We have modernized nearly every layer of our technology environment to enhance the Bank’s continuity and security posture by ensuring our essential systems operate in highly protected environments with around the clock monitoring, redundant power, and hardened physical safeguards. Security remains our greatest responsibili- ty, and numerous upgrades to our de- fenses have been implemented including improved authentication, next generation firewalls, dark web monitoring, advanced malware detection, and multiple layers of fraud protection for our customers. Investments in customer facing technol- ogies have been equally significant. We introduced an easier, more secure online account opening system, making it faster for customers to join our Bank while reducing the risk of fraud. We expanded our digital services by integrating elec- tronic signatures, shortening turnaround times, reducing paperwork, and improv- ing the overall customer experience. We also expanded customer support to 7 AM to 11 PM Monday through Friday and 9 AM to 5 PM on weekends and holidays, including bilingual support, to serve our customers when they need us. These efforts represent only a portion of the transformational work completed in recent years. But taken together, they tell a clear story: we have deliberately built an institution designed for strength, reliabil- ity, and providing a satisfying customer experience, not merely keeping up with industry change, but staying ahead of it. Management is committed to continuing these investments, strengthening our foundation today to ensure that First Bank and Trust Company remains strong, resilient, and built to last for generations.
TECHNOLOGY and Innovation Over the last several years, First Bank and Trust Company has made significant, forward looking investments in technolo- gy and infrastructure to ensure we remain strong, secure, and positioned for long term success. While much of this work happens behind the scenes, these efforts form the foundation that allows our cus- tomers, communities, and shareholders to place their trust in us, today and for decades to come.
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