Clarksburg Commercial Bank Selects COPS for Overdraft Processing and Revenue Enhancement; Solutions from Profit Technologies to Benefit Customers, Bank and Shareholders.

DAVIDSON, N.C. -- Clarksburg (Ohio) Commercial Bank has selected the Courtesy Overdraft Processing System(TM) (COPS)(SM) from Profit Technologies to manage overdraft processing. As part of the engagement, Profit Technologies will also review revenue enhancement opportunities.

Replacing the bank's current manual system, COPS will automatically adjust overdraft limits based on individual account activity and the bank's unique risk tolerance profile and operational needs. COPS will improve risk management controls while providing a valuable service to customers, with the added benefit of increased revenue. Clarksburg Commercial Bank selected Profit Technologies based, in part, on the recommendation of the Community Bankers Association of Ohio, which recently endorsed the company to its members.

"By automating our overdraft processing through COPS, we can provide better service to our customers and improve our risk management," said Jeff Meeker, president of Clarksburg Commercial Bank. "Furthermore, the Revenue Enhancement engagement is guaranteed to increase shareholder value without impacting our operations or our staff."

COPS is a complete end-to-end processing system that includes risk management, overdraft processing, collections and recovery. Unlike other overdraft programs, COPS does not apply universal limits based on account type; rather, the solution applies bank-specific parameters to each account and, based on that individual account's activity, adjusts overdraft limits on an automated basis. The solution applies to electronic point-of-sale (POS) and ATM transactions, as well as paper checks.

"Community banks must offer the same services as larger banks, but oftentimes there are no solutions available built specifically for them," said Cliff McKee, executive managing director at Profit Technologies. "COPS was built with banks like Clarksburg Commercial in mind and, as a result, benefits both the customer and the bank."

A Profit Technologies Revenue Enhancement engagement involves the identification of strategic and tactical initiatives that create increases in income without a corresponding increase in expenses. Many of the revenue enhancement initiatives come from the firm's Value Creation Strategies(TM), a collection of best practices identified by the firm throughout its 30-year history. Profit Technologies guarantees a return on its revenue enhancement services by charging a portion of measured returns rather than an up front fee.

About Profit Technologies

Profit Technologies is an international earnings enhancement firm providing specialized profitability and performance improvement solutions to enterprises worldwide. Since its inception in 1973, Profit Technologies has successfully performed over 700 engagements, producing over $12 billion in revenue acceleration, alternative revenue source, cost recovery and cost reduction benefits for its clients. For more information visit www.profit-tech.com.