DIVERSIFIED MERCHANT SERVICES - PROGRAMS


Diversified Merchant Services offers a variety of programs for Banks and Financial Institutions.

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MERCHANT SERVICES PROGRAM

• The Merchant Services Programs provide transaction processing of all major credit cards, including debit card processing and check guarantee services.
• Our Merchant Processing Programs are designed to accomplish two objectives - gain, and of equal importance, retain the merchant customer.

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CUSTOM PROGRAM SOLUTIONS

Referral Bank Program - features local Sales Representatives.

• Diversified handles the sale, set-up, on-going full merchant support 24/7/365
• Diversified assumes 100% merchant liability
• Marketing Programs generate additional commercial business
• The Program requires no work for your staff
• Receive a referral fee and residual income on all processed volume

Agent Bank Program

• Diversified assumes 100% merchant liability
• Provides 24-hour customer service, and full merchant support.
• The Bank assists the merchant through the application process
• The Bank determines the price to the merchant
• Flat Rate or Grid pricing options

Processing Bank Program

• The bank solicits clients, manages the risk, provides the first line of customer service
• The bank chooses from a menu of services that they want Diversified to provide - an outsource program - total flexibility, maximum profits
• The bank determines the overall profit margins
• Flat Rate, Bundled or Unbundled pricing options
• Cash Advance Services - The bank is paid for each Cash Advance transaction.

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MENU OF SERVICES:

• Full Payment Processing - Encompassing the decision process, account set-up, maintenance, authorization, data capture, settlement, merchant accounting, adjustment activities, customer service, terminal sales, service and support.
• Pricing - Flat Rate (profit margins are protected) or Unbundled options
• Bank determines specific merchant account profitability
• Bank's name appears on the merchant statement
• Exception Processing that includes security, chargeback and compliance services
• Web Based Reporting with Bank's Name and Logo
• Relationship Manager Assigned
• Complete Marketing Services
• New Application Status Reporting
• 24-hour 800 Number Terminal Support
• Technical and Product Support
• Specialty Card Programs - Loyalty, Gift, Reward
• Monthly Compensation Reporting
• Check Guarantee Services (ECC)
• Cash Advance Services - The bank is paid for each Cash Advance transaction.

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MARKETING COMMITMENT
Diversified is focused on assisting our financial institutions with portfolio growth. A variety of Marketing Programs and Sale Contests can be selected and implemented. Diversified absorbs the costs associated with execution of these sale endeavors. A focused sales effort to promote a merchant program to existing commercial clients or prospects can secure additional Demand Deposit Accounts and open doors to multiple relationships. Diversified Keeps the Programs Profitable and Simple