Brothers and Sisters,

This year has been filled with a multitude of both challenges and victories. Every year is different, but this one has been filled with more change than anyone could have ever expected.

As the end of year approaches, we know there will be many challenges ahead and we are hopeful for what 2021 has in store for us.

The end of the year brings no greater joy than the opportunity to express season's greetings and well wishes. May your holidays and new year be filled with joy, health, and happiness.

Best wishes and good health for you and your families.

Fraternally,

Mike McElmury

Trustee