We are living through a historic time as Covid-19 threatens the health and the economy of the communities in which we live. At Commodore Bank, the health and safety of our associates and our clients is our utmost priority. Your health and safety is also a paramount concern of the Board of Directors and we are therefore again postponing our Annual Shareholder Meeting. The Board continues to monitor the situation and hopes to be able to set a time for an in person meeting; but if conditions do not improve sufficiently, we may need to consider a virtual meeting. We will keep you informed.