When you focus on service you have to integrate all front line staff so that sale and service are on everyone’s job description. Like TOPCU our front line staff have sales and service goals. We are focused first and foremost on checking growth. With checking as the foundation of every member relationship we can then focus on being the member’s primary financial institution. This seems to be the case at TOPCU.

When you focus on service you have to change many other things. You have to have to hire for sales and service; you have to motivate for sales and service; you have to measure all sales and service; you have to evalutate performance based on sales and service; you have to compensate based on sales and service; you have to design facilities based on sales and service; you have to manage processes based on sales and service and you have to make sure what you promote and advertise you deliver in sales.

I thank Raddon for the great report.

Henry