You have been appointed as Chief Executive Officer for one of the largest Banks in Zambia. As your first task, you will need to review the Bank's credit management policies. Based on the paper by George Akerlof on the "Market for Lemons", write an advisory note (no more than one page) on how the bank can address the challenges of information Asymmetry, Adverse Selection and the Moral Hazard problem in the context of a commercial bank. Ensure to provide practical examples in your illustration. [10 MARKS]