customers and we will continue to do so$.$ But we must serve them more efficiently and creatively than in the past."

The Bank of Bramblewood promotes a sustainability initiative encouraging all transactions increasingly to be paperless. Each time the bank issues checks

sends out a paper statement, it includes a promotion asking customers to support methods that eliminate paperwork. The bank encourages customers to

use debit cards, smart cards, direct deposit, and direct payments, as well as online statement retrieval. All of these tools are used in conjunction with the

bank's

Multiple Choice

limited documentation checking program.

check clearinghouse system

automated deposit system

electronic funds transfer system.