As one of the nation's leading financial institutions, Wachovia Bank serves over one million small businesses, mid-size companies and large corporations, providing checking, savings, merchant services and cash management products and services. And we've forged a reputation as being among the very best in cash management solutions for online functionality, ease of use and customer satisfaction.

Working with a treasury services professional, your Relationship Manager will develop an overall plan including an effective combination of services to maximize cash flow and cost efficiencies. Your dealership could benefit from cash management options that:

• Provide you with 24-hour access to information and reporting via the Internet
• Allow you to initiate electronic transactions online (ACH, wire and tax payments)
• Save valuable time for your finance staff
• Accelerate access to funds
• Reduce manual check writing
• Reduce the likelihood of check and electronic (ACH) fraud
• Allow you to access check images online

One of the more recent enhancements is Remote Deposit Capture which empowers you to deposit your checks 24/7 without leaving your local office. Using Wachovia software and a small desktop scanner, you send your deposits electronically through a secure Internet transfer. Benefits include:

• Reduction in time-consuming trips to the branch
• Faster, more automated deposit preparation process
• Earlier availability of funds
• Reduction in courier fees related to check deposits
• Consolidation of the number of bank accounts you maintain

As check and ACH fraud becomes a larger threat, Wachovia can help put you on the offensive with Positive Pay or Paid Check Review and ACH Fraud Control.

Look to Wachovia for Dependable and Revenue-Producing Payment Processing
If you want to increase revenue and customer loyalty by accepting bank credit and debit cards, or if you want to enhance the bank card processing services you currently have or add Electronic Check Services at your points of sale, Wachovia Merchant Services provides comprehensive, fully integrated payment processing designed to match the way you conduct business.

Powered by the NOVA Network, the nation's third-largest payment processor, Wachovia Merchant Services offers a one-stop shop for all your payment processing needs through terminal, PC or wireless solutions. NOVA is rated number one by MasterCard® for authorization speed and reliability. Their enhanced reporting capabilities give you easy access to your transactions either at the point of sale or through your desktop PC.