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.) Richard Monplaisir 2nd Vice President Company Director BA (Hons) Bus Admin, Acc. Dir. (ICSA.) Tedburt Theobalds Director Valuation Surveyor and Agricultural Consultant BSc, MIS, MBA, ACIArb Acc. Dir. (ICSA.) Mauricia Thomas-Francis Director Business Management Consultant, Managing Director and Independent Senator EMBA, Acc. Dir. (ICSA) Agosta Degazon Director Permanent Secretary BSc (Accounting), MBA, C. Dir. Callistus Vern Gill Director Attorney-at-Law BA(Hons.) History & Sociology, LL.B (Hons.), LL.M Public International Law Juliana Alfred Director Permanent Secretary Bsc. (Hons.) Government/Political Science & History, Msc. Government/Political Science, C.Dir.