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S Spotlightpotlight I Innovatorsnnovators

lectronic Merchant Systems has been helping
small and mid-size business owners realize
their full potential since 1988. Headquartered
E in Northeast Ohio, with sales offices across
the country, EMS provides trouble-free deployment of
customizable payment applications to increase business
profitability. EMS serves tens of thousands of retail,
internet, and start-up businesses nationwide, process-
ing over $3 billion in annual payment card transactions.
EMS, a recognized payments industry leader and brand,
increases its clients’ financial wellbeing through its inno-
vative suite of business solutions, high-quality service
and professional employees.
Agent-Next Processing:

Take your success to a whole new level

lectronic Merchant Systems (EMS) opened our first office in 1988 in Cleveland, Ohio, to help business owners
realize their full potential and grow their financial well-being. Together with our Agent partners, we’ve helped
tens of thousands of retail, internet and start-up businesses succeed in competitive, ever-changing industries.
E Throughout our journey, we’ve provided Agents with focused, dedicated support because we believe when
you succeed, we succeed. Our Agent-first principles, honed by Agent feedback and support, are the bedrock of our suc-
cess, a solid foundation designed to support our mutual growth as we expand to new realms beyond payment processing.
These principles give EMS Agents the confidence and support they need to focus on their priorities while we fast-track
every deal, simplify portfolio management, and deliver great reports and premium products. True to our mission of help-
ing businesses grow their financial well-being, EMS offers all these Agent services with full transparency and expedited
funding.

What’s next?
We know today’s Agents are sophisticated entrepreneurs, not yesterday’s “feet on the street.” You expect more from
your processing partners, and rightfully so. In this fast-paced, highly competitive environment, you need a partner who
will not only meet your needs today but anticipate your needs tomorrow. Allow EMS to go above and beyond for you.
As the industry advances, we constantly strive to meet your needs and help you grow your merchant portfolio. Our
service promise is more than just words, it’s all the ways we anticipate emerging technology and market trends. It’s
the platform that empowers you to create new partnerships of your own that will help grow and scale your merchant
services business. Your local community banks and credit unions, for example, are looking for ways to compete with large
financial institutions. These institutions can greatly benefit from your experience and expertise in merchant services.

Scale your business
Electronic Merchant Systems has developed a dynamic program for small and midsized financial institutions, the Payment
Partnership Program. In addition to secure, reliable processing services, EMS Payment Partners receive:
• Marketing Assistance: EMS marketing specialists are available to help financial institutions tailor a program with
the right mix of professional, custom marketing solutions.
• Residual Payments & Merchant Referrals: EMS offers a merchant referral program that enables participating
financial institutions to earn processing residuals. That’s additional income they can use to reinvest in their business!
• Reliable, Personal Support: EMS fully supports each Payment Partner, giving them the personal, loyal attention
they deserve. Dedicated Account Managers support financial institutions and their clients with marketing materials,
lead reports, and a partner portal where they can track activity and profitability.

• Local, In-Person Assistance: EMS has 11 regional offices across the country and is happy to provide in-person
assistance or consultation for Payment Partners and their customers.

• Dedicated, professional support representatives are available via phone and email, 24/7/365.
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