First Federal Savings & Loan Association

Schlotfeldt declares, “We’re going to stay locally-owned and that’s why we’re building our new office headquarters. We’d like to increase market share; improve efficiency, margins, and profitability. But I think the biggest test of time or the biggest achievement will really be to capture that next generation of customers and account holders. To do that, we need to stay relevant to the customer’s ever-changing preferences, and improve our ability to deliver, as each generation has its own expectations of satisfaction. We’re in this for the long term and therefore we’re going to do the right thing, ahead of making more money for the quarter.” PREFERRED VENDOR n Elan Financial Services www.elanfinancialservices.com/credit-card