What products should we offer? Who should we hire? What should our hours be? The across-the-board answer is actually another question, and it’s always the same: What does the client need? The client is at the heart of every decision we make. This client-centric focus has been an integral part of Waterford’s “mantra” of redefining relationship banking from day one. That said, in the end it’s not so much about who we are, but what we’re all about. And what we’re all about is you.