var textForPages =["    STEP 1: COMPETITIVE INTELLIGENCE | INCOME OPTIMIZATION TM TM                                                                 THE PROFITABILITY ENHANCEMENT PLAYBOOK The Profitability Enhancement Playbook - Part One "," OBJECTIVES TM           INCOME OPTIMIZATION Increase Non-Interest Income Maximize Product Profitability Reduce Revenue Leakage COMPETITIVE INTELLIGENCE Enhance Product & Service Offerings Improve Visibility of Competitors & Markets Improve Strategic Position in Key Markets    VALUE PROPOSITIONS        ROI Guarantee Actionable Intelligence Third-Party Perspective          Holistic Assessment Resource Efficient Customized Engagement                   ©2020 Ceto and Associates                           ","  TM         INCREASING REVENUE & PRODUCT PROFITABILITY The Profitability Enhancement Playbook - Part One   "," HIGHLIGHTS TM              INCOME OPTIMIZATION Market View is a unique income optimization program that focuses on revenue generation, product profitability, and product pricing and design. As part of the engagement, the performance, pricing and characteristics of more than 360 revenue areas will be examined on both sides of the balance sheet, including all loan products, deposits products and ancillary services – both consumer and business. Our program is customized for your organization, business model and corporate culture. The deliverable is a comprehensive report of analyses and findings with specific, quantified recommendations for your products and services, tailored to your strategy and customers or members, that will enable your financial institution to substantially increase its annual earnings on a recurring basis.      360+ Revenue Areas Assets Liabilities Ancillary Services             ©2020 Ceto and Associates Ceto and Associates a management consulting firm Product Pricing & Design Product Alignment & Optimization Product Profitability Product Revenue Leakage   "," HIGHLIGHTS TM              COMPETITIVE INTELLIGENCE Market View is a competitive intelligence solution that includes a detailed competitive analysis to compare your organization with your primary competitors in your various markets, including banks, credit unions and/or non-traditional financial institutions. You select your competitors and markets for every line of business. Then, our experienced consulting teams collect the necessary data and information through mystery shopping and market research. This engagement is designed to provide actionable intelligence and invaluable insight into your markets, competitors and revenue opportunities, with two primary components: a Competitive Analysis and a Product & Service Assessment. Strengths, weaknesses and income opportunities for all products and services will be evaluated.      Local Market Study Your Market Competitors Banks Credit Unions              Market Mystery Shopping Rate & Fee Competitor Data Product Pricing Research & Surveys Information & Analysis & Comparisons The Profitability Enhancement Playbook - Part One ","BENEFITS TM           DISTRIBUTION OF BENEFITS  96% Non-Interest Income     BENEFITS 2% Interest Income 2% Interest Expense       Ceto and Associates a management consulting firm    NEW INCOME ANNUALLY LOW HIGH BENEFIT BENEFIT  TOTAL ASSETS $250 M $500 M $750 M $1.0 B $2.0 B $3.0 B $4.0 B $5.0 B $10.0 B $25.0 B  $250 K $500 K $750 K $1.0 M $2.0 M $3.0 M $4.0 M $5.0 M $10.0 M $25.0 M $500 K $1.0 M $1.5 M $2.0 M $4.0 M $6.0 M $8.0 M $10.0 M $20.0 M $50.0 M   10 - 20 BASIS POINTS OF TOTAL ASSETS ","SCOPE     TM        DISTRIBUTION OF SCOPE       38% Deposit Products 34% Ancillary Services SCOPE 5% Courtesy Overdraft Program 23% Loan Products      NATURE OF RECOMMENDATIONS       33% Product Pricing 9% Product Alignment & Optimization 12% Leakage    RECOMMENDATIONS    29% 17% Product Design Un-Priced Services  The Profitability Enhancement Playbook - Part One  ","SCOPE TM             ASSETS More than 85 areas | 3 major categories                  COMMERCIAL LOANS LOAN PRODUCTS MORTGAGE LOANS 1st Mortgage Fixed & Variable Portfolio & Secondary CONSUMER LOANS Home Equity Loans HELOC Auto/Motorcycle/Boat/RV CD/Savings/Stock Secured Unsecured Term Loans Overdraft/Unsecured LOC Credit Cards Payment Deferral Programs Commercial Real Estate Commercial & Industrial Construction & Development Commercial LOC Ceto and Associates ©2020 Ceto and Associates a management consulting firm    ","SCOPE TM             LIABILITIES More than 135 areas       CHECKING ACCOUNTS Free • Basic • Premium • Rewards Balance Requirements Monthly Service Charges Features & Benefits Relationship Pricing & More CHECKING ACCOUNTS Free • Small • Mid-Tier • Analysis Balance Requirements Monthly Service Charges Features & Benefits Relationship Pricing Item Allowance & More CONSUMER DEPOSITS SAVINGS & MMAS Basic • Passbook Premium • Rewards Balance Requirements Monthly Service Charges Features & Benefits Regulation D & More BUSINESS DEPOSITS SAVINGS & MMAS Basic • Premium Balance Requirements Monthly Service Charges Features & Benefits Regulation D & More CDS & IRAS Tier & Withdrawal Penalties Annual Fees Transfer Fees          CDS Tier & Withdrawal Penalties The Profitability Enhancement Playbook - Part One ","SCOPE TM             ANCILLARY SERVICES More than 140 areas    MISCELLANEOUS SERVICES & FEES     CASH & TREASURY MANAGEMENT ACH Processing Remote Deposit Capture Zero Balance Accounts Investment Sweeps Positive Pay Lockbox DEPOSIT SERVICE CHARGES Cashier Check & Money Orders Stop Payment & Charge Back Fees Wire Transfer Fees Check Cashing Legal Fees International Transactions & Fees Dormant & Inactive Accounts Other Deposit Service Charges OTHER SERVICES & FEES Courtesy Overdraft Program Electronic Banking ATMs Safe Deposit Boxes Other Ancillary Services Ceto and Associates ©2020 Ceto and Associates a management consulting firm    ","SCOPE TM              WEALTH & TRUST MANAGEMENT More than 10 areas          INVESTMENT MANAGEMENT TRUST MANAGEMENT FEES & BREAKPOINTS MINIMUM ANNUAL FEES TERMINATION & DISTRIBUTION FEES MISCELLANEOUS FEES Extraordinary/Special Circumstance Fees Real Estate Management Fees Sale of Property Fees Acceptance Fees Tax Services Fees    The Profitability Enhancement Playbook - Part One ","METHODOLOGY TM           Elapsed Time    PHASE 1 ASSESSMENT Data Collection & Interviews \[3 Days On-Site\] 60 Perform Analysis & Identify Opportunities Report of Findings & Recommendations Days   \[1 Day On-Site\]   PHASE 2 IMPLEMENTATION Develop Implementation Plan Assist in Execution Create Reports for Results Measurement Ensure Successful Implementation 60 Days       PHASE 3 MONITORING Develop Monitoring Reports Train Personnel on Monitoring Methodology Monitor & Summarize Benefits Monthly 3-6 Months    Ceto and Associates ©2020 Ceto and Associates a management consulting firm    ","PROJECT TIMELINE TM            Phase 1 Assessment         Implementation       Monitoring Phase 2 Phase 3              Today DIAGNOSTIC \[3 days onsite\] August REPORT OF FINDINGS \[1 day onsite\] October MANAGEMENT DECISIONS December IMPLEMENT RECOMMENDATIONS Q1 2022 MEASURE BENEFITS Q2 2022     July EXAMPLE August Start Date   LOCAL MARKET STUDY The Profitability Enhancement Playbook - Part One ","Ceto and Associates a management consulting firm    ceto.com "];