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S Spotlightpotlight I Innovatorsnnovators

lectronic Merchant Systems has been help-
ing small and mid-size business own-
ers realize their full potential since 1988.
E Headquartered in Northeast Ohio, with
sales offices across the country, EMS provides trou-
ble-free deployment of customizable payment appli-
cations to increase business profitability. EMS serves
tens of thousands of retail, internet, and start-up
businesses nationwide, processing over $3 billion
in annual payment card transactions. EMS, a recog-
nized payments industry leader and brand, increases
its clients’ financial wellbeing through its innovative
suite of business solutions, high-quality service and
professional employees.
Agent-First Processing, Part 2:

Fast-Track Your Deals

lectronic Merchant Systems (www.emscorporate.com), has been helping agents reach their full potential since
1988. Technology and payments industry trends are always changing, but our agent-first model has stood the
test of time. We recognize that today's agents are talented entrepreneurs, not yesterday's "feet on the street."
E Agents deserve to know the status of every deal, from submitted application to account approval.

EMS Agents have the tools, support, and technology they need to efficiently manage the entire deal process. For example,
our Agents can use MyPortfolio to manage their growing portfolios and create custom reports for subagents and partners.
MyPortfolio is a secure agent portal and technology suite that provides a transparent, single-access view of their enterprise,
affiliates, and customer accounts.
"The key to agents' success is the support that acquirers give them," said Matt Shepard, Executive Vice President, Agent
Channel, at EMS. "MyPortfolio is a total back-office tool that improves and simplifies portfolio management."
Track All Deals

EMS Agents have complete transparency throughout the entire deal process
as well as easy access to current paperwork and deal requirements. Read on
for and inside look at the process, features, and benefits of MyPortfolio:
Once Submitted:

EMS expedites the deal process by immediately performing background
and verification checks on each incoming merchant application. We also
continuously notify agents of a deal's status through MyPortfolio and
twice-daily email notifications. The system will flag any peculiarities on
an account, alerting the underwriting team to contact the merchant and
keep the process moving forward. All retail deals are put through an auto-
approval process for instant approval, as long as they meet underwriting
requirements.
Once Approved:

EMS Agents receive email notifications any time a merchant calls Client
Services. Many companies want the agent out of the process once a deal is
installed, but not EMS. Our focus is on building mutually profitable, long-
term relationships, so we prefer to keep our Agents informed during all
steps of the process.