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John, along with JMFA, is an industry leader in overdraft privilege programs a fact the industry readily acknowledges. He has appeared on CNNfn and CNBC, before the Consumer Advisory Council to the Federal Reserve System and the American Bar Association�s Business Law Section as a spokesperson on overdraft privilege programs. His international bank profitability consulting firm has helped clients with competitive pricing, new product marketing and profitability performance by product and product line. He holds a B.S. in Accounting from Sam Houston State University and was a Profit-Planning Manager for Texas Commerce Bank-Houston prior to becoming an industry consultant to credit unions, banks and thrifts. During thirty years of consulting, he has expanded his work to include operational, financial and delivery system issues of the financial services industry. His diverse consulting assignments have brought positive results to more than 2,000 financial institutions in the United States and Central America, adding billions in increased pre-tax earnings for his clients. | 