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By the time you get to the end of this sentence, we'll have changed. As the markets constantly move, so do we. Our innovation and ability to stay ahead are what give our clients the edge to meet their strategic needs, today and tomorrow. Since our inception some 200 years ago, we've evolved to offer the whole spectrum of global banking and financial services and in many cases helping to define them. It is the combination of character, product strength and intellectual capital that sets us apart as an industry leader. We invented the concept of relationship banking back in the nineteenth century, and we are still doing first-class business in a first-class way.