President's Message

With a commitment to performance and execution, AFS has helped its clients identify, quantify, document, implement, and measure over $85 million in incremental profits in 2007 through revenue growth, cost reduction, and productivity improvement.

AFS offers industry thought leadership, consultative services, and business expertise that bring ongoing competitive advantage and financial results for our clients. This knowledge and experience can be applied within your institution to improve performance.

We hope you will join the AFS clients who have collectively added over $500 million to net income in lending and payments from AFS benefit sharing partnerships, creating significant value for shareholders. Benefits to these institutions now consistently exceed $7 million per month, demonstrating the viability of continuous improvement and value creation.

For further information, please feel free to contact me at 1 484 875 1400. We look forward to exploring ways to generate additional income for your organization in 2008.

Sincerely,

John H. Shain
President