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Spotlight Innov
                                            Spotlight Innovatorsators



             •  Better Reporting: You're entitled to and should demand detailed, transparent, accessible reporting to help you
               manage your portfolio. Residual reporting that is easy to read and provides enough detail to reconcile your
               residuals to the penny should be the norm, not the exception. Does your reporting provide detail down to the
               interchange level? Does your reporting have hierarchy for management of sub-agents or partner relationships?
               With Electronic Merchant Systems, you will receive these and much more.
             •  Better Portfolio Management Tools: A complete portfolio management solution provides unique insights into
               your merchant portfolio, helping you identify critical opportunities to mitigate attrition, determine profitability,
               and proactively manage your accounts.
             •  Premium Product Set: A full suite of products and services is key to maximizing each and every opportunity
               you come across. Value-added products can open the door to more deals. Products like payment gateways, gift
               cards, mobile POS solutions, loyalty programs, and responsive websites are valuable tools for your sales arsenal.
             •  Accelerated Funding: Accelerated funding gives merchants quick access to their funds and empowers them to
               better manage their business. Most credit card processors fund transactions in two or three business days, but
               EMS offers accelerated funding. Merchants that batch out by 5 AM will have their funds at their bank by noon on
               the same day. Same-day funding improves cash flow, operational efficiencies, and access to working capital. This
               takes the stress out of meeting payroll demands, purchasing inventory, and satisfying business expenses.
             •  Responsiveness is Key: A key component of your success is the responsiveness of your processor. A concern or
               issue of yours and/or your merchants deserves a quick response. Here at Electronic Merchant Systems, we believe
               in the ‘Sundown Policy’. This means all calls and all emails will be responded to on the same day. Even if we don’t
               have the answer yet, we will acknowledge the request and let you know we are working on the resolution.
        More Than Just "Talk"

        If your current provider is falling short on any of their service promises or if you're not feeling challenged in your current
        role, maybe it's time to consider a change. As you evaluate processing relationships, review each provider's products and
        services. How would you rate each prospective partner on the above 6 deliverables?

        Ideally, your partner will not only meet your needs today but anticipate your needs tomorrow. In this ever-changing
        industry, Electronic Merchant Systems offers everything you need and more. As the industry advances and you grow
        your merchant portfolio, we will continue to strive to meet your needs.

        At Electronic Merchant Systems, we believe a service promise should be more than the same old laundry list you've seen
        from other processors. We are committed to your success because our success as an organization begins with you. In our
        upcoming series, we'll explore the most important criteria to look for in a processor partner and how each standard can
        help you grow and scale.











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