Thank you for the guidance, care and management of my situation for the last two (or is it three decades). I am beholden to you for the great job you do and appreciate the integrity with which DFS operates.

23 January

Dear Andrew and DFS Team

Please allow me to reciprocate best wishes for Christmas and the upcoming year of 2023.

Thank you for the guidance, care and management of my situation for the last two (or is it three decades).

I am beholden to you for the great job you do and appreciate the integrity with which DFS operates.

Regards.

Henry Gray

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Thank you for the guidance, care and management of my situation for the last two (or is it three decades). I am beholden to you for the great job you do and appreciate the integrity with which DFS operates.

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