JOHN M. FLOYD & ASSOCIATES OVERDRAFT PRIVILEGE

Financial institution management, namely business management services for financial institutions; business consulting, namely economic, reulatory, earnings improvement and stratgic planning consulting for financial institutions; business marketing consulting, namely, overdraft privilege marketing program design and implementation

Checking account overdraft privilege services for banks, namely providing services that allow banks to offer overdraft privileges to their customers; overdraft privilege management services for banks; financial consultation in the field of deposit accounts; financial, economic, regulatory, earnings improvement and strategic planning consulting for financial institutions; overdraft privilege product design

Training for design and implementation, monitoring and reporting of overdraft privilege programs

Computer consulting services, namely integration of overdraft privilege products into data processing systems