The Association now looks forward to providing its members with new and exciting ways to improve their sources of revenue and reduce expenses. The first such rapidly emerging trend and opportunity we see is in the mobile banking sector. See Wall Street Journal article entitled “Lenders Place Their Bets on Mobile Banking,“ which was run on April 9th, 2014. We ask that you respond to the Mobile Banking Survey to help us better identify the opportunity. What you can count on from the Association is that we will ensure our members have the best available information in our Sub S Bank Reports with a focus on the highest standards from a regulatory and best practices point of view.