2003 Annual Report: Raising the Bar in Product Innovation (Page 3 of 4)

Because it allows us to sell mortgage products in our banking centers, LoanSolutions® expands our ability to get more mortgage loans to more families in all our communities. It also enables our associates to assess their customers' banking needs and offer them additional products and services.

Although it might be a while before we see a mortgage market as robust as that of 2003, the product and process improvements we've already made will continue to benefit our customers and keep us competitive in any interest-rate environment.

Future enhancements will allow customers to track their mortgage loans throughout the fulfillment process, in real time, from their home or office computers, in much the same way many of us track package deliveries today. We're also looking at ways to adapt some of the advantages we designed into our streamlined mortgage process so that our customers can utilize them in applying for and using credit and debit cards.