This year Latvia celebrates its 100th birthday and so do we! 20 years have passed and we are very happy for so many loyal clients and partners. We are very thankful for all our clients, partners and agents, who are choosing us as a business partner. A lot have changed in business and banking sector. Cryptocurrency has reached its edge, one of the biggest banks in Latvia has been liquidated, Money Laundering, Know Your Client and GDPR requirements has been supplemented and made us review all our procedures. Looking into the future we would like to help entrepreneurs that have substance of business and also to discover all the advantages of doing businesses in Latvia. Next year we will ask our clients to visit us and meet in person or organise skype meetings in order to know each other better, establish more personal relationships and have faster and more effective communication.