Whether you accept customer payments in person, by telephone, or online, Central Bank's local representatives provide superior client services and offer solutions to safely and reliably meet your payment processing needs.

Central Bank's merchant program offers customized payment solutions that will enhance your customer's payment options at a competitive price. For over 25 years we have been processing for local merchants who want competitive pricing and technology without giving up local customer service and support.

Central Bank's Service Commitment
Central Bank's merchant program with local representatives is committed to providing superior customer service in a continual effort to exceed our merchant's expectations. Our local merchant support is available 8 a.m. to 5 p.m. Monday through Friday, and we provide 24 hour terminal and PC technical support through the Visa Help Desk. By having a local representative available, you won't have to call a 1-800 number for merchant issues in regards to statements, deposits, changes, charges, equipment and supplies. Our merchant representatives have experience in sales and support so you won't have to call different departments for different issues.

Overview of Products and Solutions
Our diversified product mix meets a wide range of customer needs including:

• Processing of All Credit Card Types (Visa, MasterCard, American Express, Discover, Diners)
• Purchasing Cards
• On-Line/Off-Line Debit Card Processing
• Check Processing

Central Bank recognizes that the financial processing needs of different businesses can vary widely. We offer specialized processing solutions for your electronic payment needs, and can tailor applications in software to your specific industry:

Dial up touchtone processing
For the smaller volume merchant who may not want to invest in point of sale equipment or software. All transactions are authorized and automatically settled by using a telephone and a toll-free number. Dial up touchtone processing offers the convenience of electronic processing and payment to a Central Bank checking account on the second business day.

Dial up terminal processing
For any merchant who wants the convenience of electronic processing along with speed and efficient receipt printers and reporting at the end of your business day. Central Bank supports a variety of terminals and PIN Pads. Payment for Visa, MasterCard and Debit transactions is available to your Central Bank checking account on the next business day.

POS Software
For any merchant who wants PC payment processing integrated to their online cash register systems. We offer Visa's POS Partner payment solutions which allow merchants to process retail card swipe transactions, mail/phone direct marketing transactions and e-commerce online transactions, all inclusive, in one product. There are hundreds of other certified vendors if you already own your own software or are interested in another vendor. Payment for Visa, MasterCard and Debit transactions is available to your Central Bank checking account on the next business day.

Internet
Merchants can accept payments through their website and receive payment to their Central Bank checking account on the next business day.

Use Visa's POS Partner product for this service with a separate shopping cart for card payment data. Or as a second option, use an internet payment gateway for your card processing needs. With this option, Central Bank serves as your merchant provider and the gateway is the link between the cardholder, merchant and transaction authorization/capture networks. Central Bank can assist with compatible gateways, or you may want to seek advice from your web designer to see what they recommend as compatible technology for your website.

To learn more about Central Bank Credit Card Merchant Services, please call (859) 253-6288.