Increase your sales by giving your customers payment options. Provident offers a merchant credit card processing program with very competitive pricing.

In addition to the added convenience you'll be offering your customers by accepting various forms of payment, our Merchant Services Program offers quick availability of your revenues.

If you are looking to upgrade your terminals to include EMV compatibility or Apple Pay™ options, Provident has the solution. Provides 24 hour access to your funds. Inquire on your deposit or loan account, transfer money between accounts, order checks, place a stop payment, report a lost or stolen Visa or ATM card.

You may also apply for loan or deposit account, or speak to a customer relationship associate Monday - Friday, 8:00 am - 6:00 pm, (800) 442-5201. As a flexible form of financing, leasing gives your business the means to acquire the equipment it needs while offering many advantages such as cash management, protection against obsolescence, and potential accounting/tax benefits. Many businesses opt for leasing because it has less of an impact on cash flow than purchasing equipment outright or pursuing other forms of financing. You can acquire equipment with virtually no up-front outlay of cash, preserving your existing credit lines to take advantage of other business opportunities.
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As an owner of a small or mid-sized business, you face challenges at every stage of the business lifecycle that can profoundly affect the shape, direction, and performance of your business for years to come. You need a banking source that will take the time to understand your business and personal financial goals. Our community banking philosophy commits our vast resources to meeting the needs of local business people, like you. And nowhere is this commitment more apparent than in the credit opportunities we offer our business customers. Provident Bank offers a wide array of options to meet your financing needs and help your business grow. We support the aspirations of local business owners, because we believe in creating strong links with our communities. We have a team of professional Business Banking officers dedicated to providing the personal attention that you and your business require. This financing option lets you structure the purchase of fixed assets over a period of time while allowing the cash flow of your business to repay the loan. It offers:

• Either variable or fixed rate options
• Loan terms usually set by the useful life of the assets financed
• Repayment terms up to 10 years

The loan is custom tailored for:

• Purchasing equipment and machinery
• Long-term working capital
• Building improvements
• System upgrades (technology)
• Business acquisitions
• Commercial Vehicles

This is a loan for:

• Working capital
• Short term business expenses

The U.S. Small Business Administration (SBA) is a Federal Agency established to assist small businesses. The SBA helps independent entrepreneurs get the financing and terms from banks that they need to expand their businesses.

SBA financing is available for the purchase or improvement of industrial or commercial real estate. SBA loans are available for most business uses, such as acquisitions of land and buildings, purchase of equipment, business expansion, working capital, inventory purchases and business acquisitions. Provident Bank provides financing for office buildings, retail centers, industrial centers, and other commercial properties and facilities, either owner occupied or investor owned.

Provident Bank's Business Online Banking makes handling your company's finances convenient, fast, and efficient. Our service can help you control, access and monitor your company's cash resources more effectively from any computer. It places current balances, bill payment, account transfers, transaction history, and more at your fingertips-in or out of the office 24/7.

Features of Online Business Banking are:

• View account balances
• Transfer funds between Provident Bank accounts
• View transactions
• View check images
• View and make payments on commercial loans

Banking, at Your Business and on Your Time
Make your check deposits using our Merchant Remote Deposit Capture, Electronic Deposit Service. Merchant Remote Deposit Capture allows you to convert your paper checks to electronic files and deposit them from the convenience of your office computer. Simply scan your checks, balance items and transmit your deposit to the bank over the internet. It's that simple.

Remote Deposit Capture Saves You Time
No more driving through traffic, waiting in line or paying expensive couriers to pick up your daily deposit.

Merchant Remote Deposit Capture can help you reduce expenses, improve cash flow, and eliminate trips to the bank. One more way to keep you focused on your business, while at your business.
(Subject to credit approval. Additional fees may apply.) With Automated Clearing House (ACH), you can improve your payment processing efficiency and accuracy, and reduce expenses by initiating electronic transfers. The ACH service gives you the flexibility to pay bills, collect payments and direct deposit of payroll quickly and conveniently.

Our ACH templates are available for:

• Direct Deposit of Payroll
• Vendor Payments
• Tax Payments
• Pre Authorized Payments

(Subject to credit approval. Additional fees may apply.) Provident Bank offers reliable courier service to deliver check deposits to any branch for same day processing. With conveniently prearranged pickup times for your deposits, you are in control. Courier service saves you valuable time to focus on other aspects of your business without the headaches of meeting deposit deadlines. If you would like to implement one of Provident Bank's Cash Management Services or would like more information, please contact us at:

• cashmanagement@myprovident.com