Scott Credit Union

PREFERRED VENDORS n Welch Systems, Inc. www.welchsystems.com The days of “banker’s hours” are long gone, but so are the days of long lines for depositing checks. Consumers today expect to be able to do what they want, when they want, where they want, and there is more variance than ever in what they want. Many consumers do most of their banking digitally, and only visit branches to open new accounts, or for loans, problem resolutions, or non-digital transactions (i.e. cash). Others prefer, or need, to do even basic transactions in person. Merely increasing or decreasing teller staff and drive-up hours is not sufficient for meeting consumer’s expectations or maintaining necessary efficiency. In order to meet today’s complex challenges and not burden your cost structure, traditional methods must be supplemented with automation. At Welch Systems, our branch transformation solutions – teller cash recyclers and self-service coin machines – automate time consuming manual processes, enabling more flexible and effective branch staffing models. Core integrated ITMs mark another leap forward in efficiency and service, providing consumers with 24-hour access to teller-line like transactions and funds availability via self-service, as well as the option for personal assistance from a live person through video or tablet. Branches may not be getting busier, but they are still very important to your customer base and for attracting new customers. Branch impact – the customer experience you deliver – will continue to be the competitive edge for your financial institution. Welch Systems is more than just one product, more than just one solution. Discover how our team can deliver comprehensive cash-handling solutions that connect with your business goals… for today and the future. n Mickes O’Toole, LLC www.mickesotoole.com Mickes O’Toole is dedicated to serving clients as a valued counselor and advocate. We have enduring relationships with our clients because we take time to understand their unique needs and craft personalized solutions. We are proud that our Banking, Public Finance, Education and Labor and Employment practices have been recognized for their excellence. As the largest minority-owned law firm in Missouri, we value diversity and recognize the competitive advantage our diversity provides to our clients. successful we share that with our members. Over the past 12 years, we’ve paid out over $12 million to our members via the bonus dividend and loan interest rebate. You don’t see that at a conventional, for-profit bank. I feel this is the purest business model; our members are our owners. And our members comprise our volunteer Board of Directors. It’s pretty simple. If we do a good job for our members who are directing us, then more people will want to do business with us. And we’re not driven by profit, per se, where we’re trying to squeeze every nickel out of people. We’re trying to create the most value we can for our membership. It causes us to be incredibly efficient and that’s a great challenge to have.”