Dear Fellow Shareholders, 

2020 was an extraordinary year by any measure.

It was a year of a global pandemic, a global recession, unprecedented government actions, turbulent elections, and deeply felt social and racial injustice.

It was a year in which each of us faced difficult personal challenges, and a staggering number of us lost loved ones.

It was also a year when those among us with less were disproportionately hurt by joblessness and poverty.

And it was a time when companies discovered what they really were and, sometimes, what they might become.

Watching events unfold throughout the year, we were keenly focused on what we, as a company, could do to serve.