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 (Automated Clearing House (ACH), wire and tax payments)
• Save your finance staff valuable time
• Accelerate access to funds
• Reduce manual check writing
• Reduce the likelihood of check and electronic (ACH) fraud
• Allow you to access check images online

Remote Deposit Capture
Wachovia’s innovative Remote Deposit Capture (RDC) technology allows you to deposit checks 24/7 without ever leaving your office. You simply image checks at your location(s) and submit the images through a secure Internet connection that automatically reads your checks for deposit amount and other key information. Once posted to your account, you receive e-mail confirmation from Wachovia upon receipt of transmission. There is both an online version (thin client) and one in which you install software (smart client), but all upgrades/changes/enhancements are pushed out when you log in.

Your dealership will benefit from:

• Increased productivity from reduction in time-consuming trips to the branch
• Reduced courier fees related to check deposits
• Faster, more automated deposit preparation process
• Same-day ledger credit for deposits made until 8 pm ET each business day
• Ability to consolidate banking relationships resulting from less dependency on branch geography

Merchant Services
In today’s competitive environment, your dealership needs to leverage all of its assets to optimize revenue potential. By delivering comprehensive, state-of-the-art payment processing solutions at an affordable cost to you, Wachovia Merchant Services, through our payment processing partner Elavon, gives you the ability to maximize productivity and profitability.*

Enjoy Convenience, Speed and Outstanding Service

• Fastest Processing Times.  Recognized by MasterCard® as having the fastest processing time in the industry.
• No. 1 Network.  Rated No. 1 by MasterCard® for reliability.  No network downtime for scheduled maintenance.
• Third-Largest Processor.  Elavon processes for over 1,000,000 merchants nationwide.
• 24/7/365 Customer Service.  Access a dedicated customer service team all the time, day and night.  Plus, customer service is available online at merchantconnect.com.
• Availability of Funds.  Merchants depositing directly into a Wachovia demand deposit account will appreciate ACCESS TO FUNDS THE NEXT BUSINESS BANKING DAY.
• Extensive Reporting Capabilities.  Wachovia Merchant Services offers a number of reporting products available via dial-up modem or online.
• Terminal Support.  Industry-specific hardware and software is available on a wide variety of terminals.
• Virtual Merchant.  A complete hosted payment solution that instantly transforms your PC into a "virtual" payment terminal.

Elavon provides more payment options that mean a great opportunity for growth, including all major credit cards such as Visa®, MasterCard®, American Express®, Discover®, Diners Club® and JCB®, and debit cards, corporate and purchasing cards, electronic check and electronic gift cards.

*Merchant Services accounts are subject to credit approval and/or other approvals. Wachovia's merchant banking services are offered through Elavon, Inc.