Everywhere I go, I see people using their phones, tablets and ATMs to complete banking transactions that once required a visit to the branch. There's even a school of thought that banking centers will someday go the way of the fax machine.

We couldn't disagree more. Consumer behavior has changed significantly, and a lot of that has to do with technology. As consumers' behavior changes, banks are adapting with them. We know we need to provide customers with a seamless experience across multiple delivery channels. We've asked our customers how they want to bank with us. They've told us they want choice and control – access to financial products where, when and how they choose.

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