As I begin to write this year-end message, I think about the whole world that is inflicted with the COVID-19 virus. With over 95% of our employees working from home, we are dedicated to providing the best facilities and services to our customers. With the changing economy due to Coronavirus, we have redesigned our procedures, making sure that the latest digital technology is used to help our customers stay connected with us throughout this challenging time. It is without any doubt a unique and difficult time for all of us, and it remains doubtful as to when everything is going to get back to normal. With a massive decline in businesses, shortage of food, medicine, and medical equipment, the whole world is fighting an unseen enemy and doing its best to survive.COVID-19 has taken many lives and opportunities away from us.