O'NEILL--Brian. It is with a sense of great sadness and loss that the Emigrant Bank acknowledges the death of Brian D. O'Neill, a valued member of its Board of Directors. Mr. O'Neill died at his home in Jackson Hole, Wyoming on December 20, 2019. His penetrating insights, wisdom and friendship will be sorely missed. We extend our most sincere condolences to his family. Howard P. Milstein Chairman, Emigrant Bank