Chairman's Message As the Chairman of the Board of Directors of the 1st National Bank St. Lucia Limited, it is indeed my pleasure to be a part of this longstanding legacy. The journey to 80 has seen us overcome many obstacles as an indigenous bank, yet we are proud to have kept striving for excellence in all we do. Although challenging at times, we were adaptive and resilient, learning from the past and embracing new technologies. We are immensely thankful for our valued customers who stood with us through every new branch we opened, new product or service offered, and every regulatory change. We are grateful for our incredible staff who not only stood with us, but transformed themselves when the market demanded it. At 1st National Bank St. Lucia Limited, we have a lot to be thankful for and are excited at the prospects that the future will bring. Nigel A. Fulgence Chairman / President 1st National Bank St. Lucia Limited Geraldine Lendor-Gabriel 1st Vice-President Business and Environmental Consultant BSc (Hons), MSc, CGA, Acc. Dir. (ICSA.) Brenda Floissac-Fleming 2nd Vice-President Attorney At Law BA (Hons) Law, Acc. Dir. (ICSA.) Johnathan J. Johannes Managing Director BA International Business Johnson Cenac Director Retired Public Servant BA Maths & Econ., MEd, Acc. Dir. (ICSA.) Tedburt Theobalds Director Valuation Surveyor and Agricultural Consultant BSc, MIS, MBA, ACIArb Acc. Dir. (ICSA.) Adrian Augier Director Economic Development Consultant BA, MA, D.Litt. Honoris Causa Richard Monplaisir Director Company Director BA (Hons) Bus Admin, Acc. Dir. (ICSA.) Jennifer Remy Director Attorney At Law BA (Hons) Agosta Degazon Permanent Secretary BSc (Accounting) MBA, C. Dir.