The New Year comes to give us a fresh hope for a better future and success. It gives us the
dream that we will face challenges with confidence. Last year’s words belong to last year’s language, and next year’s words await another voice. Let these new beginnings signify new chapters filled with pages of success and happiness, as the dawn of 2017 brings many opportunities for us to work together.

##And especially to our Members…##

As we reflect on the past year, we think of those who have helped us shape the future for BFSB. You have made our progress and achievements possible and we say *”Thank You!”*. We value your support and partnership and look forward to working with you in 2017. We are confident that the jubilant New Year marks a fresh new start of brighter and more exciting journeys.

*”Learn from yesterday, live for today hope for tomorrow.”* (Albert Einstein)