As this year comes to an end, we want to thank you for your partnership. There is so much that we can say about the unprecedented nature of what we experienced together as a nation and as part of a global community. However, our hearts remain grateful and humble at the same time that during such pandemic, we were still able to meet the needs of our clients. COVID-19 allowed our team to grow, create opportunity and innovate. We are so proud of the individuals that make up Quality Mortgage Services. As we close, our prayer is that 2021 will fill you with love, hope, peace, joy, provision, kindness, health, wellness, provision, resilience, vision, endurance and the strength to catapult you into your purpose for this coming new year. From the QMS family to yours, may you have a Merry Christmas and a Blessed New Year 2021. The QMS Team.