My name is Heath Fountain and I'm the Chief Financial Officer in HeritageBank of the South. I'm going to talk to you a little bit about investing in technology for your business today. The HeritageBank, we're a community bank and we're a lot smaller than the big banks in America but we have to invest in technology just like they do so we can keep up.

So we invest in internet banking. We invest in mobile banking. We have just released an App for the iPhone that we think is really a popular thing. We have to invest in our technology because the larger companies out there are doing the same thing. Fortunately, with the calls and with technology, the calls have come down and so it's easier today for your investment dollars to go further in technology. And we think it's really important for us and for most businesses.

There's also things that don't cost as much like Facebook and Twitter that is important for many businesses to have a presence in. Then you have many numbers of different things that you can invest in technology to help improve and help your business be more efficient. Help gain more customers. Help keep your calls down.

So there's a lot of really good things to invest in for technology for your business. Please be sure to check our website eheritagebank.com or visit us on Facebook. You can see our new iPhone app on the iTunes App Store or visit our website.