A Strategy of Aggressive Branching Growth

We plan to double our number of branches, from 26 to 51 in five years. We expect much of our growth to come through member business services and will tailor the branches – in a hub-and-spoke arrangement – to accommodate this work. The branches will have small footprints, small staffs and, for ordinary transactions, half a dozen video–teller machines




April 1, 2005



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