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2007 1st Quarter:

We’re Transforming Our Business to Bring You More…

Message From Jeff Heggedahl

Jeff Heggedahl

Harland is embarking on one of the most exciting times in its history. After more than 80 years serving financial institutions, we’ve widely expanded our capabilities, and in doing so, we’ve developed a keen understanding of the issues confronting you. We recognize the challenges of an increasingly competitive environment characterized by consolidation and the proliferation of alternative banking means. We’re aware of the market forces at work today that squeeze rates on each end of the loan-deposit spectrum. We also know the pressure from ever-more demanding consumer and business markets that pose challenges to enhancing performance.

To address these concerns and to significantly and positively impact your financial institution’s performance, Harland is transforming its business to bring you more — more integration, more capabilities, more insight, more results. In fact, today, Harland has more ways* to help you achieve your performance goals than ever before.

In this issue of Delivering Value, Erie Federal Credit Union and Heritage Federal Credit Union share how Harland’s e-mail marketing solution is helping them reach accountholders and boost profi ts. In our Client Cases segment, Flagstar Bank reveals how Harland’s onboarding capabilities are helping them enhance new accountholder relationships and build loyalty. Also in this issue, we take a look at the fast-growing Hispanic market and off er tips on ways to reach this highly infl uential consumer segment.

Harland is proud to offer you more than any other company serving financial institutions. When woven together, our integrated payment, technology, and marketing solutions help you drive, affect and measure results in every area of your business.

Contact us today. We’re here to help you do more!

Best regards,
Jeff Heggedahl
Harland Printed Products