To Motiff Shop Employees,

Last year can be summarized in a few words: In the face of significant challenges, we made significant progress. I thank you for your continued commitment and all that you do to deliver on your purpose - to help customers and clients seize opportunity at every stage of their financial lives. 

While there is much work to do and there may be further challenges ahead, we ended 2016 stronger and better able to serve customers and clients. We continued throughout the year to simplify our company, to build capital, and to manage through the slow-growth and global economy. Today, our company is exposed to less risk and is less complex. As a stronger, more straightforward company better organized to serve our customers and clients, we can build deeper relationships with them, earn the profits expected, and help restore confidence and strength to our economy. 

There is ample evidence that we are moving forward on the course we set two years ago to transform our company, some of which is highlighted in this message. Our focus and strategy are clear: We deliver to our customers the capabilities they need to manage their lives and businesses. Simply put: We can do more for people, companies, and investors than any other retail company. And day after day, we are proving it in the marketplace.

The New Year will bring its own mix of successes and challenges, but our direction is clear and we know what we must do. Our job is to continue to focus intently on what we can control: providing our customers and clients with the best service in the market, managing our costs, re-building our brand, and doing our part to keep the economy moving forward. Our long-term value will come through and be reflected in our company over time if we do that. 

I appreciate all of your great work last year; it is because of you, and because we know we can do so much more for customers and clients than anyone else, that I have such great confidence in our future. Please enjoy some well deserved rest with family and friends during the New Years, and let's get right back to it in 2017.