To our President & CEO, Dr. Bliss D. Cuiting, to our VP & GM, Mr.

Angelito Carbonilla, to all

members of the Board of Directors present, to my fellow officers and employees, and to all our
distinguished guest from fellow institutions, a pleasant evening to all.
Christmas has a very special meaning for all of us regardless of our religious beliefs, because it is
a holiday built around the concept of the family. What began with Joseph and Mary and the
infant Jesus in the manger in Bethlehem--the sentiments of togetherness and love--has spread
over the centuries to millions and millions of homes. And as a result, regardless of where it is
around the world, I think it has become an almost universal blessing. This gathering for example
is a strong proof. Once a year, we come together to celebrate as one family despite the
distance and differences.
I hope that you all enjoyed our party tonight and while it appears that we will have to continue
to face some more challenges in the next year, it is reassuring to see that we are facing them as
a unified, hopeful force.
Having said this, may the love, joy, and happiness of the season be with you this Christmas, and
in the coming year. Thank you!