Improve Commercial Account Retention, Loyalty and Revenue Per Account Through A Complete Merchant Services Program

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1 M E R C H A N T A C Q U I R I N G P R O G R A M Improve Commercial Account Retention, Loyalty and Revenue Per Account Through A Complete Merchant Services Program D e l i v e r i n g P a y m e n t I n n o v a t i o n s

2 T H E E V E R L I N K M E R C H A N T A C Q U I R I N G P R O G R A M The Everlink Merchant Acquiring Program provides you with a turn-key offering that will increase customer loyalty, account retention and improve branch revenues through a guaranteed recurring revenue stream. By offering a complete electronic payment processing service to your customers, that includes Payment Brand credit processing, they remain loyal to you and don t siphon off parts or all of their business to other financial institutions. Everlink provides all processing and settlement for debit transactions, merchant statements, transaction terminals and terminal support. Our trusted Financial Institution partner handles authorization, chargebacks, exception items and credit transaction settlement. By participating in our Merchant Acquiring Program, you remain the account of record for the daily merchant deposits, thus increasing deposit volume, and additional cross-sell or upsell opportunities with your customers. MAINTAIN YOUR COMPETITIVE ADVANTAGE VIA A FULL RANGE OF SERVICES Branches Reap Strong Benefits Aturn-keysolutionthatdoesnottie-up branchresourcesaseverlinkmanages thepricing,creditreviewandcustomer service/support Monthlyresidualrevenuestream VirtuallyZEROliability Alucrativereferralprogramforbranch employees Yourbranchremainstheaccountof recordfordailymerchantdeposits increasingdepositsandcross-sell opportunitieswithyourcustomers ThelatestPCI2.xxandlaterthisyear PCT3.xxcompliantPOSterminals AccesstoEverlink sdedicated24/7,365 serviceandsupportteams EasytouseInternetportalsforreports, referralsubmissionandtracking applicationstatus Co-Brandedmarketingmaterials

3 T W O V A L U E P R O P O S I T I O N S P rov i d e M a x i mu m Acce p ta n ce/re t u r n Everlink s expertise and knowledge in the credit union and banking markets has led to the development of two value propositions to improve program acceptance and financial returns based on different branch requirements, expertise and needs. Through these two options, you can pick the Merchant Acquiring Program that best fits your organization and revenue expectations. 1 2 P R O P O S I T I O N P R O P O S I T I O N Everlink Active Model In the Everlink Active Model the branch takes a smaller role in the selling and promotion of the Merchant Acquiring Program but still participates in all the positive benefits these programs offer. Although the revenue sharing and referral amounts are reduced in this option, so are the activities by branch personnel resulting in little or no change to daily branch operations. Some of the advantages of this program are: Nospecializedtrainingforbranch personnelasitrelatestothemerchant ServicesProgram Staffonlycollect/generatereferralsfor Everlinktofollow-upwiththecustomer Branchstillparticipatesinthereferral programandrevenuesharing,although atalowerscalethanthebranchactive Model Branch Active Model In some instances where a branch is better prepared to offer full services to their customers, the branch may choose this option and play a bigger role in the selling and promotion of the Merchant Services Program. By doing so, the branch maintains control of their relationship with the customer and improves customer service. The advantages of this program are: Largerreferralfeesandresidualrevenue Strongerrelationshipwiththecustomer Morecontroloverhowtheprogramis administeredandpresented Controlofpricingpresentedtothe merchant

4 M A I N T A I N Y O U R C o m p e t i t i v e A d v a n t a g e Understanding what services your customer needs and providing a personal approach to fulfilling these needs has always been the credit union and small banks advantage. But, the last decade has changed the face of business throughout the world and a new age of commerce is upon us. To meet the demands of today s business you must offer a complete range of services that are convenient, reliable, secure and affordable. That s why Everlink has prepared a comprehensive Merchant Acquiring Program to meet the needs of your customers. By participating in the Merchant Acquiring Program your customers will benefit through: Increasedpaymentoptionsprovidemore waysforcustomerstopay,whichresults inanincreaseinspending. Fastertransactiontimesimprove customersatisfactionandbusiness revenues Reducedoperatingcoststhroughthe reductionofcashmanagementand handling Accesscashfasterasmostcardpayments aresettledwithin48hours Fewertripstothebanktodepositcheques Reducedcashhandlingresultsinless fraud,reducedriskorrobbery

5 A C O M P R E H E N S I V E M a r ke t i n g To o l k i t Everlink realizes that you have many challenges through the day that reduce your focus on supplementary business and revenue streams, so to improve your effectiveness we have prepared a comprehensive marketing toolkit to assist you in successfully launching and promoting a complete Merchant Services Program. The Toolkit includes but is not limited to the following customizable components: Press-readytemplatescompletewith targetedmessaging,textandgraphicsfor youtochoosefrom. -Twocustomerbrochures(3-paneland 4-panel) -Twotableorcountertentcards -Anin-branchhandoutforyourmerchant processingcustomers -Twoin-branchposterstopromote MerchantServicesoffering -Twodirectmailpostcards -Threeprintadvertisementtemplatesof sampleads -Variouswebbannersandpromotional graphics - templates -Websitecopyandpagelayouts summarizingsolutions -Employeetrainingpresentations Everlink wants you to succeed in expanding your Merchant Services business base and will provide personalized service to all Branch locations to do so. We have implemented a 24/7 support desk open 365 days of the year to handle all merchant issues including Settlement, Hardware and Software issues. To better handle the credit union or bank questions as it pertains to the Merchant Acquiring Program and other issues, Everlink has implemented a priority address that can be used to address any and all concerns. This account will be reviewed daily and ALL s will be responded to within 24 hours.

6 S O L I D S O L U T I O N S B y A S o l i d P a r t n e r Everlink Payment Services Inc. is based in Markham, Ontario and is a joint-venture company owned by FIS and Celero Solutions. We provide solid and secure solutions to credit unions and banks throughout Canada and are fully compliant and EMV certified with Interac, MasterCard and Visa. Everlink is a recognized leader in the dependable, secure delivery of Electronic Transaction Processing services, EMV Chip, Managed ATM Services and Integrated Payment Solutions in the Canadian financial services sector. Everlink is the first in Canada to instantly issue a fully personalized, Interac and MasterCard certified EMV Chip card. With extensive market share in the Canadian Credit Union and Bank industry, Everlink products, solutions and services are delivered to more than 330 credit unions, 30 banks, 4 major Group Processors and an ever increasing number of POS and ATM ISOs. Everlink Payment Services Inc. 65 Allstate Parkway, Suite 100 Markham, ON L3R 9X1 Tel: Toll Free: Fax: National Client Support Centre (NCSC) Toll Free: Fax: Support@Everlink.ca w w w. e v e r l i n k. c a