resulting in irll~)roved I)ro(lu(’tiv-itv and i]llerr]al ol~(:ratil)g effi(.ierl(’ies. l]) af{dilion, ext(:llsi~ e renlodelillg and re(le(orating was re(;ently (Iorll[]leted in First Federal-s Nlairl Bank office in Stornl lake, These irnl)ro~ ernents ha}e (’rested a lnore customer-friendly retail banking environment and are benefiting our staff in their effotis to serve customers more efficiently.