Expense management remains a high priority. We always look for ways to utilize technology to drive positive operating leverage. For example, this year we will start to roll out interactive teller machines, or IPMs, to select markets. This achieves several objectives. It will permit us to increase hours where necessary to better serve our customers. We can also leverage staffing in our centralized customer care team to assist our customers throughout the ITM footprint. This will reduce our need to augment our branches with additional teller staff, a group of employees that has experienced a lot of disruption and workload over the last 18 months.

Jan 27, 2022 / CEO / receipt, needs a key / Brad Elliott, CEO | earnings call 2022-01-27 | transcript 53a20297-a992-4e69-a88b-90d7730fc84f | chars 11290-11942 | segment 11

Expense management remains a high priority. We always look for ways to utilize technology to drive positive operating leverage. For example, this year we will start to roll out interactive teller machines, or ITMs, to select markets. This achieves several objectives. It will permit us to increase hours where necessary to better serve our customers. We can also leverage staffing in our centralized customer care team to assist our customers throughout the ITM footprint. This will reduce our need to augment our branches with additional teller staff, a group of employees that has experienced a lot of disruption and workload over the last 18 months.

Jan 27, 2022 / CEO / receipt, needs a key / Brad Elliott, CEO | earnings call 2022-01-27 | transcript 53a20297-a992-4e69-a88b-90d7730fc84f | chars 36497-37149 | segment 37