sophisticated fraud protection using an embedded microchip that converts customer information into a unique code when used at a chip-enabled ATM. Because the code is difficult to duplicate or copy, transactions at chip-enabled ATMs are fundamentally more secure. BayCoast Bank debit cardholders can now download an app called My Mobile Money, which helps them to control and monitor card usage anywhere, anytime using a mobile phone. The app offers fraud alerts, spending limits, ability to turn a card off and on, and other customizable controls to determine how the card can be used. Our Online Banking app also underwent a facelift, using a web design which makes web pages adjust to the size and shape of a variety of devices and window or screen sizes. Whether you’re on a tablet, a smartphone or a desktop, the app’s responsive design makes it easier to read and navigate, make payments, check account information, transfer funds, and more. As we do annually, the E-Commerce Department offered free CyberSecurity seminars for businesses and consumers. Our in-house experts shared information on how to protect against internet fraud that included education about malware, phishing, pharming, card-cracking, email and telephone scams, identity theft and other risks, and specific prevention techniques. In conjunction with the on-site seminars, we offered the programs as free webinars. In the year ahead, we will continue to explore new technologies to ensure the safety and security of our customers in the digital realm. As a community bank, BayCoast is committed to being relevant for our customers in a rapidly changing world. There are so many choices in the marketplace, not just in the selection of financial institution, but in banking services offered by non-bank competitors and direct banks which offer their services exclusively online. But we also know that BayCoast has an advantage over those types of competitors: we have a physical presence in our market, with an expanding branch network and a highly trained staff to provide exceptional service and solutions, both online and in person. We focus on making the customer journey seamless, using technology to improve one-to-one engagement – not to replace it. In 2017 BayCoast invested in renovations to its Troy Street, Fall River location, not only updating its appearance, but adding important new technology such as drive-up and walk-up Interactive Teller Machines (ITMs) which provide our customers with access beyond normal lobby hours, from 7am - 7pm Monday through Friday and 8am - 2pm on Saturdays. By year end the Bank was preparing for a January opening of its 18th branch, in Little Compton and the Bank’s second branch in Rhode Island. Customers in the Attleboro area can also use BayCoast ITMs located at our new Commercial Loan Office there. All BayCoast branches have become transformed into advisory service hubs where the focus is less about transactions and more about a positive consumer experience that depends on well-trained employees for guidance. Offering more Our 2017 Troy Street, Fall River branch renovation included drive-up and walk-up Interactive Teller Machines (ITMs) which provide our customers with expanded hours. Community Banking and E-Commerce Consumers have more options than ever in the way they do their banking business. than just traditional bank products and services, BayCoast branches serve as a “one-stop shop” for financial services, investments, insurance, and more. We further expanded our digital security and e-commerce services throughout the year, starting with the addition of chip card readers at all of our ATMs. Chip technology adds an extra layer of