context layering, and behavioral modeling. Visual learners benefit from infographics and charts that map out economic cycles and recessionary triggers.

The program also includes access to periodic updates, ensuring that macro trends—such as fiscal policy changes, new federal reserve signals, or labor market shifts—are integrated into future course revisions. This living-document approach ensures the curriculum evolves in tandem with the economy itself.

Why ClickBank’s Transparent Delivery Model Matters

One distinguishing feature of the Recession Profit Secrets experience is its delivery through ClickBank, a global platform known for compliance standards and customer transparency.

Consumers who access the product through ClickBank benefit from secure checkout, defined refund terms, and readily available support channels. This backend infrastructure ensures continuity, platform security, and access to updates without data risk or affiliate obfuscation.

ClickBank’s reputation for delivering digital education securely and consistently makes it an ideal partner for programs like Recession Profit Secrets, where trust and clarity are critical to user adoption.

Explore how the platform delivers secure digital access via ClickBank by visiting the Official Recession Profit Secrets Site.

Debunking Common Myths About Recession-Proof Investing

The Recession Profit Secrets platform directly addresses common misconceptions—such as the belief that gold is always a safe haven, or that cash hoarding is universally effective.

Instead, the curriculum unpacks the nuances behind each perceived “safe” strategy. For example, while gold may act as a hedge during specific inflationary periods, its correlation to real purchasing power varies depending on geopolitical cycles.

The platform discourages absolutism, advocating instead for a principles-first approach: understanding liquidity profiles, inflation pass-throughs, and the interplay of policy responses. The goal is to equip users with frameworks, not prescriptions.

Who May Benefit Most from This Approach in 2025

The Recession Profit Secrets curriculum may appeal to a broad audience—particularly those with fixed or limited incomes, pre-retirees, small business owners, and consumers carrying unsecured debt.

Its accessibility makes it suitable for both new learners and experienced individuals looking to reframe outdated financial models. Those navigating job transitions, retirement recalibrations, or household budgeting stress may find particular value in the course’s situational application style.

Rather than positioning the program as a cure-all, the content invites users to treat it as a toolkit—drawing from it selectively based on their current financial lifecycle.

Final Thoughts on Building a Financially Resilient Future

In a landscape increasingly shaped by debt cycles, fiscal uncertainty, and automation-driven job volatility, building financial resilience has become more than a goal—it’s a necessity.

Recession Profit Secrets does not offer easy answers or predictive models. Instead, it emphasizes financial self-awareness, data-informed decision-making, and skillful adaptation. The “Recession Remedy” approach is less about forecasting crashes and more about preparing for the full arc of economic life.

Consumers seeking empowerment through education—not alarmist speculation—may find Recession Profit Secrets to be a valuable companion in their long-term planning process.

Contact & Transparency Information

For more details or support related to Recession Profit Secrets:
Contact Support:support@recessionprofitsecrets.com
ClickBank Customer Service:support@clickbank.com
Phone (US): 1-800-390-6035
Phone (INTL): 1-208-345-4245

Visit the Official Recession Profit Secrets Site

Disclaimer: This content is for informational purposes only. Recession Profit Secrets products are not intended to diagnose, treat, cure, or prevent any disease. Always consult a healthcare provider before use.

The MIL Network –

July 17, 2025

MIL-OSI United Kingdom: Great British Energy to cut energy bills for community facilities

Source: United Kingdom – Executive Government & Departments 2

Press release

Great British Energy to cut energy bills for community facilities

Great British Energy to cut energy bills for local community libraries, fire stations, care homes and community centres.

Libraries, fire stations and care homes in local communities will benefit from cheaper energy bills through Great British Energy community funding as part of Plan for Change
Mayoral authorities to receive a share of £10 million for publicly-owned clean energy projects
Complements Great British Energy’s drive to cut bills for around 200 schools and 200 hospitals, which is already seeing savings

Libraries, fire stations and care homes in local communities will benefit from cheaper energy bills as Great British Energy delivers on the government’s clean energy superpower mission to make working people and their communities better off.

Great British Energy, the government’s publicly-owned clean energy company, has awarded mayoral authorities a share of £10 million in grant funding to roll out clean energy projects at the centre of communities – including rooftop solar on Merseyside care homes and on leisure centres and libraries in Yorkshire.

These grants will mean that the community services and institutions that working people use will be able to save on their electricity bills and spend more money on the frontline services that strengthen local communities and boost local economic growth.

It is estimated that these schemes could produce a total of around £35 million of lifetime savings on energy bills, while improving energy security and creating good jobs.

As well as solar panels on public buildings, the grants will pay to install batteries for community buildings in areas including Greater Manchester and West Yorkshire, so they can store renewable energy and use it later. The grants will also fund EV chargers in Greater Manchester, to make it easier for drivers to benefit from cheaper to power electric vehicles.

Great British Energy is already cutting energy bills for public services, with solar panels already installed on 11 schools as part of plans to roll out the panels on around 200 schools and 200 hospitals in England.

The government’s clean energy superpower mission will protect billpayers, create jobs and bring greater energy security through delivering clean power by 2030. Great British Energy will accelerate this by developing, investing and building clean energy projects across the UK.

Energy Secretary Ed Miliband said:

Your local sports hall, library and community centre could have their energy bills cut by Great British Energy, the government’s publicly-owned clean energy company.

Our plans will mean more money can be spent on the services that make working people better off and help strengthen the ties that bind us in our communities.

This is what Great British Energy is all about – taking back control to deliver lower bills for good.

Great British Energy CEO Dan McGrail said:

Today’s support for new clean power projects in every region in England shows our mission in action – providing a lasting positive impact for the country by creating new jobs, lower bills, and a cleaner future.

It’s important that communities feel the benefits of the energy transition and that we demonstrate the very real rewards it can bring.

Earlier this year, all Mayoral Strategic Authorities were invited to submit expressions of interest for funding renewable energy projects that can be delivered in the 2025/2026 financial year.

Liverpool City Region Combined Authority will use the money to support a rooftop solar project to support care homes and leisure centres, cutting around £4.6 million on lifetime energy bills, while Greater Manchester will also roll out rooftop solar on libraries, fire stations, police stations and sports centres, leading to estimated savings of over £2.1million on lifetime bills. Projects in York and North Yorkshire are estimated to bring around £4 million in lifetime bill savings, they include solar panels to help power an Edwardian swimming pool in York and leisure centres in Whitby, Ripon and Thirsk.

It follows the government’s announcement in March to award £180 million of funding for schools and hospitals to install rooftop solar, marking the first major project for Great British Energy – a company owned by the British people, for the British people. This could see millions invested back into frontline services, targeting deprived areas, with lifetime bill savings for schools and the NHS sites of up to £400 million over the next 30 years.

Notes to editors

Successful Mayoral schemes:

The figures below were estimated by DESNZ in collaboration with MSAs, based on a combination of project-level data and DESNZ standard assumptions. It should be noted these are initial estimates that will be refined as projects become operational and actual data is collected.

MSA	Technology	Project Type	Grant Funding Requested (£)	Total expected project cost (£)	Estimated Net Yearly Average Energy Bill Savings (£ undiscounted, 2025 prices)	Estimated Net Lifetime Energy Bill Savings (£ undiscounted, 2025 prices)
Greater Lincolnshire	Solar	Leisure centres and fire stations	£607,845	£627,845	TBC	TBC
South Yorkshire	Solar	Schools, outdoor covered market and library	£572,025	£615,397	£51,938	£1,558,131
Greater London Authority	Solar	Schools	£607,838	£674,220	£30,376	£911,280
Hull and East Yorkshire	Solar	Service buildings and car parks	£700,000	£1,842,879	£89,822	£2,694,647
Cambridgeshire and Peterborough	Solar	Police headquarters, car park and border canopies	£700,000	£774,226	£51,630	£1,548,886
Greater Manchester	Solar, Battery and EV	Libraries, fire stations, police stations and sports centres	£695,900	£1,301,800	£71,846	£2,155,384
North-East	Solar	Schools	£700,000	£749,946	£46,060	£1,381,806
York and North Yorkshire	Solar	Leisure centres, libraries, schools, transport sites	£700,000	£1,219,948	£134,898	£4,046,936
West Yorkshire	Solar and Battery	Police stations, Arrium plant nursery, primary school, sports centres and Lotherton Hall Estate	£700,000	£1,154,838	£275,669	£8,270,082
Tees Valley Combined Authority	Solar	Solar on roof of depot and public buildings	£444,738	£444,738	£34,664	£1,039,911
Liverpool City Region	Solar	Leisure centres and care homes	£700,000	£760,319	£152,402	£4,572,054
East Midlands	Solar	Former colliery	£700,000	£1,900,000	£113,340	£3,400,200
West Midlands	Solar	Schools	£700,000	£820,000	£58,474	£1,754,207
West of England	Solar	Schools	£700,000	£1,657,522	£54,123	£1,623,697
Total			£9,228,346	£14,543,678	£1,165,241	£34,957,222

Published 17 July 2025

MIL OSI United Kingdom –

July 17, 2025

MIL-OSI Australia: AUSTRAC unveils 2025-26 priorities to crack down on financial crime

Source: Australian Department of Communications

AUSTRAC has released its regulatory priorities for this financial year, outlining new plans to reduce the harms from money laundering, terrorism financing and other serious crime.
AUSTRAC CEO Brendan Thomas said financial crime damages Australia’s financial system and this year’s focus is on preparing to regulate ‘tranche 2’ industries and targeting gaps in high-risk sectors such as cash and digital currencies.

MIL OSI News –

July 17, 2025
MIL-Evening Report: Is our mental health determined by where we live – or is it the other way round? New research sheds more light

Source: The Conversation (Au and NZ) – By Matthew Hobbs, Associate Professor and Transforming Lives Fellow, Spatial Data Science and Planetary Health, Sheffield Hallam University

Photon-Photos/Getty Images

Ever felt like where you live is having an impact on your mental health? Turns out, you’re not imagining things.

Our new analysis of eight years of data from the New Zealand Attitude and Values Study found how often we move and where we live are intertwined with our mental health.

In some respects, this finding might seem obvious. Does a person feel the same living in a walkable and leafy suburb with parks and stable neighbours as they would in a more transient neighbourhood with few local services and busy highways?

Probably not. The built and natural environment shapes how safe, supported and settled a person feels.

We wanted to know to what extent a person’s mental health is shaped by where they live – and to what degree a person’s mental health determines where they end up living.

Patterns over time

Most research on the environmental influences on mental health gives us a snapshot of people’s lives at a single point in time. That’s useful, but it doesn’t show how things change over time or how the past may affect the future.

Our study took a slightly different approach. By tracking the same people year after year, we looked at patterns over time: how their mental health shifted, whether they moved house, their access to positive and negative environmental features, and how the areas they lived in changed when it came to factors such as poverty, unemployment and overcrowding.

We also looked at things like age, body size and how much people exercised, all of which can influence mental health, too.

To make sense of such complex and interconnected data, we turned to modern machine learning tools – in particular Random Forest algorithms. These tools allowed us to build a lot of individual models (trees) looking at how various factors affect mental health.

We could then see which factors come up most often to evaluate both their relative importance and the likely extent of their influence.

We also ran Monte Carlo simulations. Think of these like a high-tech crystal ball, to explore what might happen to mental health over time if neighbourhood conditions improved.

These simulations produced multiple future scenarios with better neighbourhood conditions, used Random Forest to forecast mental health outcomes in each, and then averaged the results.

A negative feedback loop

What we uncovered was a potential negative feedback loop. People who had depression or anxiety were more likely to move house, and those who moved were, on average, more likely to experience worsening mental health later on.

And there’s more. People with persistent mental health issues weren’t just moving more often, they were also more likely to move into a more deprived area. In other words, poorer mental health was related to a higher likelihood of ending up in places where resources were scarcer and the risk of ongoing stress was potentially higher.

Our study was unable to say why the moves occurred, but it may be that mental health challenges were related to unstable housing, financial strain, or the need for a fresh start. Our future research will try to unpick some of this.

On the flip side, people who didn’t relocate as often, especially those in lower-deprivation areas, tended to have better long-term mental health. So, stability matters. So does the neighbourhood.

Where we live matters

These findings challenge the idea that mental health is just about what’s inside us. Where we live plays a key role in shaping how we feel. But it’s not just that our environment affects our minds. Our minds can also steer us into different environments, too.

Our study shows that mental health and place are potentially locked in a feedback loop. One influences the other and the cycle can either support wellbeing or drive decline.

That has real implications for how we support people with mental health challenges.

In this study, if a person was already struggling, they were more likely to move and more likely to end up somewhere that made life harder.

This isn’t just about individual choice. It’s about the systems we’ve built, housing markets, income inequality, access to care and more. If we want better mental health at a population level, we need to think beyond the individual level. We need to think about place.

Because in the end, mental health doesn’t just live in the mind; it’s also rooted in the places we live.

The authors do not work for, consult, own shares in or receive funding from any company or organisation that would benefit from this article, and have disclosed no relevant affiliations beyond their academic appointment.

– ref. Is our mental health determined by where we live – or is it the other way round? New research sheds more light – https://theconversation.com/is-our-mental-health-determined-by-where-we-live-or-is-it-the-other-way-round-new-research-sheds-more-light-260491

MIL OSI Analysis – EveningReport.nz –

July 17, 2025
MIL-OSI USA: Baldwin, Banks Urge Administration to Strengthen Oversight on Buy America Rules in Defense Industry

US Senate News:

Source: United States Senator for Wisconsin Tammy Baldwin
WASHINGTON, D.C. – Today, Senators Tammy Baldwin (D-WI) and Jim Banks (R-IN) called on the Trump Administration to strengthen enforcement and oversight of important defense trade agreements to ensure they support U.S. businesses, workers, and our industrial base. Currently, the Department of Defense has 28 of these trade agreements, known as Reciprocal Defense Procurement agreements, with partner countries like Japan, Germany, and the U.K. These agreements waive both the U.S.’s Buy America requirements and similar laws in partner countries, opening up the opportunity for foreign companies to sell products and services to the Department of Defense. However, a recent Government Accountability Office (GAO) report found that entities within the Department of Defense (DoD) skipped important steps in creating and renewing these agreements, sometimes skirting or undermining important Buy America requirements that are meant to put American businesses and workers first.
“A robust defense industrial base is essential for national security and economic resilience, as it underpins the development, maintenance, and deployment of U.S. military assets. While RDPs can have positive impacts in facilitating integration with our partners and allies and enable positive exchanges, the significant impact of RDP agreements on our domestic industrial base necessitates rigorous scrutiny in their review, approval, and renewal,” wrote the Senators. “With the growing number of RDP agreements, we expect that your Agency Secretaries will thoroughly review and refine the process for entering into and renewing these agreements, ensuring they bolster U.S. industry while fortifying our defense partnerships.”
In the letter, the Senators expressed concerns that RDP agreements have been used to waive “Buy American” requirements that are designed to ensure that taxpayer dollars support American businesses and workers to help bolster the U.S. economy, ensure a skilled domestic workforce, and strengthen our industrial base. Current Department of Defense rules provide a blanket “public interest” waiver of all Buy American requirements for defense materiel from any trading partner with an RDP agreement. Given these waivers, the Senators urged the Trump Administration to ensure that any RDP agreement has thoroughly assessed the implications on American businesses, workers, and the defense industrial base before they are finalized or renewed.
As outlined in the GAO report, the Senators also expressed concerns that the DoD is making these trade agreements without sufficient input from domestic industry. While the Department of Commerce is authorized to initiate a review of existing RDP agreements if they believe they could have adverse impacts on domestic industry, they have never completed such a review, even for RDPs that have been renewed several times. The Senators requested that the International Trade Commission review RDPs, allowing U.S. companies to have clear opportunities to alert the administration when a proposed trade agreement may harm them.
A recent GAO report also reviewed all existing RDP agreements, showing on several occasions the administration failed to properly scrutinize these agreements. According to GAO, since 2018, DoD has skipped important due diligence steps for entering into and renewing RDP agreements. For three agreements, DoD did not solicit U.S. industry input, and for another agreement, DoD did not seek analysis from Commerce, as required by law. The GAO also found that DoD waives Buy America requirements for partner countries even if their RDP agreement has expired. The GAO further found there was insufficient compliance with a 2021 requirement that the Made in America Office review RDP agreements to ensure domestic producers will have equal and proportional access to partner defense markets.
“We must ensure that any RDP agreements undergo rigorous scrutiny with transparent decision-making processes and input from industry stakeholders. The decision to enter or renew such agreements should be guided by strategic imperatives, not expediency. Our domestic industrial base should be able to take priority when that goal clashes with other priorities,” the Senators concluded. “Given the results of the GAO report, we urge the administration to review the RDP agreements process to ensure that such agreements fulfill their intended purpose of supporting U.S. industry and manufacturers while still bolstering our defense relationships with allies and partners.”
A full version of this letter is available here and below.
Dear Mr. President,
We write to raise concerns that shortcomings in the Reciprocal Defense Procurement (RDP) agreements process may be negatively impacting our defense industrial base. A recent Government Accountability Office (GAO) report shows that there needs to be a more robust review process for establishing and renewing RDP agreements, and your America First Trade Policy report similarly identified these agreements as a point of concern. We urge the administration to review and update the RDP agreement process to ensure that such agreements support the U.S. industrial base, to include establishing an interagency review process to oversee such agreements.
A robust defense industrial base is essential for national security and economic resilience, as it underpins the development, maintenance, and deployment of U.S. military assets. While RDPs can have positive impacts in facilitating integration with our partners and allies and enable positive exchanges, the significant impact of RDP agreements on our domestic industrial base necessitates rigorous scrutiny in their review, approval, and renewal. With the growing number of RDP agreements, we expect that your Agency Secretaries will thoroughly review and refine the process for entering into and renewing these agreements, ensuring they bolster U.S. industry while fortifying our defense partnerships.
RDP agreements are trade agreements for direct government procurement negotiated solely by the Department of Defense (DoD) with foreign counterparts, without Congressional ratification. Since first authorized by Congress in 1988, the DoD has entered into 28 RDP agreements and 6 related agreements with both North Atlantic Treaty Organization (NATO) member-states, major non-NATO allies, and other partner countries. Most agreements include automatic extension provisions. We understand that the DoD is currently negotiating new agreements.
We are concerned that RDP agreements have been used to waive or otherwise undermine “Buy American” requirements and similar domestic preferences that are in place to ensure that taxpayer dollars support American businesses and workers by prioritizing domestically produced goods and materiel when federal agencies make procurement decisions. This helps to bolster the U.S. economy, ensure a skilled domestic workforce, and strengthen our industrial base. Current DoD regulations (DFARS 225.872- 1) provide a blanket “public interest” waiver of all Buy American requirements for defense materiel for any foreign supplier from a country with an active reciprocal defense procurement agreement. The RDP agreement process should ensure that the administration has thoroughly assessed the implications on our industrial base before they are finalized or renewed.
We are also concerned that the DoD may be making decisions about RDP agreements without sufficient input from domestic industry. Federal law authorizes the Department of Commerce to initiate an interagency review of existing RDP agreements if Commerce has reason to believe an agreement either has or could have “a significant adverse effect on the international competitive position of the U.S. industry.” To date, Commerce has never completed such a review, even for RDPs that have been renewed several times. The administration can address this shortcoming by ensuring that Commerce and the International Trade Commission review RDPs and that the process includes mechanisms and transparency to allow for domestic industry input. U.S. companies should have clear opportunities to alert the administration when a proposed trade agreement may harm them.
At Congress’ request, the Government Accountability Office (GAO) recently completed a review of all existing RDP agreements, and their findings verify our concerns. According to GAO, since 2018, DoD has skipped important due diligence steps for entering into and renewing RDP agreements. For three agreements, DoD did not solicit U.S. industry input, and for another agreement, DoD did not seek analysis from Commerce, as required by law. Additionally, GAO found that Commerce’s methodology to assess RDP agreements has several weaknesses, including that it does not analyze the impact of RDP agreements on services. In Fiscal Year 2022, services comprised 49 percent of the value of DoD procurement. The GAO also found that DoD waives Buy America requirements for partner countries even if their RDP agreement has expired. The GAO further found there was insufficient compliance with a 2021 requirement that the Made in America Office review RDP agreements to ensure domestic producers will have equal and proportional access to partner defense markets.
We must ensure that any RDP agreements undergo rigorous scrutiny with transparent decision-making processes and input from industry stakeholders. The decision to enter or renew such agreements should be guided by strategic imperatives, not expediency. Our domestic industrial base should be able to take priority when that goal clashes with other priorities.
Given the results of the GAO report, we urge the administration to review the RDP agreements process to ensure that such agreements fulfill their intended purpose of supporting U.S. industry and manufacturers while still bolstering our defense relationships with allies and partners. We encourage you to implement GAO’s recommendations and ensure all RDPs undergo robust interagency review.
Thank you for your attention to this critical matter. We look forward to your response.

MIL OSI USA News –

July 17, 2025
MIL-OSI USA: Capito, Colleagues Advocate for Critical Education Funding

US Senate News:

Source: United States Senator for West Virginia Shelley Moore Capito

WASHINGTON, D.C. – U.S. Senator Shelley Moore Capito (R-W.Va.), chairman of the Senate Appropriations Subcommittee on Labor, Health and Human Services, Education, and Related Agencies (Labor-HHS), led a group of her colleagues in sending a letter to Russell Vought, Director of the White House Office of Management and Budget (OMB), advocating to release anticipated education formula funding—an issue she has heard about directly from impacted individuals.

Specifically, the letter requests that the administration implement the Fiscal Year (FY) 2025 Full-Year Continuing Resolution Act, which President Trump signed into law earlier this year. This legislation contains critical funding that states rely on to help students, families, and local economies.

In addition to Senator Capito, the following senators signed the letter: John Boozman (R-Ark.), Katie Britt (R-Ala.), Susan Collins (R-Maine), Deb Fischer (R-Neb.), John Hoeven (R-N.D.), Jim Justice (R-W.Va.), Mitch McConnell (R-Ky.), Lisa Murkowski (R-Alaska), and Mike Rounds (R-S.D.).

Full text of the letter can be found here or below.

Dear Director Vought,

We write to ask you to faithfully implement the Fiscal Year (FY) 2025 Full-Year Continuing Resolution Act, which President Trump signed into law earlier this year, including the education formula funds that states anticipated receiving on July 1, 2025.

The Continuing Resolution contained funding for Supporting Effective Instruction State Grants; 21st Century Community Learning Centers; Student Support and Academic Enrichment Grants; English Language Acquisition; Migrant Education; Adult Basic and Literacy Education State Grants (including Integrated English Literacy and Civics Education State Grants). Withholding these funds will harm students, families, and local economies.

The decision to withhold this funding is contrary to President Trump’s goal of returning K-12 education to the states. This funding goes directly to states and local school districts, where local leaders decide how this funding is spent, because as we know, local communities know how to best serve students and families. Withholding this funding denies states and communities the opportunity to pursue localized initiatives to support students and their families.

We share your concern about taxpayer money going to fund radical left-wing programs. However, we do not believe that is happening with these funds. These funds go to support programs that enjoy longstanding, bipartisan support like after-school and summer programs that provide learning and enrichment opportunities for school aged children which also enables their parents to work and contribute to local economies.

These funds also go to support adult learners. These students are often adults seeking second chances for a myriad of reasons, for example, caregiving responsibilities or financial challenges. These are adult learners working to gain employment skills, earn workforce certifications, or transition into postsecondary education. We should be making educational opportunities easier for these students, not harder.

We welcome the opportunity to work with you and Secretary McMahon to ensure that all federal education funding goes towards programs that help states and school districts provide students an excellent education. We want to see students in our states and across the country thrive, whether they are adult learners, students who speak English as a second language, or students who need after-school care so that their parents can work. We believe you share the same goal.

We encourage you to reverse your decision and release this Congressionally-approved funding to states.

Thank you for your attention to this request, and we look forward to your prompt reply.

Sincerely,

MIL OSI USA News –

July 17, 2025

MIL-OSI: Great Southern Bancorp, Inc. Reports Preliminary Second Quarter Earnings of $1.72 Per Diluted Common Share

Source: GlobeNewswire (MIL-OSI)

SPRINGFIELD, Mo., July 16, 2025 (GLOBE NEWSWIRE) — Great Southern Bancorp, Inc. (the “Company”) (NASDAQ:GSBC), the holding company for Great Southern Bank (the “Bank”), today reported that preliminary earnings for the three months ended June 30, 2025, were $1.72 per diluted common share ($19.8 million net income) compared to $1.45 per diluted common share ($17.0 million net income) for the three months ended June 30, 2024.

For the quarter ended June 30, 2025, annualized return on average common equity was 12.81%, annualized return on average assets was 1.34%, and annualized net interest margin was 3.68%, compared to 12.03%, 1.17% and 3.43%, respectively, for the quarter ended June 30, 2024.

Second Quarter 2025 Key Results:

Net Interest Income: Net interest income for the second quarter of 2025 increased $4.2 million (or approximately 8.9%) to $51.0 million compared to $46.8 million for the second quarter of 2024, largely driven by lower interest expense on deposit accounts and other borrowings. Annualized net interest margin was 3.68% for the quarter ended June 30, 2025, compared to 3.43% for the quarter ended June 30, 2024, and 3.57% for the quarter ended March 31, 2025. During the quarter ended June 30, 2025, the Company recorded $434,000 of interest income related to recoveries on non-accrual loans and other cash-basis assets, positively affecting net interest income and net interest margin.
Asset Quality: Non-performing assets and potential problem loans totaled $15.3 million at June 30, 2025, a decrease of $1.3 million from $16.6 million at December 31, 2024. At June 30, 2025, non-performing assets were $8.1 million (0.14% of total assets), a decrease of $1.5 million from $9.6 million (0.16% of total assets) at December 31, 2024.
Liquidity: The Company had secured borrowing line availability at the FHLBank and Federal Reserve Bank of $1.22 billion and $338.9 million, respectively, at June 30, 2025. In addition, at June 30, 2025, the Company had unpledged securities with a market value totaling $349.3 million, which could be pledged as collateral for additional borrowing capacity at either the FHLBank or Federal Reserve Bank.
Capital: The Company’s capital position remained strong as of June 30, 2025, significantly exceeding the thresholds established by regulators. On a preliminary basis, as of June 30, 2025, the Company’s Tier 1 Leverage Ratio was 11.5%, Common Equity Tier 1 Capital Ratio was 13.0%, Tier 1 Capital Ratio was 13.5%, and Total Capital Ratio was 14.7%. The Company’s tangible common equity to tangible assets ratio was 10.5% at June 30, 2025. In June 2025, the Company redeemed at par all of its outstanding subordinated notes, which had an aggregate principal amount of $75.0 million.
Significant Item Impacting Non-Interest Income: In the quarter ended June 30, 2025, the Company recorded income of $1.1 million related to exits from, and other activities of, its investments in tax credit partnerships. This was an unusually large amount for the Company, but this type of income occurs from time to time. We cannot, however, anticipate the amount or timing of this income with certainty.

Selected Financial Data:

	Three Months Ended
		June 30,			June 30,		March 31,
		2025			2024			2025
		(Dollars in thousands, except per share data)

Net interest income	$	50,963		$	46,818		$	49,334
Provision (credit) for credit losses on loans and unfunded commitments		(110	)		(607	)		(348	)
Non-interest income		8,212			9,833			6,590
Non-interest expense		35,005			36,409			34,822
Provision for income taxes		4,494			3,861			4,290

Net income	$	19,786		$	16,988		$	17,160

Earnings per diluted common share	$	1.72		$	1.45		$	1.47

Joseph W. Turner, President and CEO of Great Southern, commented, “The second quarter was marked by continued execution of our strategy to maintain core banking fundamentals, drive earnings, and improve tangible book value per share. Our core credit and operating metrics remained sound, with solid quarterly profitability driven by steady margins, ongoing disciplined expense control, and continued strong credit quality. We reported net income of $19.8 million, or $1.72 per diluted common share, for the second quarter of 2025, compared to $17.0 million, or $1.45 per diluted common share, in the same period last year. The increase in net income compared to the prior year quarter reflects strong growth in net interest income, which rose $4.2 million, or 8.9%, largely due to lower interest expense on deposit accounts and borrowings. The second quarter of 2025 and 2024 each had significant unusual or non-recurring items included in non-interest income, which are noted elsewhere in this earnings release. Non-interest expense also decreased from the year-ago quarter due to significant legal and professional fees recorded in 2024.”

Turner noted, “Despite lingering external economic pressures, our core operations continued to perform well. Total interest income for the second quarter of 2025 was $81.0 million, reflecting stable yields on loans and investment securities. Net interest income for the quarter increased to $51.0 million, supported by our continued disciplined asset-liability management and lower deposit interest costs, despite competitive pressures. We also saw stability in our core non-time deposit balances, reflecting the strength of customer relationships and the enduring value of our franchise.”

Turner added, “Our balance sheet remains well positioned, with total assets of approximately $5.85 billion at June 30, 2025, and a loan portfolio that reflects a balanced approach to growth and risk management, as we serve our constituent markets. We emphasize prudent lending practices through our relationship-based lending resulting in strong credit quality. Given our emphasis on balancing loan growth with appropriate pricing and loan structure, we saw a $156 million net loan reduction in the quarter, which included a $30 million loan payoff at the end of the quarter. Large loan payoffs tend to fluctuate, but we did experience a higher level of such payoffs in the second quarter of 2025. Our allowance for credit losses stood at $64.8 million at June 30, 2025, representing 1.41% of total loans. Our non-performing assets decreased $1.5 million from both March 31, 2025, and December 31, 2024, to $8.1 million, or 0.14% of total assets, highlighting our prudent underwriting standards and ongoing credit monitoring.”

Turner further noted, “On the expense side, we remain focused on operating discipline. Non-interest expense totaled $35.0 million for the second quarter of 2025, an improvement of $1.4 million from the prior-year second quarter, with reductions in legal and professional fees and expense on other real estate owned, partially offset by modest increases in technology investments. Non-interest income totaled $8.2 million for the second quarter of 2025, which did include some significant unusual income as we’ve noted.”

Turner continued, “As we look ahead, our priorities remain consistent: control costs, safeguard credit quality, and optimize our funding mix to enable continued growth and long-term financial stability. At June 30, 2025, our capital and liquidity positions were solid, with a tangible common equity ratio of 10.5% and approximately $2.2 billion of secured available lines and on-balance sheet liquid assets, providing us with the capital and liquidity we need to support customers, pursue strategic growth opportunities, and continue returning value to shareholders through dividends and share repurchases. In the second quarter of 2025 we repurchased nearly 176,000 shares of our common stock. In June 2025, we redeemed all of the Company’s outstanding 5.50% fixed-to-floating rate subordinated notes, with an aggregate principal balance of $75 million, in advance of a step up in rate, thereby avoiding a significant increase in interest cost.”

“Great Southern’s second-quarter 2025 results demonstrate the strength and consistency of our business model and our ability to deliver sustainable returns, supported by strong customer relationships and disciplined management. Our focus on long-term value creation is steadfast as our team works daily to meet the needs of our customers, communities and shareholders,” Turner concluded.

NET INTEREST INCOME

	Three Months Ended
		June 30,			June 30,		March 31,
		2025			2024		2025
		(Dollars in thousands)
Interest Income	$	80,975		$	80,927		$	80,243
Interest Expense		30,012			34,109			30,909

Net Interest Income	$	50,963		$	46,818		$	49,334

Net interest margin		3.68	%		3.43	%		3.57	%
Average interest-earning assets to average interest-bearing liabilities		126.9	%		126.7	%		125.5	%

Net interest income for the second quarter of 2025 increased $4.2 million to $51.0 million, compared to $46.8 million for the second quarter of 2024. This increase in net interest income was driven primarily by higher investment interest income and improved overall yields, as well as the strategic management of maturing/repricing brokered deposits and interest-bearing demand deposits to reduce interest expense. Net interest margin was 3.68% in the second quarter of 2025, compared to 3.43% in the same period of 2024 and 3.57% in the first quarter of 2025. Compared to the 2024 second quarter, the average yield on loans decreased 11 basis points, the average yield on investment securities increased 27 basis points and the average yield on other interest earning assets decreased 101 basis points. The average rate paid on interest-bearing demand and savings deposits, time deposits and brokered deposits decreased 36 basis points, 63 basis points and 74 basis points, respectively, in the three months ended June 30, 2025 compared to the three months ended June 30, 2024. The average interest rate spread was 3.09% for the three months ended June 30, 2025, compared to 2.77% for the three months ended June 30, 2024 and 3.00% for the three months ended March 31, 2025.

Net interest margin was positively impacted by the receipt of interest income which had not been accrued for, as outlined above, under “Second Quarter 2025 Key Results – Net Interest Income.” This additional interest income contributed three basis points to net interest margin in the second quarter of 2025. While we currently believe that interest income recoveries such as this may occur in future periods, we cannot anticipate the amount or timing of this income with certainty.

The average rate paid on total interest-bearing liabilities decreased from 3.17% in the 2024 second quarter to 2.75% in the 2025 second quarter. The average rates paid on deposits and borrowings decreased compared to the prior-year second quarter as market interest rates, primarily the federal funds rate and SOFR rates, declined in the fourth quarter of 2024. Yields on the Company’s portfolio of investment securities increased compared to the prior-year second quarter due to higher-yielding securities purchased in the second quarter of 2024. While market interest rates decreased compared to the second quarter of 2024, the average yield on loans only decreased slightly as cash flows from lower-rate fixed rate loans were redeployed into loans with comparably higher rates of interest.

To mitigate exposure to the risk of fluctuations in future cash flows resulting from changes in interest rates (primarily related to falling interest rates), the Company has, from time to time, strategically utilized derivative financial instruments, primarily interest rate swaps, as part of its interest rate risk management strategy.

The following table presents, for the periods indicated, the effect of cash flow hedge accounting included in interest income in the consolidated statements of income:

	Three Months Ended
		June 30,			June 30,		March 31,
		2025			2024		2025
		(In thousands)
Terminated interest rate swaps	$	2,025		$	2,025		$	2,003
Active interest rate swaps		(1,757	)		(2,769	)		(1,742	)

Increase (decrease) to interest income	$	268		$	(744	)	$	261

The Company entered into an interest rate swap in October 2018, which was terminated in March 2020. Upon termination, the Company received $45.9 million, inclusive of accrued but unpaid interest, from its swap counterparty. The net amount, after deducting accrued interest and deferred income taxes, is being accreted to interest income on loans monthly until the originally scheduled termination date of October 6, 2025. After this date, the Company will no longer have the benefit of that income from the terminated swap. The Company anticipates recording approximately $2.0 million in interest income from the terminated swap in the third quarter of 2025, after which no further interest income will be realized.

The Company’s net interest income in the second quarter of 2025 increased 8.9% compared to net interest income in the second quarter of 2024. The cost of deposits has been negatively impacted over several quarters by the high level of competition for deposits across the industry and the lingering effects of liquidity events at several banks in March and April 2023. After the second quarter of 2023, the Company had a significant amount of time deposits maturing at relatively low interest rates. These deposits were either renewed at higher rates or withdrawn, requiring the Company to replace the withdrawn deposits with other funding sources at then-current market rates. Market rates for time deposits for much of 2024 remained elevated, but have declined as the FOMC cut the federal funds rate by 100 basis points in late 2024 and signaled that further rate cuts may occur in late 2025. As of June 30, 2025, time deposit maturities over the next 12 months were as follows: within three months — $696 million, with a weighted-average rate of 3.93%; within three to six months — $460 million, with a weighted-average rate of 3.83%; and within six to twelve months — $124 million, with a weighted-average rate of 3.37%. Based on time deposit market rates in June 2025, replacement rates for these maturing time deposits are likely to be approximately 3.35-3.85%.

NON-INTEREST INCOME

For the quarter ended June 30, 2025, non-interest income decreased $1.6 million to $8.2 million when compared to the quarter ended June 30, 2024, primarily as a result of the following items:

Other income: Other income decreased $1.6 million compared to the prior-year quarter. In the second quarter of 2024, the Company recorded $2.7 million of other income, net of expenses and write-offs, related to the termination of the master agreement between the Company and a third-party software vendor for the intended conversion of the Company’s core banking platform. Separately, in the quarter ended June 30, 2025, the Company recorded income of $1.1 million related to exits from, and other activities of, its investments in tax credit partnerships.
Net gains on loan sales: Net gains on loan sales decreased $234,000 compared to the prior-year quarter. The decrease was due to a decrease in balance of fixed-rate single-family mortgage loans originated and sold during the 2025 period compared to the 2024 period. Fixed rate single-family mortgage loans originated are generally subsequently sold in the secondary market.
Late charges and fees on loans: Late charges and fees on loans increased $204,000 compared to the prior-year quarter. This increase was primarily due to prepayment fees on one large commercial real estate loan, which paid off in the 2025 quarter.

NON-INTEREST EXPENSE

For the quarter ended June 30, 2025, non-interest expense decreased $1.4 million to $35.0 million when compared to the quarter ended June 30, 2024, primarily as a result of the following items:

Legal, audit and other professional fees: Legal, audit and other professional fees decreased $935,000, or 50.2%, from the prior-year quarter, to $929,000. In the quarter ended June 30, 2024, the Company expensed a total of $902,000 related to training and implementation costs for the intended core systems conversion and professional fees to consultants engaged to support the Company’s proposed transition of core and ancillary software and information technology systems, compared to $46,000 in costs expensed in the quarter ended June 30, 2025.
Expense on other real estate owned: Expenses on other real estate owned decreased $453,000, or 158.9%, from the prior-year quarter. In the quarter ended June 30, 2025, the Company collected a total of $445,000 in rental income from other real estate owned, compared to $24,000 collected for the quarter ended June 30, 2024. The 2025 period included rental income from the $6.0 million office building asset that was added to other real estate owned in the fourth quarter of 2024. See “Asset Quality” below.
Other operating expenses: Other operating expenses decreased $444,000, or 17.3%, from the prior-year quarter. In the 2024 period, the Company recorded expenses totaling $600,000 related to the resolution of compliance matters, with no similar expenses recorded in the current-year quarter.
Net occupancy and equipment expenses: Net occupancy and equipment expenses increased $594,000, or 7.6%, from the prior-year quarter. Various components of computer license and support expenses related to upgrades of core systems capabilities collectively increased by $502,000 in the second quarter of 2025 compared to the second quarter of 2024.

The Company’s efficiency ratio for the quarter ended June 30, 2025, was 59.16% compared to 64.27% for the same quarter in 2024. The Company’s ratio of non-interest expense to average assets was 2.37% for the three months ended June 30, 2025, compared to 2.50% for the three months ended June 30, 2024. Average assets for the three months ended June 30, 2025, increased $86.0 million, or 1.5%, compared to the three months ended June 30, 2024, primarily due to growth in average balances of net loans and investment securities.

INCOME TAXES

For each of the three months ended June 30, 2025 and 2024, the Company’s effective tax rate was 18.5%. For the six months ended June 30, 2025 and 2024, the Company’s effective tax rate was 19.2% and 18.8%, respectively. These effective rates were below the statutory federal tax rate of 21%, due primarily to the utilization of certain investment tax credits and the Company’s tax-exempt investments and tax-exempt loans, which reduced the Company’s effective tax rate. The Company’s effective tax rate may fluctuate in future periods as it is impacted by the level and timing of the Company’s utilization of tax credits, the level of tax-exempt investments and loans, the amount of taxable income in various state jurisdictions and the overall level of pre-tax income. State tax expense estimates continually evolve as taxable income and apportionment between states are analyzed. The Company currently expects its effective tax rate (combined federal and state) will be approximately 18.0% to 20.0% in future periods.

CAPITAL

	June 30,		December 31,		March 31,
	2025		2024		2025
Consolidated Regulatory Capital Ratios	(Preliminary)
Tier 1 Leverage Ratio	11.5	%	11.4	%	11.3	%
Common Equity Tier 1 Capital Ratio	13.0	%	12.3	%	12.4	%
Tier 1 Capital Ratio	13.5	%	12.8	%	12.9	%
Total Capital Ratio	14.7	%	15.4	%	15.6	%
Tangible Common Equity Ratio	10.5	%	9.9	%	10.1	%

As of June 30, 2025, total stockholders’ equity was $622.4 million, representing 10.6% of total assets and a book value of $54.61 per common share. This compares to total stockholders’ equity of $599.6 million, or 10.0% of total assets, and a book value of $51.14 per common share at December 31, 2024. The $22.8 million increase in stockholders’ equity from December 31, 2024, was primarily driven by $36.9 million in net income and a $2.0 million increase from stock option exercises, partially offset by $9.2 million in cash dividends declared on the Company’s common stock and $20.0 million in common stock repurchases.

Decreased unrealized losses on the Company’s available-for-sale investment securities and interest rate swaps, which totaled $54.4 million (net of taxes) at December 31, 2024, also increased stockholders’ equity by $13.0 million during the first six months of 2025. These net unrealized losses primarily resulted from increased intermediate-term market interest rates in prior periods, which generally decreased the fair value of the investment securities and interest rate swaps. In the first six months of 2025, these market interest rates decreased, resulting in increases in the fair value of the Company’s investment securities and interest rate swaps.

The Company had unrealized losses on its portfolio of held-to-maturity investment securities, which totaled $19.3 million and $24.7 million at June 30, 2025 and December 31, 2024, respectively, that were not included in its total capital balance. If held-to-maturity unrealized losses were included in capital (net of taxes) at June 30, 2025, they would have decreased total stockholder’s equity at that date by $14.6 million. This amount was equal to 2.3% of total stockholders’ equity of $622.4 million at June 30, 2025, compared to 3.1% of total stockholders’ equity at December 31, 2024.

On June 15, 2025, the Company redeemed all of its outstanding 5.50% fixed-to-floating rate subordinated notes due June 15, 2030, with an aggregate principal balance of $75 million. The total redemption price was 100% of the aggregate principal balance of the subordinated notes plus accrued and unpaid interest. The Company utilized excess cash on hand for the redemption payment.

In November 2022, the Company’s Board of Directors authorized the purchase of up to one million shares of the Company’s common stock. As of June 30, 2025, approximately 94,000 shares remained available under this stock repurchase authorization.

In April 2025, the Company’s Board of Directors approved a new stock repurchase program, which will succeed the existing repurchase program (authorized in November 2022) following the repurchase of the existing program’s remaining available shares. The new stock repurchase program authorizes the purchase, from time to time, of up to one million additional shares of the Company’s common stock.

During the three months ended June 30, 2025, the Company repurchased 175,998 shares of its common stock at an average price of $55.11, and the Company’s Board of Directors declared a regular quarterly cash dividend of $0.40 per common share, which, combined, reduced stockholders’ equity by $14.4 million.

During the six months ended June 30, 2025, the Company repurchased 349,342 shares of its common stock at an average price of $56.73, and the Company’s Board of Directors declared regular quarterly cash dividends totaling $0.80 per common share, which, combined, reduced stockholders’ equity by $29.2 million.

LIQUIDITY AND DEPOSITS

Liquidity is a measure of the Company’s ability to generate sufficient cash to meet present and future financial obligations in a timely manner. The Company’s primary sources of funds are customer deposits, FHLBank advances, other borrowings, loan repayments, unpledged securities, proceeds from sales of loans and available-for-sale securities and funds provided from operations. The Company utilizes some or all of these sources of funds depending on the comparative costs and availability at the time. The Company has from time to time chosen not to pay rates on deposits as high as the rates paid by certain of its competitors and, when believed to be appropriate, supplements deposits with less expensive alternative sources of funds. Management believes that the Company maintains overall liquidity sufficient to satisfy its depositors’ requirements and meet its borrowers’ credit needs.

At June 30, 2025, the Company had the following available secured lines and on-balance sheet liquidity:

	June 30, 2025
Federal Home Loan Bank line		$1,216.1 million
Federal Reserve Bank line		338.9 million
Cash and cash equivalents		245.9 million
Unpledged securities – Available-for-sale		325.3 million
Unpledged securities – Held-to-maturity		24.0 million

During the six months ended June 30, 2025, the Company’s total deposits increased $78.6 million. Interest-bearing checking balances increased $18.5 million (0.8%), primarily in certain money market accounts, and non-interest-bearing checking balances increased $17.0 million (2.0%). Time deposits generated through the Company’s banking center and corporate services networks decreased $18.1 million (2.3%). Brokered deposits increased $61.2 million (7.9%) through a variety of sources. During the three months ended June 30, 2025, the Company’s total deposits decreased $73.9 million, with $62.1 million of this decrease in brokered deposits.

At June 30, 2025, the Company had the following deposit balances:

	June 30, 2025
Interest-bearing checking		$2,233.2 million
Non-interest-bearing checking		859.9 million
Time deposits		757.7 million
Brokered deposits		833.3 million

At June 30, 2025, the Company estimated that its uninsured deposits, excluding deposit accounts of the Company’s consolidated subsidiaries, were approximately $703.6 million (15% of total deposits).

LOANS

Total net loans, excluding mortgage loans held for sale, decreased $156.1 million, or 3.3%, from $4.69 billion at December 31, 2024 to $4.53 billion at June 30, 2025. This decrease was primarily driven by decreases in construction loans of $79.1 million, commercial real estate loans of $56.1 million, one- to four-family residential loans of $23.0 million and commercial business loans of $25.2 million, partially offset by an increase in other residential (multi-family) loans of $28.7 million. Compared to March 31, 2025, net loans decreased $156.4 million.

The pipeline of the unfunded portion of loans and formal loan commitments remained strong, with the largest portion of these unfunded balances represented by the unfunded portion of outstanding construction loans ($626.0 million at June 30, 2025). See the table below.

For additional details about the Company’s loan portfolio, please refer to the quarterly loan portfolio presentation available on the Company’s Investor Relations website under “Presentations.”

Loan commitments and the unfunded portion of loans at the dates indicated were as follows (in thousands):

		June 30, 2025		March 31, 2025		December 31, 2024		December 31, 2023		December 31, 2022
Closed non-construction loans with unused available lines
Secured by real estate (one- to four-family)	$	211,453	$	211,119	$	205,599	$	203,964	$	199,182
Secured by real estate (not one- to four-family)		—		—		—		—		—
Not secured by real estate – commercial business		102,891		106,211		106,621		82,435		104,452

Closed construction loans with unused available lines
Secured by real estate (one-to four-family)		96,935		96,807		94,501		101,545		100,669
Secured by real estate (not one-to four-family)		644,427		657,828		703,947		719,039		1,444,450

Loan commitments not closed
Secured by real estate (one-to four-family)		17,148		19,264		14,373		12,347		16,819
Secured by real estate (not one-to four-family)		13,002		50,296		53,660		48,153		157,645
Not secured by real estate – commercial business		27,003		18,484		22,884		11,763		50,145

	$	1,112,859	$	1,160,009	$	1,201,585	$	1,179,246	$	2,073,362

PROVISION FOR CREDIT LOSSES AND ALLOWANCE FOR CREDIT LOSSES

During the three months ended June 30, 2025 and 2024, the Company did not record a provision expense on its portfolio of outstanding loans. During the six months ended June 30, 2025, the Company did not record a provision expense on its portfolio of outstanding loans, compared to a provision expense of $500,000 in the same period in 2024. Total net recoveries were $111,000 for the three months ended June 30, 2025, compared to net recoveries of $168,000 during the same period in the prior year. Total net recoveries were $55,000 for the six months ended June 30, 2025, compared to net recoveries of $85,000 during the same period in the prior year. Additionally, for the quarter ended June 30, 2025, the Company recorded a negative provision for losses on unfunded commitments of $110,000, compared to a negative provision of $607,000 for the same period in 2024. For the six months ended June 30, 2025, the Company recorded a negative provision for losses on unfunded commitments of $458,000, compared to a negative provision of $477,000 for the same period in 2024.

The Bank’s allowance for credit losses as a percentage of total loans was 1.41% at June 30, 2025, an increase from 1.36% at both December 31, 2024 and March 31, 2025. Management considers the allowance for credit losses adequate to cover losses inherent in the Bank’s loan portfolio at June 30, 2025, based on recent reviews of the portfolio and current economic conditions. However, if challenging economic conditions persist or worsen, or if management’s assessment of the loan portfolio changes, additional provisions for credit losses may be required, which could adversely impact the Company’s future financial performance.

ASSET QUALITY

At June 30, 2025, non-performing assets were $8.1 million, a decrease of $1.5 million from $9.6 million at December 31, 2024 and a decrease of $1.4 million from $9.5 million at March 31, 2025. Non-performing assets as a percentage of total assets were 0.14% at June 30, 2025, compared to 0.16% at both December 31, 2024 and March 31, 2025.

Activity in the non-performing loan categories during the quarter ended June 30, 2025, was as follows:

		Beginning Balance, April 1		Additions to Non- Performing		Removed from Non- Performing		Transfers to Potential Problem Loans		Transfers to Foreclosed Assets and Repossessions		Charge- Offs		Payments			Ending Balance, June 30
		(In thousands)

One- to four-family construction	$	—	$	—	$	—	$	—	$	—	$	—	$	—		$	—
Subdivision construction		—		—		—		—		—		—		—			—
Land development		368		—		—		—		—		—		(368	)		—
Commercial construction		—		—		—		—		—		—		—			—
One- to four-family residential		3,076		154		—		—		—		—		(1,204	)		2,026
Other residential (multi-family)		—		—		—		—		—		—		—			—
Commercial real estate		—		—		—		—		—		—		—			—
Commercial business		—		—		—		—		—		—		—			—
Consumer		38		7		—		—		—		—		(27	)		18
Total non-performing loans	$	3,482	$	161	$	—	$	—	$	—	$	—	$	(1,599	)	$	2,044

Compared to March 31, 2025, non-performing loans decreased $1.4 million.
The non-performing one- to four-family residential category consisted of eight loans at June 30, 2025, one of which was added during the current quarter.
The largest relationship in the one- to four-family residential category totaled $614,000 at June 30, 2025. This relationship was added to non-performing loans in 2024 and is collateralized by a single-family residential property in the Sarasota, Fla. area.
During the quarter ended June 30, 2025, one- to four-family residential loans experienced one loan pay-off totaling $884,000 and another related loan had a principal pay-down totaling $296,000. Additionally, the only loan in the non-performing land development category at the beginning of the quarter paid off.

Activity in the potential problem loans categories during the quarter ended June 30, 2025, was as follows:

		Beginning Balance, April 1		Additions to Potential Problem		Removed from Potential Problem			Transfers to Non- Performing		Transfers to Foreclosed Assets and Repossessions			Charge- Offs			Loan Advances (Payments)			Ending Balance, June 30
		(In thousands)

One- to four-family construction	$	—	$	—	$	—		$	—	$	—		$	—		$	—		$	—
Subdivision construction		—		—		—			—		—			—			—			—
Land development		—		—		—			—		—			—			—			—
Commercial construction		—		—		—			—		—			—			—			—
One- to four-family residential		2,128		34		(307	)		—		—			—			(16	)		1,839
Other residential (multi-family)		—		—		—			—		—			—			—			—
Commercial real estate		4,313		—		—			—		—			—			(16	)		4,297
Commercial business		—		33		—			—		—			—			—			33
Consumer		1,011		50		—			—		(2	)		(11	)		(11	)		1,037
Total potential problem loans	$	7,452	$	117	$	(307	)	$	—	$	(2	)	$	(11	)	$	(43	)	$	7,206

Compared to March 31, 2025, potential problem loans decreased $246,000.
At June 30, 2025, the commercial real estate category consisted of three loans, all of which are part of one relationship and were added in 2024.
The commercial real estate relationship is collateralized by three nursing care facilities located in southwest Missouri. The borrower’s business cash flow was negatively impacted by a reduction in available labor and increased operating costs as well as ongoing changes to the Missouri Medicaid reimbursement rate. Monthly payments were timely made prior to the transfer to this category and have continued to be paid timely.
At June 30, 2025, the one- to four-family residential category consisted of ten loans, one of which was added to potential problem loans during the current quarter.
The largest relationship in the one- to four-family category, which was reclassified from the consumer category during the first quarter of 2025, totaled $963,000 and is collateralized by multiple single-family residential properties in Indiana and Florida.
At June 30, 2025, the consumer category of potential problem loans consisted of 14 loans, two of which were added during the current quarter.
The largest loan in the consumer category is a home equity loan totaling $784,000 related to the nursing care facility relationship, noted above.

Activity in the foreclosed assets and repossessions categories during the quarter ended June 30, 2025 was as follows:

		Beginning Balance, April 1		Additions		ORE and Repossession Sales			Capitalized Costs		ORE and Repossession Write-Downs		Ending Balance, June 30
		(In thousands)

One-to four-family construction	$	—	$	—	$	—		$	—	$	—	$	—
Subdivision construction		—		—		—			—		—		—
Land development		—		—		—			—		—		—
Commercial construction		—		—		—			—		—		—
One- to four-family residential		—		—		—			—		—		—
Other residential (multi-family)		—		—		—			—		—		—
Commercial real estate		6,036		—		—			—		—		6,036
Commercial business		—		—		—			—		—		—
Consumer		—		6		(2	)		—		—		4
Total foreclosed assets and repossessions	$	6,036	$	6	$	(2	)	$	—	$	—	$	6,040

Compared to March 31, 2025, foreclosed assets increased $4,000.
The commercial real estate category consisted of two foreclosed properties, one of which, totaling $76,000, was added during the first quarter of 2025.
The largest asset in the commercial real estate category, totaling $6.0 million, consisted of an office building located in Clayton, Mo. This asset was foreclosed upon in the fourth quarter of 2024.

BUSINESS INITIATIVES

Technology updates and advancements continue with the Company’s current core provider. Projects involving a full array of products and services are moving forward, with completions expected beginning in the third quarter of 2025 and continuing into 2026.

The Company installed 10 ITM units in the St. Louis, Mo. market, replacing existing end-of-life ATM units. The ITMs, all located at banking center locations, offer customers live teller services, extended banking hours, and services beyond those traditionally available via an ATM.

Construction of the Company’s new banking center at 723 N. Benton in Springfield, Mo., to replace the existing facility at that location, began in March 2025 and is on schedule for completion in the fourth quarter of 2025. The new facility, designed as a next-generation banking center, will allow for flexibility in testing new designs, processes, technology and tools, balanced with customer convenience. The Company has 11 other banking centers and an Express Center in Springfield.

Earnings Conference Call

The Company will host a conference call on Thursday, July 17, 2025, at 2:00 p.m. Central Time to discuss second quarter 2025 preliminary earnings. The call will be available live or in a recorded version at the Company’s Investor Relations website, http://investors.greatsouthernbank.com. Participants may register for the call at https://register-conf.media-server.com/register/BI5023532982f44a44b03e6e16deb1e937.

About Great Southern Bancorp, Inc.

Headquartered in Springfield, Missouri, Great Southern offers a broad range of banking services to customers. The Company operates 89 retail banking centers in Missouri, Iowa, Kansas, Minnesota, Arkansas and Nebraska and commercial lending offices in Atlanta, Charlotte, Chicago, Dallas, Denver, Omaha, and Phoenix. The common stock of Great Southern Bancorp, Inc. is listed on the Nasdaq Global Select Market under the symbol “GSBC.”

www.GreatSouthernBank.com

Forward-Looking Statements

When used in this press release and in other documents filed or furnished by the Company with or to the Securities and Exchange Commission (the “SEC”), in the Company’s other press releases or other public or stockholder communications, and in oral statements made with the approval of an authorized executive officer, the words or phrases “may,” “might,” “could,” “should,” “will likely result,” “are expected to,” “will continue,” “is anticipated,” “believe,” “estimate,” “project,” “intends” or similar expressions are intended to identify “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements also include, but are not limited to, statements regarding plans, objectives, expectations or consequences of announced transactions, known trends and statements about future performance, operations, products and services of the Company. The Company’s ability to predict results or the actual effects of future plans or strategies is inherently uncertain, and the Company’s actual results could differ materially from those contained in the forward-looking statements.

Factors that could cause or contribute to such differences include, but are not limited to: (i) expected revenues, cost savings, earnings accretion, synergies and other benefits from the Company’s merger and acquisition activities might not be realized within the anticipated time frames or at all, and costs or difficulties relating to integration matters, including but not limited to customer and employee retention, might be greater than expected; (ii) changes in economic conditions, either nationally or in the Company’s market areas; (iii) the effects of any new or continuing public health issues on general economic and financial market conditions; (iv) fluctuations in interest rates, the effects of inflation or a potential recession, whether caused by Federal Reserve actions or otherwise; (v) the impact of bank failures or adverse developments at other banks and related negative press about the banking industry in general on investor and depositor sentiment; (vi) slower or negative economic growth caused by tariffs, changes in energy prices, supply chain disruptions or other factors; (vii) the risks of lending and investing activities, including changes in the level and direction of loan delinquencies and write-offs and changes in estimates of the adequacy of the allowance for credit losses; (viii) the possibility of realized or unrealized losses on securities held in the Company’s investment portfolio; (ix) the Company’s ability to access cost-effective funding and maintain sufficient liquidity; (x) fluctuations in real estate values and both residential and commercial real estate market conditions; (xi) the ability to adapt successfully to technological changes to meet customers’ needs and developments in the marketplace; (xii) the possibility that security measures implemented might not be sufficient to mitigate the risk of a cyber-attack or cyber theft, and that such security measures might not protect against systems failures or interruptions; (xiii) legislative or regulatory changes that adversely affect the Company’s business; (xiv) changes in accounting policies and practices or accounting standards; (xv) results of examinations of the Company and the Bank by their regulators, including the possibility that the regulators may, among other things, require the Company to limit its business activities, change its business mix, increase its allowance for credit losses, write-down assets or increase its capital levels, or affect its ability to borrow funds or maintain or increase deposits, which could adversely affect its liquidity and earnings; (xvi) costs and effects of litigation, including settlements and judgments; (xvii) competition; and (xviii) natural disasters, war, terrorist activities or civil unrest and their effects on economic and business environments in which the Company operates. The Company wishes to advise readers that the factors listed above and other risks described in the Company’s most recent Annual Report on Form 10-K, including, without limitation, those described under “Item 1A. Risk Factors,” subsequent Quarterly Reports on Form 10-Q and other documents filed or furnished from time to time by the Company with the SEC (which are available on our website at www.greatsouthernbank.com and the SEC’s website at www.sec.gov), could affect the Company’s financial performance and cause the Company’s actual results for future periods to differ materially from any opinions or statements expressed with respect to future periods in any current statements.

The Company does not undertake-and specifically declines any obligation- to publicly release the result of any revisions which may be made to any forward-looking statements to reflect events or circumstances after the date of such statements or to reflect the occurrence of anticipated or unanticipated events.

The following tables set forth selected consolidated financial information of the Company at the dates and for the periods indicated. Financial data at all dates other than December 31, 2024, and for all periods is unaudited. In the opinion of management, all adjustments, which consist only of normal recurring accrual adjustments, necessary for a fair presentation of the results at and for such unaudited dates and periods have been included. The results of operations and other data for the three and six months ended June 30, 2025 and 2024, and the three months ended March 31, 2025, are not necessarily indicative of the results of operations which may be expected for any future period.

		June 30,		December 31,
		2025		2024
Selected Financial Condition Data:		(In thousands)

Total assets	$	5,854,672	$	5,981,628
Loans receivable, gross		4,604,943		4,761,848
Allowance for credit losses		64,815		64,760
Other real estate owned, net		6,040		5,993
Available-for-sale securities, at fair value		527,543		533,373
Held-to-maturity securities, at amortized cost		183,100		187,433
Deposits		4,684,126		4,605,549
Total borrowings		450,483		679,341
Total stockholders’ equity		622,368		599,568
Non-performing assets		8,084		9,566

		Three Months Ended						Six Months Ended					Three Months Ended
		June 30,						June 30,					March 31,
		2025			2024			2025			2024		2025
		(In thousands)
Selected Operating Data:
Interest income	$	80,975		$	80,927		$	161,218		$	158,317	$	80,243
Interest expense		30,012			34,109			60,921			66,683		30,909
Net interest income		50,963			46,818			100,297			91,634		49,334
Provision (credit) for credit losses on loans and unfunded commitments		(110	)		(607	)		(458	)		23		(348	)
Non-interest income		8,212			9,833			14,802			16,639		6,590
Non-interest expense		35,005			36,409			69,827			70,831		34,822
Provision for income taxes		4,494			3,861			8,784			7,024		4,290
Net income	$	19,786		$	16,988		$	36,946		$	30,395	$	17,160

	At or For the Three Months Ended						At or For the Six Months Ended						At or For the Three Months Ended
	June 30,						June 30,						March 31,
	2025			2024			2025			2024			2025
	(Dollars in thousands, except per share data)
Per Common Share:
Net income (fully diluted)	$	1.72		$	1.45		$	3.18		$	2.58		$	1.47
Book value	$	54.61		$	49.11		$	54.61		$	49.11		$	53.03

Earnings Performance Ratios:
Annualized return on average assets		1.34	%		1.17	%		1.24	%		1.05	%		1.15	%
Annualized return on average common stockholders’ equity		12.81	%		12.03	%		12.06	%		10.69	%		11.30	%
Net interest margin		3.68	%		3.43	%		3.63	%		3.38	%		3.57	%
Average interest rate spread		3.09	%		2.77	%		3.05	%		2.71	%		3.00	%
Efficiency ratio		59.16	%		64.27	%		60.67	%		65.42	%		62.27	%
Non-interest expense to average total assets		2.37	%		2.50	%		2.35	%		2.44	%		2.34	%

Asset Quality Ratios:
Allowance for credit losses to period-end loans		1.41	%		1.39	%		1.41	%		1.39	%		1.36	%
Non-performing assets to period-end assets		0.14	%		0.34	%		0.14	%		0.34	%		0.16	%
Non-performing loans to period-end loans		0.04	%		0.23	%		0.04	%		0.23	%		0.07	%
Annualized net charge-offs (recoveries) to average loans		(0.01	)%		(0.01	)%		0.00	%		0.00	%		0.00	%


Great Southern Bancorp, Inc. and Subsidiaries Consolidated Statements of Financial Condition (In thousands, except number of shares)

		June 30, 2025			December 31, 2024			March 31, 2025

Assets
Cash	$	110,007		$	109,366		$	106,336
Interest-bearing deposits in other financial institutions		135,906			86,390			110,845
Cash and cash equivalents		245,913			195,756			217,181

Available-for-sale securities		527,543			533,373			535,914
Held-to-maturity securities		183,100			187,433			185,853
Mortgage loans held for sale		5,616			6,937			6,857
Loans receivable, net of allowance for credit losses of $64,815 – June 2025; $64,760 – December 2024; $64,704 – March 2025		4,534,287			4,690,393			4,690,636
Interest receivable		20,644			20,430			21,504
Prepaid expenses and other assets		133,614			136,594			132,930
Other real estate owned and repossessions, net		6,040			5,993			6,036
Premises and equipment, net		134,337			132,466			132,165
Goodwill and other intangible assets		9,877			10,094			9,985
Federal Home Loan Bank stock and other interest-earning assets		23,714			28,392			25,813
Current and deferred income taxes		29,987			33,767			28,968

Total Assets	$	5,854,672		$	5,981,628		$	5,993,842

Liabilities and Stockholders’ Equity
Liabilities
Deposits	$	4,684,126		$	4,605,549		$	4,758,046
Securities sold under reverse repurchase agreements with customers		54,802			64,444			75,322
Short-term borrowings		369,907			514,247			359,907
Subordinated debentures issued to capital trust		25,774			25,774			25,774
Subordinated notes		—			74,876			74,950
Accrued interest payable		4,065			12,761			5,416
Advances from borrowers for taxes and insurance		8,822			5,272			7,451
Accounts payable and accrued expenses		76,763			70,634			65,528
Liability for unfunded commitments		8,045			8,503			8,155
Total Liabilities		5,232,304			5,382,060			5,380,549

Stockholders’ Equity
Capital stock
Preferred stock, $.01 par value; authorized 1,000,000 shares; issued and outstanding June 2025, December 2024 and March 2025 -0- shares		—			—			—
Common stock, $.01 par value; authorized 20,000,000 shares; issued and outstanding June 2025 – 11,396,533 shares; December 2024 – 11,723,548 shares; March 2025 – 11,565,211 shares		114			117			116
Additional paid-in capital		51,646			50,336			51,076
Retained earnings		611,921			603,477			606,239
Accumulated other comprehensive loss		(41,313	)		(54,362	)		(44,138	)
Total Stockholders’ Equity		622,368			599,568			613,293

Total Liabilities and Stockholders’ Equity	$	5,854,672		$	5,981,628		$	5,993,842


Great Southern Bancorp, Inc. and Subsidiaries Consolidated Statements of Income (In thousands, except per share data)

		Three Months Ended						Six Months Ended						Three Months Ended
		June 30,						June 30,						March 31,
		2025			2024			2025			2024			2025
Interest Income
Loans	$	73,830		$	74,295		$	146,901		$	145,371		$	73,071
Investment securities and other		7,145			6,632			14,317			12,946			7,172
		80,975			80,927			161,218			158,317			80,243
Interest Expense
Deposits		24,368			27,783			48,968			55,420			24,600
Securities sold under reverse repurchase agreements		372			394			743			727			371
Short-term borrowings, overnight FHLBank borrowings and other interest-bearing liabilities		3,974			4,373			8,424			7,417			4,450
Subordinated debentures issued to capital trust		389			454			771			908			382
Subordinated notes		909			1,105			2,015			2,211			1,106
		30,012			34,109			60,921			66,683			30,909

Net Interest Income		50,963			46,818			100,297			91,634			49,334
Provision for Credit Losses on Loans		—			—			—			500			—
Provision (Credit) for Unfunded Commitments		(110	)		(607	)		(458	)		(477	)		(348	)
Net Interest Income After Provision for Credit Losses and Provision (Credit) for Unfunded Commitments		51,073			47,425			100,755			91,611			49,682

Non-interest Income
Commissions		411			269			673			650			262
Overdraft and Insufficient funds fees		1,266			1,230			2,481			2,519			1,215
POS and ATM fee income and service charges		3,444			3,588			6,678			6,771			3,234
Net gains on loan sales		893			1,127			1,494			1,804			601
Late charges and fees on loans		340			136			583			303			243
Gain (loss) on derivative interest rate products		(28	)		(7	)		(52	)		(20	)		(24	)
Other income		1,886			3,490			2,945			4,612			1,059
		8,212			9,833			14,802			16,639			6,590

Non-interest Expense
Salaries and employee benefits		20,005			19,886			40,134			39,542			20,129
Net occupancy and equipment expense		8,435			7,841			16,968			15,680			8,533
Postage		825			777			1,756			1,584			931
Insurance		1,095			1,263			2,260			2,407			1,165
Advertising		705			891			995			1,241			290
Office supplies and printing		238			236			504			503			266
Telephone		705			685			1,411			1,406			706
Legal, audit and other professional fees		929			1,864			1,967			3,589			1,038
Expense (income) on other real estate and repossessions		(168	)		285			(238	)		346			(70	)
Acquired intangible asset amortization		108			109			216			217			108
Other operating expenses		2,128			2,572			3,854			4,316			1,726
		35,005			36,409			69,827			70,831			34,822

Income Before Income Taxes		24,280			20,849			45,730			37,419			21,450
Provision for Income Taxes		4,494			3,861			8,784			7,024			4,290

Net Income	$	19,786		$	16,988		$	36,946		$	30,395		$	17,160

Earnings Per Common Share
Basic	$	1.73		$	1.46		$	3.20		$	2.60		$	1.47
Diluted	$	1.72		$	1.45		$	3.18		$	2.58		$	1.47

Dividends Declared Per Common Share	$	0.40		$	0.40		$	0.80		$	0.80		$	0.40

Average Balances, Interest Rates and Yields

The following table presents, for the periods indicated, the total dollar amounts of interest income from average interest-earning assets and the resulting yields, as well as the interest expense on average interest-bearing liabilities, expressed both in dollars and rates, and the net interest margin. Average balances of loans receivable include the average balances of nonaccrual loans for each period. Interest income on loans includes interest received on nonaccrual loans on a cash basis. Interest income on loans also includes the amortization of net loan fees, which were deferred in accordance with accounting standards. Net fees included in interest income were $1.1 million for both the three months ended June 30, 2025 and 2024. Net fees included in interest income were $2.1 million and $2.3 million for the six months ended June 30, 2025 and 2024, respectively. Tax-exempt income was not calculated on a tax equivalent basis. The table does not reflect any effect of income taxes.

	June 30, 2025			Three Months Ended June 30, 2025						Three Months Ended June 30, 2024
				Average				Yield/			Average				Yield/
	Yield/Rate			Balance			Interest	Rate			Balance			Interest	Rate
	(Dollars in thousands)
Interest-earning assets:
Loans receivable:
One- to four-family residential	4.24	%	$	822,283		$	8,750	4.27	%	$	877,957		$	8,769	4.02	%
Other residential	6.91			1,565,447			27,281	6.99			1,072,168			19,633	7.36
Commercial real estate	6.19			1,489,015			23,082	6.22			1,499,893			23,296	6.25
Construction	7.07			480,254			8,617	7.20			803,478			15,525	7.77
Commercial business	5.93			208,119			3,517	6.78			266,187			4,375	6.61
Other loans	6.39			167,548			2,583	6.18			170,467			2,697	6.36

Total loans receivable	6.16			4,732,666			73,830	6.26			4,690,150			74,295	6.37

Investment securities	3.17			727,336			6,099	3.36			696,239			5,347	3.09
Other interest-earning assets	4.37			97,463			1,046	4.30			97,340			1,285	5.31

Total interest-earning assets	5.74			5,557,465			80,975	5.84			5,483,729			80,927	5.94
Non-interest-earning assets:
Cash and cash equivalents				100,289							94,669
Other non-earning assets				256,923							250,244
Total assets			$	5,914,677						$	5,828,642

Interest-bearing liabilities:
Interest-bearing demand and savings	1.41		$	2,225,933			7,791	1.40		$	2,234,824			9,794	1.76
Time deposits	3.42			757,608			6,521	3.45			894,475			9,073	4.08
Brokered deposits	4.44			895,340			10,056	4.50			683,337			8,916	5.25
Total deposits	2.47			3,878,881			24,368	2.52			3,812,636			27,783	2.93
Securities sold under reverse repurchase agreements	2.33			65,607			372	2.27			76,969			394	2.06
Short-term borrowings, overnight FHLBank borrowings and other interest-bearing liabilities	4.55			347,303			3,974	4.59			339,270			4,373	5.18
Subordinated debentures issued to capital trust	6.14			25,774			389	6.05			25,774			454	7.08
Subordinated notes	—			62,631			909	5.82			74,699			1,105	5.95

Total interest-bearing liabilities	2.66			4,380,196			30,012	2.75			4,329,348			34,109	3.17
Non-interest-bearing liabilities:
Demand deposits				849,862							853,555
Other liabilities				66,585							80,905
Total liabilities				5,296,643							5,263,808
Stockholders’ equity				618,034							564,834
Total liabilities and stockholders’ equity			$	5,914,677						$	5,828,642

Net interest income:						$	50,963						$	46,818
Interest rate spread	3.08	%						3.09	%						2.77	%
Net interest margin*								3.68	%						3.43	%
Average interest-earning assets to average interest-bearing liabilities				126.9	%						126.7	%

*Defined as the Company’s net interest income divided by average total interest-earning assets.

	June 30, 2025			Six Months Ended June 30, 2025						Six Months Ended June 30, 2024
				Average				Yield/			Average				Yield/
	Yield/Rate			Balance			Interest	Rate			Balance			Interest	Rate
	(Dollars in thousands)
Interest-earning assets:
Loans receivable:
One- to four-family residential	4.24	%	$	826,426		$	17,318	4.23	%	$	883,963		$	17,466	3.97	%
Other residential	6.91			1,555,881			53,731	6.96			1,016,071			36,491	7.22
Commercial real estate	6.19			1,499,665			46,096	6.20			1,499,767			46,064	6.18
Construction	7.07			485,392			17,270	7.17			830,025			31,368	7.60
Commercial business	5.93			209,944			7,339	7.05			276,131			8,984	6.54
Other loans	6.39			166,989			5,147	6.22			172,051			4,998	5.84

Total loans receivable	6.16			4,744,297			146,901	6.24			4,678,008			145,371	6.25

Investment securities	3.17			732,699			12,173	3.35			682,960			10,357	3.05
Other interest-earning assets	4.37			101,238			2,144	4.27			98,922			2,589	5.26

Total interest-earning assets	5.74			5,578,234			161,218	5.83			5,459,890			158,317	5.83
Non-interest-earning assets:
Cash and cash equivalents				100,537							92,572
Other non-earning assets				259,692							243,029
Total assets			$	5,938,463						$	5,795,491

Interest-bearing liabilities:
Interest-bearing demand and savings	1.41		$	2,223,716			15,588	1.41		$	2,229,302			19,276	1.74
Time deposits	3.42			764,791			13,235	3.49			916,098			18,238	4.00
Brokered deposits	4.44			893,983			20,145	4.54			686,079			17,906	5.25
Total deposits	2.47			3,882,490			48,968	2.54			3,831,479			55,420	2.91
Securities sold under reverse repurchase agreements	2.33			73,957			743	2.03			75,718			727	1.93
Short-term borrowings, overnight FHLBank borrowings and other interest-bearing liabilities	4.55			369,849			8,424	4.59			290,431			7,417	5.14
Subordinated debentures issued to capital trust	6.14			25,774			771	6.03			25,774			908	7.08
Subordinated notes	—			68,741			2,015	5.91			74,659			2,211	5.96

Total interest-bearing liabilities	2.66			4,420,811			60,921	2.78			4,298,061			66,683	3.12
Non-interest-bearing liabilities:
Demand deposits				835,888							854,202
Other liabilities				68,961							74,391
Total liabilities				5,325,660							5,226,654
Stockholders’ equity				612,803							568,837
Total liabilities and stockholders’ equity			$	5,938,463						$	5,795,491

Net interest income:						$	100,297						$	91,634
Interest rate spread	3.08	%						3.05	%						2.71	%
Net interest margin*								3.63	%						3.38	%
Average interest-earning assets to average interest-bearing liabilities				126.2	%						127.0	%

*Defined as the Company’s net interest income divided by average total interest-earning assets.

NON-GAAP FINANCIAL MEASURES

This document contains certain financial information determined by methods other than in accordance with accounting principles generally accepted in the United States (“GAAP”), specifically, the ratio of tangible common equity to tangible assets.

In calculating the ratio of tangible common equity to tangible assets, we subtract period-end intangible assets from common equity and from total assets. Management believes that the presentation of this measure excluding the impact of intangible assets provides useful supplemental information that is helpful in understanding our financial condition and results of operations, as it provides a method to assess management’s success in utilizing our tangible capital as well as our capital strength. Management also believes that providing a measure that excludes balances of intangible assets, which are subjective components of valuation, facilitates the comparison of our performance with the performance of our peers. In addition, management believes that this is a standard financial measure used in the banking industry to evaluate performance.

This non-GAAP financial measurement is supplemental and is not a substitute for any analysis based on GAAP financial measures. Because not all companies use the same calculation of non-GAAP measures, this presentation may not be comparable to other similarly titled measures as calculated by other companies.

Non-GAAP Reconciliation: Ratio of Tangible Common Equity to Tangible Assets

		June 30,			December 31,
		2025			2024
		(Dollars in thousands)

Common equity at period end	$	622,368		$	599,568
Less: Intangible assets at period end		9,877			10,094
Tangible common equity at period end (a)	$	612,491		$	589,474

Total assets at period end	$	5,854,672		$	5,981,628
Less: Intangible assets at period end		9,877			10,094
Tangible assets at period end (b)	$	5,844,795		$	5,971,534

Tangible common equity to tangible assets (a) / (b)		10.48	%		9.87	%

CONTACT:

Jeff Tryka, CFA,
Investor Relations,
(616) 233-0500
GSBC@lambert.com

The MIL Network –

July 17, 2025

MIL-OSI: Topnotch Crypto Launches Innovative Cloud Mining App, Turning Smartphones into Bitcoin Mining Machines

Source: GlobeNewswire (MIL-OSI)

London, UK, July 17, 2025 (GLOBE NEWSWIRE) — Topnotch Crypto is a leading provider of blockchain and digital asset solutions is excited to announce the launch of their new cloud mining mobile app. The cloud mining mobile app easily makes the average smartphone a bitcoin mining machine, making crypto mining simple and open to the masses.

Details of the New Cloud Mining App

The app recently launched by Topnotch Crypto is an exciting development for cryptocurrency mining! Their application utilizes secure cloud (SaaS) infrastructure and takes out the barriers of crypto mining; you no longer have to pay a premium for expensive hardware, juggle the complexities of hardware, and then pay for the electricity!

Users leverage Topnotch Crypto’s prolific servers; after downloading the app and quickly registering as a user, they can start mining Bitcoin instantly. You will find the experience very straightforward, and they’ll aid you through it even if you’re new to cryptocurrency.

Click to download the APP to learn more highlights

Advantages of Using a Mobile Mining App

One of the key benefits of Topnotch Crypto’s solution is sheer convenience. Traditional mining configurations require thousands of dollars in hardware and a space with noisy, heat-generating rigs. Topnotch Crypto’s mobile app on the other hand, allows users to mine Bitcoin from almost anywhere — whether enjoying a coffee at a café, lounging while on vacation, or during a brief break at work.

Because the heavy compute occurs in the cloud, the user’s smartphone remains cool, efficient, fully available for other mobile functions. Moreover, the app utilizes minimal battery so that mining does not interfere with other mobile matters.

With this kind of accessibility, even total novices can quickly participate in the global Bitcoin network, adding to the ever-growing ledger, simply by tapping buttons on their smartphone.

Key Features and Benefits

Get started quickly: After downloading the app, you can complete the registration in just a few seconds, get $15, and start mining immediately without any technical barriers.

24/7 Cloud Mining: The platform does not stop running, allowing users’ Bitcoin to grow at all times, even while they sleep.

Live Reporting & Analytics: The intelligent dashboards demonstrate live mining statistics, current Bitcoin prices, and more detailed earning reports than anyone would need.

Advanced Security Model: Each user has their information, wallets, and funds protected with state-of-the-art encryption standards and multiple levels of data protocols.

Instant Withdrawals: Users can withdraw mined Bitcoin to their wallets without delay whenever they want.

Referrals: The built-in referral system allows users to earn engagement bonuses every time they invite friends to join the platform, with additional bonuses for reaching referral goals.

Statements from Topnotch Crypto

A representative from Topnotch Crypto emphasized how the app fits nicely within their larger vision of bringing everyone along the ride of blockchain:

“We’re incredibly excited to launch this mobile-first solution and make Bitcoin-mining accessible to anyone with a phone and an internet connection. This is a huge step forward to true decentralization and mass adoption of cryptocurrency.”

The company believes this innovation will catalyze a flood of new players into the crypto ecosystem, building even more awareness and confidence in Bitcoin as a long-term store of value.

Driving a New Era of Bitcoin Adoption

Topnotch Crypto’s cloud mining app is intending to eliminate the costly and technical barriers to entry that have traditionally prevented more individuals worldwide from mining Bitcoin. More users in the ecosystem ultimately makes the network stronger and speeds up the global transition to decentralized finance.

For existing crypto fans, the app will allow them to diversify their portfolio in an efficient manner and let them grow their Bitcoin assets passively. For new entrants, it’s a great way for them to explore the crypto world without incurring large investment upfront.

How to Get Started with Topnotch Crypto

It’s simple to get up and running. The Topnotch Crypto app is now available on both Android and iOS. Users can begin mining Bitcoin within minutes after installation and sign up, monitor their daily status, and take out their earnings whenever they wish.

User will also receive educational tips, market news, and customer support so all users may have a positive experience no matter their crypto experience level.

About Topnotch Crypto

Topnotch Crypto is a cutting edge blockchain company that is working to make cryptocurrency accessible, safe, and rewarding. Using advanced platforms and solutions that focus on the user, Topnotch Crypto is enabling individuals around the world to participate in the future of digital finance.

For press inquiries, partnership opportunities, or more information, please contact:

Topnotch Crypto Media Relations
info@topnotchcrypto.com
https://www.topnotchcrypto.com/

Experience the freedom to mine Bitcoin anytime, anywhere. Download the Topnotch Crypto app today and turn your smartphone into a powerful Bitcoin mining machine.

Disclaimer: The information provided in this press release does not constitute an investment solicitation, nor does it constitute investment advice, financial advice, or a trading recommendation. Cryptocurrency mining and staking involve risks and may result in the loss of funds. It is strongly recommended that you perform due diligence before investing or trading in cryptocurrencies and securities, including consulting a professional financial advisor.

The MIL Network –

July 17, 2025
MIL-OSI: Topnotch Crypto Launches Innovative Cloud Mining App, Turning Smartphones into Bitcoin Mining Machines

Source: GlobeNewswire (MIL-OSI)

London, UK, July 17, 2025 (GLOBE NEWSWIRE) — Topnotch Crypto is a leading provider of blockchain and digital asset solutions is excited to announce the launch of their new cloud mining mobile app. The cloud mining mobile app easily makes the average smartphone a bitcoin mining machine, making crypto mining simple and open to the masses.

Details of the New Cloud Mining App

The app recently launched by Topnotch Crypto is an exciting development for cryptocurrency mining! Their application utilizes secure cloud (SaaS) infrastructure and takes out the barriers of crypto mining; you no longer have to pay a premium for expensive hardware, juggle the complexities of hardware, and then pay for the electricity!

Users leverage Topnotch Crypto’s prolific servers; after downloading the app and quickly registering as a user, they can start mining Bitcoin instantly. You will find the experience very straightforward, and they’ll aid you through it even if you’re new to cryptocurrency.

Click to download the APP to learn more highlights

Advantages of Using a Mobile Mining App

One of the key benefits of Topnotch Crypto’s solution is sheer convenience. Traditional mining configurations require thousands of dollars in hardware and a space with noisy, heat-generating rigs. Topnotch Crypto’s mobile app on the other hand, allows users to mine Bitcoin from almost anywhere — whether enjoying a coffee at a café, lounging while on vacation, or during a brief break at work.

Because the heavy compute occurs in the cloud, the user’s smartphone remains cool, efficient, fully available for other mobile functions. Moreover, the app utilizes minimal battery so that mining does not interfere with other mobile matters.

With this kind of accessibility, even total novices can quickly participate in the global Bitcoin network, adding to the ever-growing ledger, simply by tapping buttons on their smartphone.

Key Features and Benefits

Get started quickly: After downloading the app, you can complete the registration in just a few seconds, get $15, and start mining immediately without any technical barriers.

24/7 Cloud Mining: The platform does not stop running, allowing users’ Bitcoin to grow at all times, even while they sleep.

Live Reporting & Analytics: The intelligent dashboards demonstrate live mining statistics, current Bitcoin prices, and more detailed earning reports than anyone would need.

Advanced Security Model: Each user has their information, wallets, and funds protected with state-of-the-art encryption standards and multiple levels of data protocols.

Instant Withdrawals: Users can withdraw mined Bitcoin to their wallets without delay whenever they want.

Referrals: The built-in referral system allows users to earn engagement bonuses every time they invite friends to join the platform, with additional bonuses for reaching referral goals.

Statements from Topnotch Crypto

A representative from Topnotch Crypto emphasized how the app fits nicely within their larger vision of bringing everyone along the ride of blockchain:

“We’re incredibly excited to launch this mobile-first solution and make Bitcoin-mining accessible to anyone with a phone and an internet connection. This is a huge step forward to true decentralization and mass adoption of cryptocurrency.”

The company believes this innovation will catalyze a flood of new players into the crypto ecosystem, building even more awareness and confidence in Bitcoin as a long-term store of value.

Driving a New Era of Bitcoin Adoption

Topnotch Crypto’s cloud mining app is intending to eliminate the costly and technical barriers to entry that have traditionally prevented more individuals worldwide from mining Bitcoin. More users in the ecosystem ultimately makes the network stronger and speeds up the global transition to decentralized finance.

For existing crypto fans, the app will allow them to diversify their portfolio in an efficient manner and let them grow their Bitcoin assets passively. For new entrants, it’s a great way for them to explore the crypto world without incurring large investment upfront.

How to Get Started with Topnotch Crypto

It’s simple to get up and running. The Topnotch Crypto app is now available on both Android and iOS. Users can begin mining Bitcoin within minutes after installation and sign up, monitor their daily status, and take out their earnings whenever they wish.

User will also receive educational tips, market news, and customer support so all users may have a positive experience no matter their crypto experience level.

About Topnotch Crypto

Topnotch Crypto is a cutting edge blockchain company that is working to make cryptocurrency accessible, safe, and rewarding. Using advanced platforms and solutions that focus on the user, Topnotch Crypto is enabling individuals around the world to participate in the future of digital finance.

For press inquiries, partnership opportunities, or more information, please contact:

Topnotch Crypto Media Relations
info@topnotchcrypto.com
https://www.topnotchcrypto.com/

Experience the freedom to mine Bitcoin anytime, anywhere. Download the Topnotch Crypto app today and turn your smartphone into a powerful Bitcoin mining machine.

Disclaimer: The information provided in this press release does not constitute an investment solicitation, nor does it constitute investment advice, financial advice, or a trading recommendation. Cryptocurrency mining and staking involve risks and may result in the loss of funds. It is strongly recommended that you perform due diligence before investing or trading in cryptocurrencies and securities, including consulting a professional financial advisor.

The MIL Network –

July 17, 2025
MIL-OSI: Lightchain AI Confirms July 2025 Mainnet Launch, Introducing Decentralized AI Infrastructure
Source: GlobeNewswire (MIL-OSI)

SHREWSBURY, United Kingdom, July 16, 2025 (GLOBE NEWSWIRE) — Lightchain AI a decentralized infrastructure protocol focused on artificial intelligence, has confirmed the launch of its mainnet in July 2025. This milestone marks a significant step forward in integrating AI execution into blockchain environments through real-time task processing, developer tools, and incentive-driven consensus.

Designed with scalability, transparency, and performance at its core, Lightchain AI’s architecture introduces a new layer of utility to blockchain networks. The protocol features the Artificial Intelligence Virtual Machine (AIVM), which enables distributed training and inference of AI models across validator nodes using zero-knowledge proofs and federated learning mechanisms.

At the heart of the network lies a novel Proof of Intelligence (PoI) consensus, rewarding nodes for completing useful AI tasks such as model optimization and data analysis. This approach transforms compute power into verifiable contributions that can support diverse use cases across healthcare, finance, logistics, and more.

“Launching our mainnet in July is a major step toward making AI-based computation more open, distributed, and accessible,” said a Lightchain AI spokesperson. “We are building a transparent ecosystem where developers and node operators can work together to create meaningful real-world AI solutions.”

Key features of the Lightchain AI network include:
- Artificial Intelligence Virtual Machine (AIVM): Secure, privacy-preserving AI task execution
- Gas Optimization: Fee adjustment based on task complexity and network load
- Decentralized Storage: Enables verifiable data integrity and transparency
- Developer Ecosystem: Public GitHub repositories, API libraries, and onboarding documentation
- $150,000 Grant Pool: Available for developers building tooling, explorers, or dApps
- Validator Onboarding: Node registration and task allocation tools now live
The upcoming launch builds on Lightchain AI’s successful $21.1 million presale across 15 funding rounds, reflecting early community engagement and confidence in the platform’s mission. The Bonus Round remains active at a fixed price of $0.007 per token as Lightchain finalizes preparations for mainnet rollout.

Developers, validators, and ecosystem partners are invited to join the growing network and participate in shaping the future of decentralized artificial intelligence.

For more information and ongoing updates, visit:
https://lightchain.ai
Whitepaper
Twitter/X
Telegram

Contact:
SHAJAN SKARIA
media@lightchain.ai

Disclaimer: This content is provided by Lightchain AI. The statements, views, and opinions expressed in this content are solely those of the content provider and do not necessarily reflect the views of this media platform or its publisher. We do not endorse, verify, or guarantee the accuracy, completeness, or reliability of any information presented. We do not guarantee any claims, statements, or promises made in this article. This content is for informational purposes only and should not be considered financial, investment, or trading advice.Investing in crypto and mining-related opportunities involves significant risks, including the potential loss of capital. It is possible to lose all your capital. These products may not be suitable for everyone, and you should ensure that you understand the risks involved. Seek independent advice if necessary. Speculate only with funds that you can afford to lose. Readers are strongly encouraged to conduct their own research and consult with a qualified financial advisor before making any investment decisions. However, due to the inherently speculative nature of the blockchain sector—including cryptocurrency, NFTs, and mining—complete accuracy cannot always be guaranteed.Neither the media platform nor the publisher shall be held responsible for any fraudulent activities, misrepresentations, or financial losses arising from the content of this press release. In the event of any legal claims or charges against this article, we accept no liability or responsibility.Globenewswire does not endorse any content on this page.

Legal Disclaimer: This media platform provides the content of this article on an “as-is” basis, without any warranties or representations of any kind, express or implied. We assume no responsibility for any inaccuracies, errors, or omissions. We do not assume any responsibility or liability for the accuracy, content, images, videos, licenses, completeness, legality, or reliability of the information presented herein. Any concerns, complaints, or copyright issues related to this article should be directed to the content provider mentioned above.

A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/80d4d6ec-5a84-44f2-a9b1-b48b8264241a

The MIL Network –
July 17, 2025
MIL-OSI: Lightchain AI Confirms July 2025 Mainnet Launch, Introducing Decentralized AI Infrastructure
Source: GlobeNewswire (MIL-OSI)

SHREWSBURY, United Kingdom, July 16, 2025 (GLOBE NEWSWIRE) — Lightchain AI a decentralized infrastructure protocol focused on artificial intelligence, has confirmed the launch of its mainnet in July 2025. This milestone marks a significant step forward in integrating AI execution into blockchain environments through real-time task processing, developer tools, and incentive-driven consensus.

Designed with scalability, transparency, and performance at its core, Lightchain AI’s architecture introduces a new layer of utility to blockchain networks. The protocol features the Artificial Intelligence Virtual Machine (AIVM), which enables distributed training and inference of AI models across validator nodes using zero-knowledge proofs and federated learning mechanisms.

At the heart of the network lies a novel Proof of Intelligence (PoI) consensus, rewarding nodes for completing useful AI tasks such as model optimization and data analysis. This approach transforms compute power into verifiable contributions that can support diverse use cases across healthcare, finance, logistics, and more.

“Launching our mainnet in July is a major step toward making AI-based computation more open, distributed, and accessible,” said a Lightchain AI spokesperson. “We are building a transparent ecosystem where developers and node operators can work together to create meaningful real-world AI solutions.”

Key features of the Lightchain AI network include:
- Artificial Intelligence Virtual Machine (AIVM): Secure, privacy-preserving AI task execution
- Gas Optimization: Fee adjustment based on task complexity and network load
- Decentralized Storage: Enables verifiable data integrity and transparency
- Developer Ecosystem: Public GitHub repositories, API libraries, and onboarding documentation
- $150,000 Grant Pool: Available for developers building tooling, explorers, or dApps
- Validator Onboarding: Node registration and task allocation tools now live
The upcoming launch builds on Lightchain AI’s successful $21.1 million presale across 15 funding rounds, reflecting early community engagement and confidence in the platform’s mission. The Bonus Round remains active at a fixed price of $0.007 per token as Lightchain finalizes preparations for mainnet rollout.

Developers, validators, and ecosystem partners are invited to join the growing network and participate in shaping the future of decentralized artificial intelligence.

For more information and ongoing updates, visit:
https://lightchain.ai
Whitepaper
Twitter/X
Telegram

Contact:
SHAJAN SKARIA
media@lightchain.ai

Disclaimer: This content is provided by Lightchain AI. The statements, views, and opinions expressed in this content are solely those of the content provider and do not necessarily reflect the views of this media platform or its publisher. We do not endorse, verify, or guarantee the accuracy, completeness, or reliability of any information presented. We do not guarantee any claims, statements, or promises made in this article. This content is for informational purposes only and should not be considered financial, investment, or trading advice.Investing in crypto and mining-related opportunities involves significant risks, including the potential loss of capital. It is possible to lose all your capital. These products may not be suitable for everyone, and you should ensure that you understand the risks involved. Seek independent advice if necessary. Speculate only with funds that you can afford to lose. Readers are strongly encouraged to conduct their own research and consult with a qualified financial advisor before making any investment decisions. However, due to the inherently speculative nature of the blockchain sector—including cryptocurrency, NFTs, and mining—complete accuracy cannot always be guaranteed.Neither the media platform nor the publisher shall be held responsible for any fraudulent activities, misrepresentations, or financial losses arising from the content of this press release. In the event of any legal claims or charges against this article, we accept no liability or responsibility.Globenewswire does not endorse any content on this page.

Legal Disclaimer: This media platform provides the content of this article on an “as-is” basis, without any warranties or representations of any kind, express or implied. We assume no responsibility for any inaccuracies, errors, or omissions. We do not assume any responsibility or liability for the accuracy, content, images, videos, licenses, completeness, legality, or reliability of the information presented herein. Any concerns, complaints, or copyright issues related to this article should be directed to the content provider mentioned above.

A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/80d4d6ec-5a84-44f2-a9b1-b48b8264241a

The MIL Network –
July 17, 2025
MIL-OSI Submissions: Moldova – Moldova Launches Agrotek Arena: A New Incubator for Digital Agriculture, Robotics, and FoodTech

Source: Innovate Moldova Programme

Chișinău, Moldova – Moldova is taking a decisive step toward the future of agriculture with the launch of a new incubator and pre-accelerator at Agrotek Arena Incubator, an innovation space dedicated to digital agriculture, robotics, and food technology. The initiative is part of the Innovate Moldova Programme, funded by Sweden, and aims to modernize the country’s agri-food sector through innovation, research, and international collaboration.

On July 9, 2025, a Memorandum of Understanding was signed between the Moldova’s Ministry of Digitalization and Economic Development (MDED), the Technical University of Moldova (UTM), the Innovate Moldova Programme, and the Ukraine-Moldova American Enterprise Fund (UMAEF), marking the start of this strategic partnership.

The incubator will span 1,300 square meters across two refurbished floors of Agrotek Arena and will host up to 30 residents – startups, student entrepreneurs, researchers, and agri-food businesses. It is projected to benefit over 3,000 students, farmers, and food processors annually by providing access to cutting-edge technologies, prototyping labs, greenhouses, and innovation support programs.

“Agriculture remains a backbone of Moldova’s economy. Yet, without modern tools and forward-thinking infrastructure, its full potential cannot be realized, Agrotek Arena will serve as a launchpad for innovation, helping us bridge the gap between academia, industry, and global partners.”

stated Doina Nistor, Deputy Prime Minister and Minister of Digitalization and Economic Development.

The incubator is set to open its doors to residents by September 1st, with a structured acceleration program launching in October 2025. Activities will focus on developing viable agri-tech solutions in areas such as precision agriculture, smart irrigation, and sustainable food processing.

Shared Investment and Global Collaboration

The $1 million project is built on a shared funding model. Innovate Moldova Programme and UMAEF are supporting the refurbishment of common areas, while UTM is offering rent-free space and managing energy efficiency upgrades. Residents will contribute by equipping their dedicated offices with air conditioning, furnishings, and technical installations.

Agrotek Arena will also establish strong linkages with European and North American technology providers. Strategic collaborations include:

Davis Weather Stations for climate-smart farming,
Biosfera’s GPS AgTech Solutions for resource-optimized agriculture,
SAS Cropio ERP Systems for real-time farm data analytics.

These partnerships not only bolster Moldova’s agricultural transformation but also create long-term business opportunities for EU, EFTA and North Atlantic region.

A Foundation for Moldova’s AgriTech Future

Located on UTM’s 5-hectare Mircești campus in capital Chișinău and linked to 570 hectares in Criuleni region, Agrotek Arena is the first major milestone in the broader Agrotek Park vision. Future plans include the development of high-tech farming sites, applied R&D centers, and repurposed Soviet-era infrastructure into labs and innovation hubs.

“This is more than a building—it’s the beginning of Moldova’s transformation into a regional hub for sustainable agri-tech. By fostering ties between startups, universities, and international partners, we are laying the groundwork for high-value job creation and export-ready technologies.”

said Sergiu Rabii, Programme Director at the Innovate Moldova Programme

Agrotek Arena will also support Moldova’s alignment with EU standards by integrating sustainable design, ESG practices, and inclusive economic development into its operational model.

MIL OSI – Submitted News –

July 17, 2025
MIL-OSI Submissions: Moldova – Moldova Business Week 2025. Discover Moldova’s Economic Opportunities at the Country’s Leading Economic Forum

Source: Invest Moldova Agency

Chișinău, July 16, 2025 – Invest Moldova Agency invites business leaders, investors, business associations, public and private partners to the tenth edition of Moldova Business Week – the country’s most important economic forum, taking place between September 15-19, 2025.

The event will bring together participants from the business, institutional, and academic communities, both from Moldova and abroad, with activities scheduled in Chișinău and other regions across the country.

Organized under the theme “Moldova is Open for Business”, this milestone edition highlights Moldova’s ongoing commitment to international economic cooperation.

MBW25 reflects the country’s strategic direction toward building a sustainable, digital, and regionally integrated economy, further strengthening Moldova’s position as an emerging investment destination in Europe.

The forum’s agenda includes B2B sessions, thematic panels, investor and exporter success stories, field visits, and a strong focus on networking and business development.

This edition will place special emphasis on four strategic pillars:

State Aid Scheme for Industrialization – a competitive investment attraction tool supporting six strategic sectors, offering state assistance of up to 60% of the total investment amount.

Moldova IT Park – a flagship success in the IT and business services sector, offering a unique flat tax rate of 7%, guaranteed by law until 2035.

Infrastructure and Renewable Energy Investments – aiming to strengthen energy independence, diversify supply sources, ensure direct energy integration with the EU, and accelerate the transition to green energy.

Positioning Moldova as a regional logistics hub – contributing to the reconstruction of Ukraine through infrastructure, logistics, and the production of construction materials.

“Through this anniversary edition, Moldova will demonstrate its readiness to play an active role in the regional economy. We have talented people, a business-friendly fiscal environment, and a clear development vision,” says Natalia Bejan, Director of the Invest Moldova Agency.

Recent data reinforces this message:

In 2024, 1.3% of all cars produced globally included components made in Moldova.

Moldova ranks among the top 20 global producers and exporters of apples, apricots, plums, and wine.

IT exports have increased more than fivefold between 2018 and 2024.

The British company William Russell named Moldova the most promising real estate investment destination in Europe for 2025.

International rating agencies Fitch and Moody’s have reaffirmed Moldova’s sovereign ratings with a stable outlook, reflecting investor confidence and economic resilience.

MIL OSI – Submitted News –

July 17, 2025
MIL-OSI New Zealand: Job seekers move into work

Source: New Zealand Government

More than 80,700 people moved off a main benefit and into work in the last financial year, Social Development and Employment Minister Louise Upston says.

“Despite challenging economic conditions, the Government has been relentlessly focused on getting New Zealanders into work. It’s encouraging that 80,000 Kiwis were able to kick start new roles over the past 12 months and there will be more to come.”

Overall, MSD stats released today show that as expected in the current economic climate, the overall number of people receiving a benefit has increased, ahead of a forecast decrease from December.

The number of people receiving a main benefit in June 2025 (406,128) increased by 7,965 (2.0 percent) compared to March 2025 (398,163).

The number of people receiving Jobseeker Support in June 2025 (216,009) increased by 6,171 (2.9 percent) compared to March 2025 (209,838).

“Over the last three years, MSD have traditionally seen a trend of more people coming onto benefit in the March to June period,” Louise Upston says. “It’s likely this is partially because there’s less seasonal work around during the winter months.”

“MSD is continuing to provide great support to job seekers on the frontline. Our Government has increased the number of people in case management at any one time from 60,000 to 70,000 people. 10,000 of those are getting help through a new phone-based case management service. That’s more people getting more support.

“We’ve got 2,100 more places for young people to get community job coaching, more regular work seminars, employment plans to help people get ready for work, and a traffic light system to help them stay on track with their obligations.

“People now also have to reapply for their benefit every six months, instead of just once a year. This gives MSD an extra opportunity to support them into a job.

“We know some Kiwis are still doing it tough while the economy recovers, but we’re working as hard as possible to get New Zealanders off welfare and into work,” Louise Upston says.

MIL OSI New Zealand News –

July 17, 2025
MIL-OSI New Zealand: Economy – Updates to Deposit Takers Act implementation timeline and standards – Reserve Bank

Source: Reserve Bank of New Zealand

17 July 2025 – The Reserve Bank of New Zealand – Te Pūtea Matua has today published an updated implementation timeline for incoming changes to the prudential regulatory regime for deposit takers.

The Deposit Takers Act 2023 (DTA) modernises the regulatory framework to help ensure the safety and soundness of deposit takers and support a stable financial system that New Zealanders can trust. 

DTA standards will be issued by 31 May 2027 and come into effect on 1 December 2028.

“The standards bring to life the prudential requirements deposit takers will need to meet to be licensed under the DTA,” Director Prudential Policy Jess Rowe says.

Public consultation on the proposed standards took place across 2024 and 2025.

“We’re grateful for the insightful feedback received from submitters, and we’re now hard at work preparing the exposure drafts of the standards,” Ms Rowe says.

Exposure draft consultation will take place in three tranches, starting in October 2025.

Licensing of existing deposit takers will occur over an 18-month window, running from 1 June 2027 to 30 November 2028, ahead of the standards coming into effect on 1 December of that year. The change means all banks and non-bank deposit takers will be licensed under a single, coherent regulatory regime. In late 2025, we hope to communicate information about our approach to licensing existing deposit takers under the DTA.

Changes to the DTA implementation timeline were necessary to allow time for a review of key capital settings, announced on 31 March 2025. DTA standards were previously planned to come into effect in July 2028.

DTA timeline – Reserve Bank of New Zealand – Te Pūtea Matua: https://govt.us20.list-manage.com/track/click?u=bd316aa7ee4f5679c56377819&id=e1c35a6635&e=f3c68946f8

2025 Review of key capital settings: https://govt.us20.list-manage.com/track/click?u=bd316aa7ee4f5679c56377819&id=f4705877ae&e=f3c68946f8

Response to submissions on the non-core standards

In 2024, we received 25 submissions to public consultation on DTA non-core standards.

In response to feedback, we have made changes to further support a proportionate approach, reduce the impact of compliance on deposit takers, and enhance potential competition in the market. Changes resulting from consultation include removing prescriptive detail and making requirements more flexible in certain areas.

Our overall assessment remains that we are striking a good balance between our primary financial stability mandate and our purposes and principles, including proportionality and competition.

Deposit Takers Non-Core Standards – Reserve Bank of New Zealand – Citizen Space: https://govt.us20.list-manage.com/track/click?u=bd316aa7ee4f5679c56377819&id=88eeb490a1&e=f3c68946f8

A summary of submissions on the Crisis Management Issues Paper has also been published.

Crisis management under the Deposit Takers Act 2023 – Issues Paper – Reserve Bank of New Zealand – Citizen Space: https://govt.us20.list-manage.com/track/click?u=bd316aa7ee4f5679c56377819&id=aaa9de9963&e=f3c68946f8

Terminology explained

Core standards

These are the standards that we will use as the criteria to determine the eligibility of existing banks and NBDTs for relicensing under the DTA.

Non-core standards

These are the other standards that all deposit takers will need to comply with when the DTA standards regime starts but will not be used for relicensing existing deposit takers.

Deposit takers will need to comply with all standards when they come into force in 2028.

MIL OSI New Zealand News –

July 17, 2025
MIL-OSI: BAY Miner Launches Zero-Fee Bitcoin Cloud Mining for All Users—Empowering Global Access to Passive Crypto Income

Source: GlobeNewswire (MIL-OSI)

Boston, Massachusetts, July 16, 2025 (GLOBE NEWSWIRE) — As Bitcoin maintains momentum above $118,000 and decentralized finance sees increasing institutional support, BAY Miner is once again transforming the landscape of crypto participation. Today, the company officially launched its Zero-Fee Mining Program, a game-changing initiative allowing users worldwide to mine Bitcoin and other cryptocurrencies without incurring any service fees—ensuring users retain 100% of their crypto earnings.

This move further solidifies BAY Miner’s position as a global leader in accessible and sustainable cloud mining. Built on AI-powered optimization and green energy infrastructure, BAY Miner enables users to mine cryptocurrency directly from their smartphones, with no hardware, no maintenance, and now—no fees.

BAY Miner Redefines the Crypto Mining Model with Fee-Free, Mobile-First Cloud Mining

Zero Commission on Mining Rewards
With the Zero-Fee Mining Program, BAY Miner removes all platform charges on mining earnings. Users receive the full value of their mined assets without deductions.

AI-Optimized Hash Rate Allocation
Smart algorithms manage and distribute computing power in real-time, optimizing mining efficiency for BTC, ETH, and XRP across dynamic market conditions.

Fully Mobile, Hardware-Free Mining
No mining rigs, servers, or cooling systems are needed. Users simply manage their accounts and track earnings from the BAY Miner mobile app.

Eco-Conscious Infrastructure
BAY Miner’s operations are backed by renewable energy sources, contributing to a cleaner crypto mining ecosystem.

Daily Payouts with Real-Time Visibility
Mining earnings are settled automatically every 24 hours. Users can view live income data through the platform’s real-time dashboard.

Accessible to All Experience Levels
The system is designed for both first-time users and seasoned crypto miners. No technical background is required.

How to Start Zero-Fee Bitcoin Mining with BAY Miner

Download the BAY Miner App
Visit https://www.bayminer.com or download the app from the official platform.

Register Using Your Email
No identity verification or KYC documents required—just a simple email-based registration process.

Activate Your Free Cloud Mining Contract
Every new user receives a free starter contract upon signup, allowing instant mining with no upfront cost.

Mine Bitcoin, Ethereum, or XRP—No Equipment Needed
Your smartphone becomes your gateway to passive crypto earnings—no hardware or configuration required.

Track and Receive Earnings Automatically
Mining payouts are processed daily. Earnings are visible in real-time via the income dashboard.

Withdraw or Reinvest When Ready
Once your balance reaches $100, you can withdraw to your preferred crypto wallet or reinvest in mining upgrades.

USD-Pegged Contracts Provide Price Stability

To protect users from crypto price volatility, BAY Miner pegs all cloud mining contracts to the U.S. dollar. Users can fund accounts with major cryptocurrencies including Bitcoin (BTC), Ethereum (ETH), XRP, Tether (USDT – ERC20 & TRC20), Dogecoin (DOGE), Litecoin (LTC), Bitcoin Cash (BCH), and Solana (SOL).

All crypto deposits are automatically converted to USD at the current exchange rate and locked in to preserve the mining contract’s value. Upon withdrawal, users can convert back to their preferred cryptocurrency.

BAY Miner’s Continued Rise as a Global Cloud Mining Leader

Amid rising economic uncertainty and a growing demand for digital income, BAY Miner provides a safe, scalable, and sustainable avenue for passive earnings.

• 10+ Million Users Worldwide
Adopted across more than 180 countries and territories

• Green Energy Infrastructure
Aligned with ESG goals and carbon-conscious mining standards

• Daily, Automated Payouts
BTC, ETH, or XRP deposited directly every 24 hours

• No Hardware Required—Fully Mobile Mining
Accessible from any smartphone with no technical setup

• Free Entry and Flexible Upgrades
Free initial contracts and optional tiered upgrades to grow returns

• Secure and Transparent Operations
Live dashboards and institutional-grade backend infrastructure

With its no-fee model, renewable mining backbone, and mobile-first accessibility, BAY Miner continues to break down barriers to crypto participation. The company is well-positioned to lead the next wave of digital asset mining in 2025 and beyond.

Start Earning with Fee-Free Cloud Mining

Users from all backgrounds can now start earning crypto daily without fees or hardware. Setup takes just minutes.

Website: https://www.bayminer.com/
Email: info@bayminer.com
Download App: https://bayminer.com/xml/index.html#/app

Disclaimer: The information provided in this press release does not constitute an investment solicitation, nor does it constitute investment advice, financial advice, or trading recommendations. Cryptocurrency mining and staking involve risks and the possibility of losing funds. It is strongly recommended that you perform due diligence before investing or trading in cryptocurrencies and securities, including consulting a professional financial advisor.

Attachment

The MIL Network –

July 17, 2025
MIL-OSI: BAY Miner Launches Zero-Fee Bitcoin Cloud Mining for All Users—Empowering Global Access to Passive Crypto Income

Source: GlobeNewswire (MIL-OSI)

Boston, Massachusetts, July 16, 2025 (GLOBE NEWSWIRE) — As Bitcoin maintains momentum above $118,000 and decentralized finance sees increasing institutional support, BAY Miner is once again transforming the landscape of crypto participation. Today, the company officially launched its Zero-Fee Mining Program, a game-changing initiative allowing users worldwide to mine Bitcoin and other cryptocurrencies without incurring any service fees—ensuring users retain 100% of their crypto earnings.

This move further solidifies BAY Miner’s position as a global leader in accessible and sustainable cloud mining. Built on AI-powered optimization and green energy infrastructure, BAY Miner enables users to mine cryptocurrency directly from their smartphones, with no hardware, no maintenance, and now—no fees.

BAY Miner Redefines the Crypto Mining Model with Fee-Free, Mobile-First Cloud Mining

Zero Commission on Mining Rewards
With the Zero-Fee Mining Program, BAY Miner removes all platform charges on mining earnings. Users receive the full value of their mined assets without deductions.

AI-Optimized Hash Rate Allocation
Smart algorithms manage and distribute computing power in real-time, optimizing mining efficiency for BTC, ETH, and XRP across dynamic market conditions.

Fully Mobile, Hardware-Free Mining
No mining rigs, servers, or cooling systems are needed. Users simply manage their accounts and track earnings from the BAY Miner mobile app.

Eco-Conscious Infrastructure
BAY Miner’s operations are backed by renewable energy sources, contributing to a cleaner crypto mining ecosystem.

Daily Payouts with Real-Time Visibility
Mining earnings are settled automatically every 24 hours. Users can view live income data through the platform’s real-time dashboard.

Accessible to All Experience Levels
The system is designed for both first-time users and seasoned crypto miners. No technical background is required.

How to Start Zero-Fee Bitcoin Mining with BAY Miner

Download the BAY Miner App
Visit https://www.bayminer.com or download the app from the official platform.

Register Using Your Email
No identity verification or KYC documents required—just a simple email-based registration process.

Activate Your Free Cloud Mining Contract
Every new user receives a free starter contract upon signup, allowing instant mining with no upfront cost.

Mine Bitcoin, Ethereum, or XRP—No Equipment Needed
Your smartphone becomes your gateway to passive crypto earnings—no hardware or configuration required.

Track and Receive Earnings Automatically
Mining payouts are processed daily. Earnings are visible in real-time via the income dashboard.

Withdraw or Reinvest When Ready
Once your balance reaches $100, you can withdraw to your preferred crypto wallet or reinvest in mining upgrades.

USD-Pegged Contracts Provide Price Stability

To protect users from crypto price volatility, BAY Miner pegs all cloud mining contracts to the U.S. dollar. Users can fund accounts with major cryptocurrencies including Bitcoin (BTC), Ethereum (ETH), XRP, Tether (USDT – ERC20 & TRC20), Dogecoin (DOGE), Litecoin (LTC), Bitcoin Cash (BCH), and Solana (SOL).

All crypto deposits are automatically converted to USD at the current exchange rate and locked in to preserve the mining contract’s value. Upon withdrawal, users can convert back to their preferred cryptocurrency.

BAY Miner’s Continued Rise as a Global Cloud Mining Leader

Amid rising economic uncertainty and a growing demand for digital income, BAY Miner provides a safe, scalable, and sustainable avenue for passive earnings.

• 10+ Million Users Worldwide
Adopted across more than 180 countries and territories

• Green Energy Infrastructure
Aligned with ESG goals and carbon-conscious mining standards

• Daily, Automated Payouts
BTC, ETH, or XRP deposited directly every 24 hours

• No Hardware Required—Fully Mobile Mining
Accessible from any smartphone with no technical setup

• Free Entry and Flexible Upgrades
Free initial contracts and optional tiered upgrades to grow returns

• Secure and Transparent Operations
Live dashboards and institutional-grade backend infrastructure

With its no-fee model, renewable mining backbone, and mobile-first accessibility, BAY Miner continues to break down barriers to crypto participation. The company is well-positioned to lead the next wave of digital asset mining in 2025 and beyond.

Start Earning with Fee-Free Cloud Mining

Users from all backgrounds can now start earning crypto daily without fees or hardware. Setup takes just minutes.

Website: https://www.bayminer.com/
Email: info@bayminer.com
Download App: https://bayminer.com/xml/index.html#/app

Disclaimer: The information provided in this press release does not constitute an investment solicitation, nor does it constitute investment advice, financial advice, or trading recommendations. Cryptocurrency mining and staking involve risks and the possibility of losing funds. It is strongly recommended that you perform due diligence before investing or trading in cryptocurrencies and securities, including consulting a professional financial advisor.

Attachment

The MIL Network –

July 17, 2025

MIL-OSI USA: De La Cruz Honors McAllen Police Officer Ismael Garcia, Dr. James C. Lee

Source: United States House of Representatives – Monica De La Cruz (TX-15)

De La Cruz Honors McAllen Police Officer Ismael Garcia, Dr. James C. Lee

WASHINGTON, July 16, 2025

Today, Congresswoman Monica De La Cruz (TX-15) honored McAllen Police Officer Ismael Garcia and the life of Dr. James C. Lee of Seguin on the House floor.

Officer Ismael Garcia was injured during the attack on the Border Patrol annex facility in McAllen. Remarks as prepared are below, or watch the full speech here.

“I rise today to honor the brave service of McAllen Police Officer Ismael Garcia during the horrific attack on the McAllen Border Patrol facility last week.

When an active shooter opened fire, Officer Garcia did not hesitate to jump into action. He willingly put himself in harm’s way, to protect his brothers and sisters in blue and green.

In the face of danger, he displayed valor, sacrifice, and selflessness.

When I visited him in recovery, he expressed pride in taking the bullet to protect others.

Officer Garcia served our nation for four years in the Marine Corps, earning the Combat Action Ribbon for his bravery. For nearly a decade since, he has continued to answer the call of duty as a McAllen Police Department officer.

We wish him a speedy recovery. May God bless Officer Garcia, our law enforcement, first responders, and border patrol.”

Additionally, De La Cruz honored the life and legacy of Dr. James C. Lee of Seguin. Remarks as prepared are below, or watch the full speech here.

“I rise today to recognize Dr. James C. Lee of Seguin for his lifetime of service and dedication to the well-being of his fellow Texans.

Originally born in Houston, Dr. Lee made Seguin his home in the late 70s. For nearly three decades, he cared for patients of all ages and served as a founding member, treasurer, and finance chair of the Guadalupe Regional Medical Foundation. He served on the medical center’s governing board as Chairman and on the MHMR board, helping those with disabilities and mental health needs access support.

Beloved by both patients and staff, Dr. Lee’s presence will be dearly missed, but his work to help community members access their health care will live on. Outside of his work in the medical field, he was a devout Catholic, President of the Seguin Area Chamber of Commerce, a 50-year member of the Knights of Columbus, and 30-year member of the Rotary Club of Seguin.

Dr. Lee’s legacy is remembered by his wife, Janice, his four daughters, Crystal, Cynthia, Catherine, Carol, and 10 grandchildren.

Thank you and I yield back.”

MIL OSI USA News –

July 17, 2025

MIL-OSI USA: Murkowski, Colleagues Advocate for Critical Education Funding

US Senate News:

Source: United States Senator for Alaska Lisa Murkowski

07.16.25

Washington, DC – U.S. Senator Lisa Murkowski (R-AK) joined her colleagues in a letter to the Director of the Office of Management and Budget (OMB), Russell Vought, asking him to faithfully implement the Fiscal Year (FY) 2025 Full-Year Continuing Resolution Act, and release the funds.

The legislation included funding for Supporting Effective Instruction State Grants; 21^st Century Learning Centers; Student Support and Academic Enrichment Grants; English Language Acquisition; Migrant Education; Adult Basic and Literary Education State Grants (including Integrated English Language and Civics Education State Grants).

“The decision to withhold this funding is directly contrary to President Trump’s goal of returning K-12 education to the states,” the Senators wrote. “This funding goes directly to states and local school districts, where local leaders decide how this funding is spent, because as we know, local communities know how to best serve students and families. Withholding this funding denies states and communities the opportunity to pursue localized initiatives to support students and their families.”

The letter was also signed by Senators Shelley Moore Capito (R-WV), Susan Collins (R-ME), John Boozman (R-AR), Katie Boyd Britt (R-AL), Deb Fischer (R-NE), John Hoeven (R-ND), Jim Justice (R-WV), Mitch McConnell (R-KY), and M. Michael Rounds (R-SD).

The full text of the letter can be found here, or below.

Dear Director Vought,

We write to ask you to faithfully implement the Fiscal Year (FY) 2025 Full-Year Continuing Resolution Act, which President Trump signed into law earlier this year, including the education formula funds that states anticipated receiving on July I, 2025.

The Continuing Resolution contained funding for Supporting Effective Instruction State Grants; 21st Century Community Learning Centers; Student Support and Academic Enrichment Grants; English Language Acquisition; Migrant Education; Adult Basic and Literacy Education State Grants (including Integrated English Literacy and Civics Education State Grants). Withholding these funds will harm students, families, and local economies.

The decision to withhold this funding is contrary to President Trump’s goal of returning K-12 education to the states. This funding goes directly to states and local school districts, where local leaders decide how this funding is spent, because as we know, local communities know how to best serve students and families. Withholding this funding denies states and communities the opportunity to pursue localized initiatives to support students and their families.

We share your concern about taxpayer money going to fund radical left-wing programs.

However, we do not believe that is happening with these funds. These funds go to support programs that enjoy longstanding, bipartisan support like after-school and summer programs that provide learning and enrichment opportunities for school aged children which also enables their parents to work and contribute to local economies.

These funds also go to support adult learners. These students are often adults seeking second chances for a myriad of reasons, for example, caregiving responsibilities or financial challenges.

These are adult learners working to gain employment skills, earn workforce certifications, or transition into postsecondary education. We should be making educational opportunities easier for these students, not harder.

We welcome the opportunity to work with you and Secretary McMahon to ensure that all federal education funding goes towards programs that help states and school districts provide students an excellent education. We want to see students in our states and across the country thrive, whether they are adult learners, students who speak English as a second language, or students who need after-school care so that their parents can work. We believe you share the same goal.

We encourage you to reverse your decision and release this Congressionally-approved funding to states.

Thank you for your attention to this request, and we look forward to your prompt reply.

MIL OSI USA News –

July 17, 2025

Category: Economy

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De La Cruz Honors McAllen Police Officer Ismael Garcia, Dr. James C. Lee