In an era of overwhelming

compliance, Ceto and Associates, a national consulting

firm, has worked with credit unions nationwide to help

them convert non-interest earning assets to

interest-earning assets.
Along with its companion book, Information Security Roles and
Responsibilities Made Easy, these guides provide the best way for
organizations to rapidly and economically document their critical information
security functions and to demonstrate compliance with the standard of due
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improving continuous

IRVING, Texas, RJR Insurance Services, Inc.

deliver sourcing

Douglas Ceto can discuss:


-- Specifics on how credit unions can segment accounts,
reclassifying deposit accounts to earn interest and
reduce reserve requirements

Deposit Reclassification - case studies on how, and
why, it works

How Ceto's 700-plus deposit reclassification clients
have collectively increased annual earning assets by
$4. (RJR)
is pleased to announce promotions of key members of management in anticipation
of sales projections.shcmarketing.

improving continuous

Business Editors
ADVISORY .

Contact: Visit Ceto at Booth #809 at GAC, or contact
Jennifer-Robyn Dunn at 678.781.

siebel objectives

Ceto and Associates places their client's needs
in the forefront and designs solutions tailored to their culture,
goals and objectives. Ceto and Associates has earned the trust and
improved annual revenues of more than 700 financial institutions
across 50 states.

improving seminar

Information Shield Announces New Version of Leading Security Policies Library; Information Security Policies Made Easy Version 10 Now Available

David L.

siebel whitepapers

"
"Because there are so many different considerations, policy writing can be
a daunting task, but with ISPME, organizations can quickly identify and
document best practices," said the author Charles Cresson Wood.

Robert A. Douglas, VP Senior Consultant Sales, Senior Healthcare
Consultants (SHC)

SHC Focus: Senior Market Captive Agent Consultant Sales Force
Douglas has over 20+ years of previous sales management experience and 3
years of sales training experience with SHC.

insight crm

. (RJR)

RJR Focus: Exclusive Career Agent Distribution Systems
Chambers possesses over 4 years of management and training with RJR.

roi relationship

641.

For further information on this company and/or its managers, view its
primary corporate website at http: //www.

loyalty ebook

easily crm

About Information Shield
Information Shield is a global provider of information security and
privacy leading practices.

continuous achieve

888. He also successfully re-
designed SHC's entire Base Consultant University (BCU), which serves as a
virtual-classroom environment training program for educating product
knowledge, market compliance, and the training of basic sales skills
imperative to producer success with SHC.

customer relationship

Through the implementation of

Ceto's Deposit Reclassification solution, credit unions

have the ability to legally reduce reserves, free up

excess funds for investment, with little to no impact to

their members .cetoandassociates.

improving continuous

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easily siebel

Deposit
Reclassification is a process by which a portion of your
institution 's transaction accounts can be classified as
savings deposits, which are not subject to Reserve
Requirements .7205

About Ceto and Associates

Founded in 1994 as a national consulting firm in the financial
industry and headquartered in Atlanta, Ceto and Associates specializes
in developing solutions to provide financial institutions the ability
to increase profitability through the implementation of revenue
enhancement programs.

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5 billion

A simple disclosure process - important for the credit
union, easy for its members

Helps restructure money market and savings accounts to
add greater transaction flexibility

What: Deposit Reclassification represents a unique opportunity
to convert non-interest earning Reserve Requirements into
an interest earning asset. Chambers, CMO, RJR Insurance Services, Inc.

Previously: Regional Sales Manager Senior Healthcare Consultants (SHC);
National Director SHC Sales Trainer Staffs.

entrepreneurs easily

HOUSTON, Information Shield, a leading developer
and distributor of information security best-practices, today announced the
release of Version 10 of Information Security Policies Made Easy (ISPME) by
Charles Cresson Wood, CISSP, CISM, CISA.

Previously: Regional Sales Manager Senior Healthcare Consultants (SHC);
Vice President Senior Consultant Sales (SHC).

mcgaughey loyalty

ATLANTA----

Who: Douglas Ceto , senior vice president of Ceto and
Associates, can provide expert commentary on how credit
unions can comply with Regulation D and reduce reserve
requirements at the same time.

titled seminar

ADVISORY/Improving Profitability While Staying in Compliance with the Fed's Regulation D

.com

ISPME V10 is the newly updated
version of this leading security policy resource , containing over 1300
pre-written policies covering the latest technical, management and regulatory
issues. "This book
can save organizations thousands of dollars and hundreds of hours in the
policy development and update process. Headquartered in Houston, Texas, Information
Shield's library of security publications allow organizations to effectively
build policy-based security programs that focus on compliance with
international regulations.

exec deliver

This new version has updated policies covering the latest security topics
challenging our customers such as PDA and mobile phone security, wireless
networks, Voice Over Internet Protocol (VOIP), outsourcing, SPAM, phishing
attacks, and regulations such as HIPAA and Sarbanes-Oxley. Involved in
the information security field as a consultant since 1979, Wood has done
consulting for over 100 different organizations around the world.

seminar objectives

"For years ,
Information Security Policies Made Easy has been the gold-standard for
security policies, used by more than 7000 customers in 59 different countries.

Tools, services

deliver siebel

RJR Insurance Services Inc. and Senior Healthcare Consultants Announce Promotions of Key Management

crm profits

On average, each financial
institution restructuring their transaction accounts has
increased pre-tax profits by more than $1 million. The book comes in hardcopy as well as CD-ROM format, and includes an
organization-wide license to republish the material inside one organization. He
has become highly skilled in its career agent distribution and specializes in
developing and facilitating its neophyte (previously non-licensed ) agent
recruiting programs.

customer continuous

For more information about Ceto and Associates visit
their Web site at www. For more information, please visit
info@informationshield. Over the past 3 years he has been in charge of a
distribution (SHC) responsible for generating well over $30,000,000 in senior
market health insurance premium. While working with SHC he has
played a key role in the implementation of web-conference training technology
in an effort to improve new consultant/agent product knowledge and further
facilitate the improvement of its training programs.

happened entrepreneurs

"We are delighted to release the updated version of this leading policy
resource, which has been referenced by over 50% of the Fortune 1000," said
David Lineman, president and CEO of Information Shield."
Information Security Policies Made Easy is thoroughly indexed and
organized around the ISO-17799 framework, and includes sample policies,
commentary and valuable implementation advice on a wide range of security
topics .

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"Password-Protected Testimonials", password "SHCmanager" (caps -sensitive).

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