I am pleased to recommend Modern Banking Systems as a core service provider. Our bank has been a client of MBS for more than 30 years. In 2018, we decided that we should spend more time with our customers and growing our bank so transitioning to Service Bureau from in-house was a good fit for us. Our partnership allowed us to grow from a $1OM bank to a $5OM bank. MBS has helped us through Y2K, cybersecurity, bank exams, IT audits, and now the pandemic.