• Significant Increase in NET NSF Income
  - (in many cases, double)
  
  
• No New Capital Investment Required
  
  
• No Increase in Operating Costs
  
  
• No Additional Personnel
  
  
• Non-Interest Income Boost
  
  
• Significant Increase in ROE
  
  
• Significant Increase in ROA
  
  
• Managed Risk
  
  
• Increase in Net Profit
  
  
• Comprehensive Implementation
  
  
• Favorable Risk-Reward Ratio
  
  
• Marketing Assistance
  
  
• Customer Goodwill and Public Relations
  
  
• Cost is Performance-Based
  
  

• Cost (Contingent And Reasonable)
  
  
• Small Increase In Charge-Offs
  
  
• Does Not Fit Marketing Plan
  
  
• Do Not Like Outsourcing
  
  
• May Require Bank: **
  
  
  • To Change Attitude
    
    
  • To Change Philosophy
    
    
  • To Change Mindset
    
    
  • To Be Innovative
    
    
  • To Be Progressive
    
    
  • To Try Something New
    
    

** All of these perceived disadvantages will become ADVANTAGES as the process unfolds and customers react to the new product/service.