BUSINESS BANKING / Merchant Processing Solutions MERCHANT PROCESSING SOLUTIONS Choosing (First Citizens Bank, IronStone Bank) Merchant Services for processing your bank card transactions is a good choice for your business. We provide your business with the latest point-of-sale processing equipment. And, unlike most bank card processors, (First Citizens Bank, IronStone Bank) determines the cost of bank card processing through a bundled merchant discount rate. That can add up to a significant savings for your business. Whether or not your business currently accepts VISA®, MasterCard®, and/or Discover®, you owe it to yourself to realize the benefits of choosing First Citizens Bank for processing bank card transactions. • All of the benefits, none of the hassles Our goal is to make accepting bank cards as convenient for you as they are for your customers to use. There are no hidden charges. You can easily predict and plan your expenses. Plus, while some processors take up to 5 days to credit your account, with (First Citizens Bank, IronStone Bank), you’ll receive two-business-day credit for your VISA, MasterCard and Discover deposits. Other benefits of processing with First Citizens Bank include: One of the most competitive discount rates in the industry. Free terminal supplies… (First Citizens Bank, IronStone Bank) provides all the supplies you need to accept and process bank card transactions. The most up-to-date electronic hardware and software to meet your company’s specific needs. Toll-free 24-hour terminal/software maintenance with next-business-day replacement. No statement fees or monthly minimums. The opportunity to purchase point-of-sale terminals, printers and software at (First Citizens Bank’s, IronStone Bank’s) wholesale cost. • Find out more without cost or obligation You can expect all of this and local Merchant Services Representatives who will provide you fast, personal service. For more information about (First Citizens Bank, IronStone Bank) Merchant Services, please call and we’ll arrange a meeting to discuss.  For More information please visit one of our financial centers or call us today.