1 Industry Inf and Sales Tips Sales Tips The fllwing will pave yur successful sales career with Merchant Service Grup, LLC.; prviding yu with an in-depth, detailed descriptin using ur prven sales prcess. Lead Generatin In rder fr yu t create sales, the first step is t generate yur leads. Lead generatin can cme frm many different surces. The fllwing are sme effective ways t generate leads. Netwrking Netwrking is a way t maximize the resurces yu already have in place. If executed prperly, it can lead t much success. Friends and Relatives This is the best way t kick-start yur selling effrts. Call upn thse merchants wh yu patrnize and/r friends and relatives wh may need prcessing r a new prcessr. These are the first merchants yu shuld visit and practice yur new selling techniques n; allwing yu t wrk the bugs ut f yur sales presentatin, in frnt f a "friendly" audience befre yu begin cld calling n strangers. Referrals Referrals are business names, phne numbers and cntact names f ther businesses wh yur merchant believes wuld als benefit frm yur cmpany. Mst sales peple frget this imprtant step. The best time t btain referrals is upn cmpletin f the paperwrk. Always try t get at least three referrals frm each merchant. Anther way t get referrals is t leverage yur appintments. Write dwn the names f the businesses surrunding the merchant yu have sld and ask if yu can use their name with the surrunding merchants. Chamber f Cmmerce Becme a member f ne f their netwrking grups. There are several clubs r functins yu can participate in: Ambassadrs Club, Business After Hurs, etc. Pssible Surces When selling, never frget it s all abut keeping the "funnel" full. The mre surces yu have t generate business, the better. It is imprtant that yu are aware f the varius surces available t help yu prspect ptential merchants Merchant Service Grup, LLC is a registered ISO/MSP f Wells Farg Bank, N.A. Walnut Creek, CA.
2 Industry Inf and Sales Tips Relatinship Building 1. When the sales representative/merchant relatinship is right, the details are negtiable. If there is tensin in the relatinship, smething is wrng and the details becme bstacles. Tip: Build strng, pen relatinships with yur merchants. 2. When there is little difference between what yu and yur cmpetitrs ffer, there shuld be a big difference in the way yu deal with yur custmers. Tip: Never demean yur cmpetitin. Treat yur merchants with respect and ffer them the infrmatin and guidance they need t make a slid business decisin that is right fr their needs. 3. Sales and service are like medicine: ffering a prescriptin befre a diagnsis is a frm f malpractice. Tip: Listen t yur custmers' needs first, despite yur enthusiasm abut any single slutin. 4. We judge urselves by ur intentins, but thers judge us by ur actins. Tip: Make prmises yu can keep, and keep yur prmises. 5. Prfessinals are n lnger determined by the businesses they are in, but rather by the way they d business. Tip: Build prfessinalism. The mre cmfrtable merchants are with the prducts and services they purchase frm yu, the mre prfessinal yu will seem in their eyes. 6. One sincere gesture can d mre fr yur business than thusands f dllars f advertising. Tip: G the extra mile fr yur custmers. They will remember yur effrt and buy frm yu again as well as refer new custmers t yu. 7. Peple truly dn't care what yu knw until they knw that yu care. Tip: Shw yur custmers that yu care abut their business' success by demnstrating yur listening skills Merchant Service Grup, LLC is a registered ISO/MSP f Wells Farg Bank, N.A. Walnut Creek, CA.
3 Industry Inf and Sales Tips Telemarketing Prspecting by telephne allws yu t maximize yur cld calling effrts. It is als a tl yu can use t generate leads. Becming successful in this industry requires gd cld calling skills and gd telephne prspecting skills. When cld calling, yu will have several merchants ask yu t "call me back" and yu will have a cllectin f business cards fr decisin-makers wh were nt in when yu called n their business. Set aside time each day t fllw up n yur leads! Yur next mve will be t cntact the decisin-makers at thse lcatins. When telephne prspecting, yur bjective is t set an appintment with the decisin maker. Yu are nt attempting t sell yur service n the phne. Keep this in mind as yu telephne prspect s yu remain fcused n what yu re trying t achieve. Yu will need t develp a plan fr calling. Just as is the case with cld calling, wrk gegraphically. Plan yur calls based n the area yu want t have set appintments. Yu will build yur cld calling effrts arund yur appintments, s make sure yur telephne prspecting effrts supprt yur plan. Telephne prspecting statistics are different than cld calling statistics. The frmula t reach yur quta is: 10 t 12 sales a mnth = yur quta 2.5 sales a week = 10 sales a mnth 4.5 qualified appintments = 1 sale 10 prspecting calls = 1 qualified appintment 45 prspecting calls = 1 sale Use yur cld calling effrts t supprt yur telephne prspecting, and use yur telephne prspecting effrts t cmplement yur cld calling effrts. The key t success is t balance yur cld calling effrts with yur telephne prspecting effrts. The cmbinatin f using bth will ensure yu "keep the funnel full." Use yur telephne prspecting when calling n: merchant callbacks, business cards yu have cllected, referrals, Yellw Pages r business list Merchant Service Grup, LLC is a registered ISO/MSP f Wells Farg Bank, N.A. Walnut Creek, CA.
4 Industry Inf and Sales Tips Steps t Telephne Prspecting There are five steps t telephne prspecting : 1. Opening Statement 2. Make an initial benefit statement 3. Qualify the merchant 4. Summarize yur cnclusins 5. Ask fr the appintment The skills are very similar t thse used in cld calling. The key difference t remember is that yu are qualifying the merchant first, and then selling the value f meeting with yu in persn Opening Statement When yu pen a telephne prspecting call, use a simple greeting and cver each f the fllwing pints: Greeting (Hell, gd mrning, gd afternn, etc) If yu dn t knw (May I ask wh s speaking?) Use the persn s name My name is (first and last), I m with Merchant Service Grup, LLC. Use persns name again and ask (, may I ask wh the decisin maker is, r are yu that persn?) If that persn is nt the decisin maker (May I speak t them?). Thank yu. In yur pening, set a prfessinal tne, determine with whm yu are speaking, use their name twice, and let them knw yur name and the cmpany yu are representing Merchant Service Grup, LLC is a registered ISO/MSP f Wells Farg Bank, N.A. Walnut Creek, CA.
5 Industry Inf and Sales Tips Make a Benefit Statement When yu reach the decisin maker, intrduce yurself and yur cmpany, and then clearly state the reasn fr yur call. The beginning f a benefit statement is the easy part; "The reasn fr my call is." Cntinue with a benefit statement that addresses a merchant s business needs, r reference hw yu gt their name and number. Fr example: a business card yu cllected when cld calling. "Our cmplete nn-cash payment system saves merchants mney by prcessing cards in a manner that is mst advantageus t the merchant. Wuld yu be interested in a way t avid the discunt rate n sme f yur transactins?" "Our cmpany allws merchants direct cnnectivity t the prcessr fr electrnic payments. This will mean better service and in mst cases significant savings. Wuld yu be interested in seeing if yu wuld benefit by prcessing with us?" If calling n a referral: "Je with Je s Bar-B-Que suggested I call yu. I was able t significantly reduce his prcessing cst." If calling smene wh gave yu a business card and asked yu t call later: "Mr. Pleasant, I met yu briefly yesterday and yu asked me t call yu back tday. The reasn fr my call is t explre ways that we may be able t help yu grw yur business." The key t the benefit statement is t make certain yur benefit statement is relevant t the merchant s business. Yur purpse is nt t sell prcessing services n the phne, but t sell the value f meeting with yu in persn. Yu re selling the appintment! 2008 Merchant Service Grup, LLC is a registered ISO/MSP f Wells Farg Bank, N.A. Walnut Creek, CA.
6 Industry Inf and Sales Tips Qualify the Merchant Next, yu need t determine if the merchant will qualify fr an appintment by asking a series f questins. T be qualified, the merchant must: Have the authrity t make a buying decisin Be currently prcessing with anther prcessr Nt currently be prcessing and needs bth prcessing services and equipment If a merchant des nt meet ne f these qualificatins, there is n need fr yu t set an appintment. Make certain yur questins cnfirm whether the merchant meets ne f these qualificatins. Let s lk at hw yu can qualify the merchant withut making it feel like an interrgatin. Hw yu psitin the qualifying questins determines hw the merchant will respnd t yu. Psitin yur questins by: Requesting a cuple f minutes f their time. Let them knw up frnt that yu plan t ask a few questins. State the value t the merchant f cntinuing the cnversatin. It sunds like this: "May I have tw t three minutes f yur time t ask yu a few questins s that yu can determine if ur services wuld be f interest t yu? If nt, we will discver that t." By adding the last line, yu are letting the merchant knw yu are nt selling n the phne. This type f dialgue will make them feel mre cmfrtable in answering questins. Of curse, in the "real wrld" nt all merchants will respnd favrably. Refer t the bjectins and suggested respnses yu learned under the cld calling prtin f this mdule. Qualifying Questins Once yu get past the initial bjectin, yu then prceed t ask the qualifying questins. By asking qualifying questins befre setting an appintment, yu are able t accmplish three things: Get the merchant interested in yu and yur cmpany s slutins. Gather infrmatin up frnt s yu will be better prepared fr the appintment. Screen ut merchants wh are nt likely t buy Merchant Service Grup, LLC is a registered ISO/MSP f Wells Farg Bank, N.A. Walnut Creek, CA.
7 Industry Inf and Sales Tips By asking questins yu are qualifying yur leads, meaning yu dn t waste time with merchants wh are nly "being nice" by seeing yu. Yu als screen ut prspects that have n interest in yur slutins. Remember, these questins wrk best when calling n merchants yu haven t previusly called n when cld calling. Questin 1: "Is there anyne besides yurself wh wuld be invlved in making business decisins fr yur cmpany?" The reasn fr asking this questin first is that yu want t set an appintment with the decisin maker fr the business. Questin 2: "Am I the first persn yu have talked t abut transactin prcessing services, r are yu currently accepting VISA and MasterCard?" The reasn fr asking this questin is that yu want t knw if the merchant has dne sme shpping arund r intends t. This infrmatin als lets yu knw if the merchant qualifies as a rewrite, and hw t psitin yur next questins. Questin 3: "What have yu heard that interests yu?" Yu ask this because yu dn t want t make assumptins abut what the merchant is lking fr. It als prvides yu with an indicatin as t what is imprtant t them; this indicates their "ht buttn". Questin 4: "What have yu heard that has prevented yu frm making a decisin? In changing prcessrs?" Yu ask this questin because yu dn t want t assume what the merchant might be unhappy with, and it als prvides yu with an idea f what slutins we may have t address their needs. Remember, yu aren t selling, just gathering infrmatin! Questin 5: " D yu currently wn r leasing any prcessing equipment? Can yu describe it t me?" Yu nly ask this questin if the merchant has nt vlunteered the infrmatin with the prir questins. Yu need t knw if it s a new merchant wh bught equipment elsewhere. Depending n the infrmatin prvided, yu may want t als ask what peripherals they have. If this is a fllw up call and yu tk gd ntes when cld calling, this is the time t cnfirm what yu saw at their lcatin. This kind f infrmatin determines the strategy t use when meeting with the merchant in persn Merchant Service Grup, LLC is a registered ISO/MSP f Wells Farg Bank, N.A. Walnut Creek, CA.
8 Industry Inf and Sales Tips Summarize Yur Cnclusins After yu have asked the merchant the qualifying questins, summarize yur cnclusins based n what the merchant has said (refer t yur ntes and use the merchant s wn wrds when pssible). Make a recmmendatin t set an appintment t further explre hw we may be f assistance. It wuld sund like this: "Based n what yu have tld me, it sunds like we may be able t ffer yu services unique t ur cmpany that wuld save yu mney." Ask fr the Appintment Asking fr the appintment means setting a specific time t discuss the merchant s business needs in depth. Sme suggestins: Offer the merchant a chice f tw ptins that fit yur schedule. Make the appintment as sn as pssible. (Within hurs) Respect the merchant s time. Dn t try t set appintments during their peak business hurs. Respect yur time, try t set appintments that will allw yu t maximize yur cld calling effrts. Use psitive, nt tentative language. It sunds like this fr a merchant wh is currently prcessing with anther prcessr: "I wuld like t suggest that we set up a 15 minute appintment t discuss this further. This will allw me an pprtunity t analyze statements frm yur current prcessr. Wuld tmrrw at 9:30 be kay, r wuld 1:00 the next day be better?" It sunds like this fr a new merchant: "We specialize in helping new merchants like yu. As a matter f fact, we have pricing packages designed t help a new merchant get started with their nn-cash prcessing needs. I wuld like t meet with yu as sn as pssible t ffer my services as a cnsultant. Wuld Thursday at 9:00 wrk, r is 2:00 tday better?" When telephne prspecting, yu have the pprtunity t sell the value f setting aside a specific time t meet with yu. Plan n spending mre time n an appintment than n a cld call Merchant Service Grup, LLC is a registered ISO/MSP f Wells Farg Bank, N.A. Walnut Creek, CA.
9 Industry Inf and Sales Tips Direct Mail Using direct mail will enable yu t reach a large span f merchants in a mre time effective manner. Varius methds f direct mail include flyers, letters, and als by fax. Merchant Service Grup, LLC. has all f these marketing materials available fr yur use. T learn mre abut this, cntact yur relatinship manager r the United States Pst Office hlds classes that will fully train yu with Direct Mail csts. With direct mail, after yu have sent ut yur marketing materials, yu shuld receive calls frm interested merchants r yu can even send fllw up calls t all f yur mailings. Cunty-based Cmmercial Publicatins These are publicatins available in metr areas fr a minimal subscriptin fee; listing every type f public recrd in the cunty (i.e. divrces, bankruptcies). Such publicatins usually have names like "The Cmmercial Recrder" r "The Daily Cmmercial Recrd". Lcal Yellw Pages Merchants wh advertise using the VISA/MasterCard lgs in their ads are gd prspects fr cnversin. This is a great way t phne prspect in vertical markets. Fr example, call all the restaurants r aut repair shps listed. Yu may be able t prvide these merchants additinal services, help them capitalize n debit savings thrugh yur cmpany and ffer them a cmpetitive rate t help them reduce csts and increase their business vlume. Target Marketing Leads Sme Agents prefer t purchase lead lists. These can be acquired thrugh Merchant Service Grup, LLC. and imprted directly int the ISOCentral Web Applicatin fr telemarketing. New Business Listings Mst states require a new business t file an applicatin fr an perating permit, usually thrugh their cunty gvernment. Whether such lists are called "state tax permits," "assumed names," "DBA lists," r therwise, such lists are cnsidered public infrmatin and can be btained either at n charge r fr a small fee depending n the cunty r state. Cunty and Twn Clerk Offices keep recrds f DBA filings, while Secretary f State ffices keep recrds f mnthly incrpratin filings as well. Once yu have these lists, yu can either call them n the phne r even meet these clients face t face Merchant Service Grup, LLC is a registered ISO/MSP f Wells Farg Bank, N.A. Walnut Creek, CA.
10 Industry Inf and Sales Tips My name is with Merchant Service Grup, LLC.; I am calling t cnfirm ur appintment at clck. I wuld just like t remind yu t have yur last tw r three merchant statements available. It is imperative the merchant has their current merchant statements available s yu can give a detailed analysis. Sunds gd, I will see yu sn. If they d nt have their merchant statements r the wner is just t busy, reschedule the appintment fr anther time. If the cntact is nt there, tell whmever yu are talking that yu will call t reschedule the appintment fr anther time. The Appintment This may be bvius, but always try t be n time! It is very imprtant that if yu are running a little late because f uncntrllable reasns, by all means, give them a call and tell them yu will be late. Mst merchants are very understanding. Ask fr yur cntact. Hi, my name is with Merchant Service Grup, LLC. Hw are yu? At this pint in time, yu may have resistance. If it is f the latter, depending n their persnality type, ne may express time limits. If s, explain t the merchant that time is very valuable t the bth f yu and yu will get straight t the pint n the qualifying prcedure and the applicatin. If it is ther f ther reasns, express cncerns and ask what his trubles are. Ask what he wuld like fixed and address that yu can slve his prblems. Then prceed. D yu have yur last tw r three merchant statements? Once merchant statements are received, let them knw yu ll need a mment t run an analysis Merchant Service Grup, LLC is a registered ISO/MSP f Wells Farg Bank, N.A. Walnut Creek, CA.
11 Industry Inf and Sales Tips It will be abut 5 t 10 minutes s if yu are busy, feel free t d s and I will let yu knw when I am ready. Mst f the time, they are busy and get back t their wrk, but if they insist they are nt, just give them small chat while yu run thrugh yur analysis. Finish the analysis and explain it t them. Nw let me breakdwn yur ttal mnthly savings. G thrugh the savings which yur relatinship manager will shw yu hw t d. This is the mst imprtant part because this is where yu clse the deal. Yu always want t sign them n the spt, because if yu give them time, they will always take what yu have shwn them and try t shp arund t beat yur prices. The Call Back If the merchant desn t budge because f significant reasns (speak t their partner r spuse etc.), insist that yu wuld give them a call instead f them calling (because they may frget) and make sure t call them the day yu say yu will. Never wait t lng t call back r the merchant will almst likely lse interest. Sales Tips Additinal tips and guidelines that will help yu sell. Use yur Business Cards Always carry yur business cards t give t merchants yu meet; regardless f the time, place, r utcme. Leave yur business card in the dr f any vacant retail space. Shp with yur wn Visa Check Card r MasterMney Card at places that dn t currently accept Debit Cards. This will prvide yu the pprtunity t shw the merchant that he is lsing mney by prcessing VISA Check Card and MasterMney Cards as nn- pinned transactins. Yu can then explain t the merchant hw he culd avid paying a discunt rate n these transactins if he had a PIN pad and prcessed these as a pinned transactin. Shp with yur wn Credit Card at places that dn t currently accept Credit Cards. This will make the merchant aware that they are lsing business by nt accepting and advertising their acceptance f credit cards such as VISA, MasterCard, American Express, Discver, Diners Club/Carte Blanche and Japanese Credit Bureau (JCB) Merchant Service Grup, LLC is a registered ISO/MSP f Wells Farg Bank, N.A. Walnut Creek, CA.
12 Industry Inf and Sales Tips Take Ntes Take ntes while the merchant is giving yu infrmatin. Whether yu are cld calling r telephne prspecting, always listen t what the merchant has t say, write dwn the imprtant pints, and tailr yur questins accrdingly. Taking ntes helps yu: Avid interruptins Clarify yur thughts and ideas Keep track f imprtant infrmatin fr yur presentatin r t prepare fr the sales call. Determine the reasn why the merchant shuld meet with yu. By listening and then paraphrasing what the merchant has said, yu will be able t avid sunding like yu re reading frm a script. This is als an pprtunity fr yu t begin building trust with the merchant and set yurself apart frm yur cmpetitrs. Remember that the merchant will make a purchasing decisin based n yu. What are the keys t being a gd salespersn? Here are sme imprtant characteristics yu shuld keep in mind as yu g thrugh the appintment. Cntrl the custmer. Remember yu are in charge f the appintment; d nt let them cntrl the appintment. D nt leave t much silent time, always talk. By talking, this will enable yu t cntrl the pace f the appintment. The ability t read the custmer and say things that they want t hear. Yu can tell a lt abut a persn within the first few minutes f meeting them. Fr instance, determine if the merchant is either fcus n rates r savings. If they are ne r the ther, then yu have t structure yur sales tactic accrding t that. Als, sme peple are mre r less aggressive and/r mre r less business savvy. Make sure yu bserve yur prspect carefully and always knw yur limits. ABC- Always Be Clsing. Clsing is the mst imprtant aspect f sales. Thrughut yur presentatin, use clsing lines. Always say and gesture at things that refer t the custmer wrking with Merchant Service Grup, LLC Merchant Service Grup, LLC is a registered ISO/MSP f Wells Farg Bank, N.A. Walnut Creek, CA.
13 Industry Inf and Sales Tips Fr instance, if the merchant were t ask yu questins abut the terminal, d nt say If yu were t prcess with us rather say Next week when yur machine is installed. Lines such as these demnstrate the previus pint. D nt fear applying pressure, which is what clsing is all abut. Remember that every appintment is clsable. Clsing the Sale Once yu ask yur prspect t buy, be quiet fr as lng as it takes the merchant t respnd. Fllw these steps: Sit in yur chair and zip yur lip Lean frward slightly t demnstrate yur sincere interest Fix yur gaze firmly n the prspect's eyes. The merchant wn't maintain eye cntact until he r she is ready t speak. Instead, the merchant will prbably keep glancing at the desk and the papers n it. Maintain a slight, friendly smile while yu watch yur prspect - and wait. Keep yurself busy by sending ut psitive vibes. Bite yur tngue. Dn't be tempted t break the silence. Remember: A lng silence is always a gd sign. The lnger the silence, the mre likely it is that the prspect will say "Yes." It means the merchant can't think f a gd reasn nt t buy frm yu. Thank Yur Custmers - Even Thse That Dn't Buy Frm Yu! Yu didn't get the accunt yu just presented t the merchant. What shuld be yur very next step? Send yur prspect a thank yu nte even thugh yu didn't get his r her business. Why? Because many businesses are required t get bids frm different cmpanies, and smetimes these bids require many calls and cnsiderable number crunching. Hwever, since yu didn't get the merchant's business the first time arund, yur custmer may feel uncmfrtable calling yu t bid again if and when the need arises. Yur thank yu nte will remve any strain the merchant may feel because he r she did nt ffer yu the business. The nte als demnstrates that yu are a real prfessinal wh desn't hld a grudge. Yur thank yu nte shuld read smething like this: "Thank yu fr the pprtunity and invitatin t evaluate yur business (r make a presentatin n a particular prduct r service). I'm srry we culdn't help yu this time but please keep (yur cmpany) in mind fr future prducts, and feel free t call r fax me fr mre infrmatin r ask fr a presentatin that culd help yur business in the future." This kind f persnal thank yu leaves the dr pen fr future bids and sales pprtunities. Be sure t fllw up in a mnth with a telephne call t find ut if the merchant is happy with the prduct/service he r she chse ver the ne ffered by yu Merchant Service Grup, LLC is a registered ISO/MSP f Wells Farg Bank, N.A. Walnut Creek, CA.
14 Industry Inf and Sales Tips Frequently Asked Questins 1. What ther cmpanies prcess with MSG, LLC.? Such infrmatin is highly sensitive and cnfidential t ur current merchants and MSG, LLC is bligated t maintain a high security. It is understandable that yu may nt appreciate yur infrmatin distributed ut t anther party either. 2. Hw many days des it take t transfer the mney? Mnies will be depsited int yur checking accunt frm hurs. 3. Is the mney being depsited n a daily basis r mnthly basis? The mney is transferred daily frm bank t bank, but the transactins are displayed in the merchant statement at the end f the mnthly cycle. 4. Is the mney depsited n a net r grss pay? The mney is nrmally deducted n a net pay. 5. My merchant statement is cnfidential fr yu t view. Once yu prcess with us, it s required fr yu t submit three f yur mst recent cnsecutive statement. In additin, we need verificatin that yu d prduce the average ticket size and vlume yu say d s I can d an accurate analysis. 6. What is mid-qualified? Mid-qualified is manually entering in the credit card number if the terminal is unable t read the swipe. 7. What is nn-qualified? Nn-qualified is a crprate card. It is f higher fraudulent risk and Visa/MasterCard charges an additinal fee, therefre we cannt avid the cst either. 8. What abut American Express? We are able t prgram American Express int ur terminal at yur request, thugh we d nt cntrl the rates, s what yu re paying nw is what yu ll be paying with us Merchant Service Grup, LLC is a registered ISO/MSP f Wells Farg Bank, N.A. Walnut Creek, CA.
15 Industry Inf and Sales Tips Frequently Asked Questins 9. My current prcessr desn t charge fr statement fee, why d yu? If yu lk at yur current merchant statement, yu have accrued numerus fees that are beynd ur $X statement fee (clsed batch fee, membership fee, standard discunt fee, vice authrizatin fee, custmer service fee, etc ) which in turn we d nt charge yu fr. 10. What is a minimum mnthly fee? This fee is impsed n yur ttal credit card fees fr that particular mnth. MSG, LLC. s minimum mnthly fee is nly $25, if yur prcessing fee des nt add up t $25, we will deduct the charges accrued frm $25. Fr example, yur vlume was unusually lw last mnth and the ttal charges nly added up t$ Therefre $25-$13.50=$ Yur fee fr last mnth wuld ve been $13.50+$11.50=$25. Basically, yur mnthly charges will be at least $25 if nt mre. 11. What is a charge back? This is a charge declined frm a custmer r credit card hlder. Their credit card issuer will handle the matter and yu must shw sme prf that the services and/r prducts were delivered in the manner yu bth agreed upn. If the cardhlder wins, then the mney is taken ut f yur accunt. 12. I d business internatinally. If yur business invlves imprting and/r exprting, r just making the ccasinal verseas payment, we have the services and glbal expertise t help yu and yur business make the mst f dmestic and internatinal trade. I will refer yu t an internatinal specialist t assist yu. 13. Hw many days des it take t get my terminal and prcessing up and running? Please allw us 5-10 business days Merchant Service Grup, LLC is a registered ISO/MSP f Wells Farg Bank, N.A. Walnut Creek, CA.
Custmer Service Charter The Extrastaff Apprenticeships Custmer Service Charter makes a cmmitment t always prvide ur custmers with the highest standards f custmer service abve and beynd the call f duty.
Table f Cntents ACKNOWLEDGEMENTS... 2 INTRODUCTION... 3 LESSON PLANS Lessn 1: Welcme and intrductin - What is entrepreneurship?... 6 Lessn 2: Entrepreneurship assets and deficits and Defining expectatins...
Dcument Retentin: The 800 lb. Grilla BY MICHAEL KELSHEIMER EMPLOYMENT SECTION LOOPER REED & MCGRAW, P.C. JASON RODRIGUEZ IT MANAGER LOOPER REED & MCGRAW, P.C. This bklet is fr infrmatinal purpses nly and
Welcme Dear Wrk Prgram Participant, Welcme t CCI s Wrk and Travel Prgram! As a Wrk and Travel Prgram participant, yu are sure t have many rewarding experiences. Living and wrking with Americans and ther
Understanding yur hme financing ptins and mrtgage features At, we understand the imprtant rle yur hme plays in yur life. That s why we are cmmitted t prviding yu infrmatin that will help yu make infrmed
FINANCIAL PLANNING GUIDE FOR AIA MEMBERS & COMPONENTS PLANNING FOR RETIREMENT TABLE OF CONTENTS When D Yu Have Enugh? Page 2 Asset Allcatin 4 401(k)s 4 Rth IRAs 5 LIFE INSURANCE Hw Much D Yu Really Need?
YMM/HS-09/12 Yur Mney Matters a guide t yur persnal finances Make Yur Mney Matter Cash, cin, dugh, mlah n matter what yu call it, mney matters. Think abut the feeling yu get when yu pen up yur birthday
A Beginner s Guide t Successfully Securing Grant Funding Intrductin There is a wide range f supprt mechanisms ut there in the funding wrld, including grants, lans, equity investments, award schemes and
Teacher s Manual fr the wrld s mst ppular LMS Jaswinder Singh Hw t Use Mdle 2.7 2 Hw t use Mdle 2.7, 1 st Editin Teacher s Manual fr the wrld s mst ppular LMS Jaswinder Singh 3 This bk is dedicated t my
Prmting yur rganisatin Overview Welcme t this tlkit n prmting yur rganisatin. The aim f the tlkit is t help rganisatins t achieve their aims and bjectives using the active prmtin f their wrk as ne f their
Dear Internatinal student, Welcme t the University f the French West Indies and Guiana ( U.A.G.)! As yu may already knw, UAG, ne f the 102 French universities, is nt lcated n the Eurpean cntinent but 7000
In the Matter f: UNITED STATES OF AMERICA Befre the COMMODITY FUTURES TRADING COMMISSION Barclays PLC, Bat'clays Bank PLC and Barclays Capital Inc., ------------- ) ) ) ) ) CFTC Dcket N. 12-25 ) ) Respndents.
Westpac Business Online Terms and Cnditins 1. Intrductin These terms and cnditins cntain imprtant infrmatin, including infrmatin abut: use f Westpac Business Online; respnsibility fr prtectin f Security
Fr anyne interested in trying Clud, this is a great (and free) way t get started: aws.amazn.cm/free. Mderatr Intrductin Panelist/experts frm: Infrastructure (Chris) Platfrm (Raghu) Driver and Operatinal
Yur DirectAsia.cm cmprehensive car insurance plicy details Thank yu fr chsing DirectAsia.cm cmprehensive car insurance. we have made this plicy simple and straightfrward s that yu can understand what we
Building Yur Bk fr Kindle We are excited yu ve decided t design, frmat, and prepare yur bk fr Kindle! We ll walk yu thrugh the necessary steps in creating a prfessinal digital file f yur bk fr quick uplad
Learn Start Play Learning the game Starting up the rganisatin Playing in different ways Table f Cntent INTRODUCTION... 3 WHY CHOOSE FLOORBALL?... 4 Alternative sprt... 6 HISTORY OF FLOORBALL... 7 VALUES
Getting Started Guide fr Administratrs Fr Numara FtPrints, Numara FtPrints fr eservice Versin 9.0 Numara Sftware Inc. Numara FtPrints Getting Started fr Administratrs Manual: Rev 9.0 Numara Sftware numarasftware.cm
PREFACE The prcedures utlined in this manual describe hw the Standardized Field Sbriety Tests (SFSTs) are t be administered under ideal cnditins. We recgnize that the SFSTs will nt always be administered
CITIZEN S CHARTER Preface At YES BANK, we have always believed that India suffers frm being an ver-branched and an under-serviced banking envirnment. It is this belief that has mtivated us t live the dream
Appendix A CHOICE IN THE ACC WORKPLACE ACCOUNT A slutin lking fr a prblem? Analysis f the Department f Labur ptins discussin dcument. A reprt prepared fr the ACC Futures Calitin Peter Harris 12 July 2011