Member Services, a small Charlotte, North Carolina-based insurance agency owned and operated by the father-and-son team of Roger and Aaron Banks, sold employee benefit products.  Their primary client was Piedmont Aviation Credit Union, which in turn was the credit union for employees of Lowe's Home Improvement.

Member Services developed a sophisticated automated computer system, CU@Work, that allowed for the client account administration and premium collections.  It was a front-end system that performed all its applications at the point-of-sale, eliminating many inefficiencies in conventional insurance sales accounting.

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