With current economic conditions, a weakened real estate market, rising non-interest expenses and shrinking margins, credit unions are looking for ways to remain profitable and maintain high levels of service for their members. Overdraft Privilege from Servicecorp and John M. Floyd & Associates (JMFA) gives credit unions the opportunity to substantially improve their bottom line and provide a valuable service to their members.

JMFA Overdraft Privilege®, which has been used successfully by many Indiana credit unions, is nondiscriminatory, completely automated, 100 percent compliant and has a proven track record of producing more income and fewer charge-offs. And, their attention to compliance is one of the many things that make JMFA an industry leader.

By partnering with Servicecorp and JMFA Overdraft Privilege®, you can expect a program that provides the following:

• Complete analysis and recommendations
• Turnkey installation
• On-site employee training
• Software upgrades and complete program follow-up for as long as necessary
• Collection and management software
• 100% core processor compatibility that automates overdraft privilege management
• 100% compliance guarantee

Whether you have an overdraft program or not why not go to the experts. You really have nothing to lose and everything to gain!

Program Success Stories:
Eli Lilly Federal Credit Union (IN)
KEMBA Credit Union (IN)
Lampco Federal Credit Union (IN)
Madison County Federal Credit Union (IN)
Via Credit Union formerly Marion School Employees Federal Credit Union (IN)
MidWest America Federal Credit Union (IN)

To learn more about this valuable product, contact Diana Arnold at Servicecorp (800) 285-5300, ext. 5359, or visit www.JMFA.com for your free Overdraft Privilege Analysis.