A Message from

Steve Swartz

Dear Colleagues,

I hope you enjoy our 2023 Yearbook, which captures in words, pictures and videos the impressive work you and our thousands of colleagues are doing to strengthen our company and our communities, enhancing the lives of so many around the world.

While the global economy and geopolitical climate made it a challenging year, thanks to your efforts, we came through in very strong shape.

We look to 2024 with a great deal of optimism.

All the best for the year ahead,

Steve signature

Steve Swartz — President & CEO