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When I wrote to you at this time last year, we were in the early stages of the COVID-19 pandemic. Business activity, travel, dining and many other areas of life had been curtailed and we were assessing the impact of those changes on our business.
Without question, 2020 was a record year for the Bank by any standard and we enter 2021 with the strongest earnings, asset quality and capital profile we have ever had. While uncertainties remain, we are optimistic that 2021 will be another record year for the Company as we continue to deliver top-tier shareholder returns.
Thank you for your continued trust and support as we work to deliver the performance and results you have come to expect.
Sincerely,William E. Edwards III Founder, Vice-Chairman, President and Chief Executive Officerr