1. BankCard Services accepts all financial liability. This eliminates the financial institution's loss exposure. There is no capital investment or increased overhead and shareholder interests are protected.
2. BankCard Services has the highest merchant application approval ratio: 95. This means more business customers, a more complete package of merchant services, and an additional competitive barrier.
3. BankCard Services has the quickest application processing: 4 business days. Merchants are installed and begin depositing sooner. Excellent service is provided from the beginning of the relationship.
4. BankCard Services has the largest sales force: Over 110 sales people nationwide. This allows faster response to merchant referrals and better coverage in key markets.
5. BankCard Services provides comprehensive reports on the sales cycle and financial impact. These reports provide accountability throughout the sales cycle.

The Referral Bank Program works as follows. The bank faxes a referral form to Corporate. The referral is then entered into Bank Marketing's database and then faxed to the appropriate Agent office. The merchant is to be contacted within twenty-four hours. One week after receipt of the lead, telephone surveys are conducted to determine the Sales Representative's responsiveness and integrity. Once the merchant completes an application, the referral form is placed on top of the packet for New Accounts. At the end of each month, a report is forwarded to each Agent office participating in the program. Each referral's status is updated and the report returned to Bank Marketing. A report is prepared for the bank, and a check for each approved account is enclosed with the report. Please remember Agents and Sales Representative are prohibited from visiting, or soliciting business from, any branch of a bank currently enrolled in the Referral Bank Program. Failure to comply with these requirements will result in termination of the Agent or Sales Representative's relationship with BankCard Services.