The hot topic in the news (particularly in my line of work) these days is Artificial Intelligence (AI). The development of AI, and what is available in terms of our systems, products and services is impressive. In fact, there is a darn good chance I could have used it to write a more compelling message than this! Call me old school, but I prefer to put my thoughts into my own words. We were recently having a similar conversation around banking choices. The banking industry has a term "primary financial institution (PFI)." It is a benchmark we use to measure our performance. Do members come to us first for their financial needs? There are a lot of foretelling's about how AI, and advancements in technology will impact that choice. My prediction is that folks will gravitate toward the value. The fact is AI can help identify many facets of value, but a human element remains. MMFCU is committed to both bricks and clicks (traditional service and strong digital products). You may not visit the branch often, but it is there when you need it. Moreover, life demands the convenience of our digital banking services. We back all of this with a committed, knowledgeable team, and there in lies the value. Thank you for making MMFCU your first choice, we are with you all the way. Bob Gerads President/CEO Read Summer 2024 InTouch