Dear Friends,

On behalf of the PBB family, we wish you good health, abundance, and prosperity in the Year of the Snake.

As aptly described by our tagline. "We Make Things Happen...Today!" may thus be a rewarding year for you and your family, with PBB beside you.

We thank you for your continued support, and look forward to working with you all on this year and the years to come.

KUNG HEI FAT CHOI!

Sincerely,

Alfredo M. Yao

Chairman Emeritus