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LIST OF ALL BANKS IN BRAZIL AND THEIR LINKS BELOW THE LIST OF ALL BANKS IN BRAZIL THAT ARE ASSOCIATED WITH FEBRABAN - BRAZILIAN FEDERATION OF BANKS. IN EACH CODE AND NAME, BY CLICKING YOU GO TO THE WEBSITE OF THE CORRESPONDING BANK. IN ORDER OF CODE | IN ALPHABETICAL ORDER IN ORDER OF CODES CODE LIST OF BANKS 1 Banco do Brasil SA 3 Banco da Amazônia SA 4 Banco do Nordeste do Brasil SA 12 Banco Inbursa SA 17 BNY Mellon Banco SA 21 BANESTES SA Bank of the State of Espírito Santo 24 Banco BANDEPE SA 25 Banco Alfa SA 29 Banco Itaú Consignado SA 33 Banco Santander (Brasil) SA 36 Banco Bradesco BBI SA 37 State Bank of Pará SA 40 Banco Cargill SA 41 State Bank of Rio Grande do Sul SA 47 State Bank of Sergipe SA 62 Hipercard Banco Múltiplo SA 63 Banco Bradescard SA 64 Goldman Sachs do Brasil Banco Múltiplo SA 65 Andbank Bank (Brazil) SA 70 BRB - Banco de Brasília SA 74 Banco J. Safra SA 75 Bank ABN AMRO SA 77 Banco Inter SA 82 Banco Topázio SA 83 Bank of China Brazil SA 94 Banco Finaxis SA 95 Travelex Exchange Bank SA 96 Bank B3 SA 102 Bank XP SA 104 Federal Savings Bank 107 Bank BOCOM BBM SA 119 Banco Western Union do Brasil SA 120 Banco Rodobens SA 121 Banco Agibank SA 125 Plural SA - Multiple Bank 128 MS Bank SA Exchange Bank 129 UBS Brasil Banco de Investimento SA 144 BEXS Banco de Cambio SA 169 Banco Olé Bonsucesso Consignado SA 184 Banco Itaú BBA SA 204 Banco Bradesco Cartão SA 208 Banco BTG Pactual SA 212 Banco Original SA 217 Bank John Deere SA 218 Bank BS2 SA 222 Credit Bank Agricole Brasil SA 224 Banco Fibra SA 233 Banco Cifra SA 237 Banco Bradesco SA 243 Banco Maxima SA 246 Banco ABC Brasil SA 249 Banco Investcred Unibanco SA 250 BCV - Banco de Crédito e Varejo SA 254 Paraná Banco SA 269 HSBC Brasil SA - Investment Bank 276 Banco Senff SA 318 Banco BMG SA 320 China Construction Bank (Brazil) Banco Múltiplo SA 341 Itaú Unibanco SA 366 Banco Société Générale Brasil SA 370 Banco Mizuho do Brasil SA 376 Banco JP Morgan SA 389 Banco Mercantil do Brasil SA 394 Banco Bradesco Financiamentos SA 399 Kirton Bank SA - Multiple Bank 422 Banco Safra SA 456 Banco MUFG Brasil SA 464 Banco Sumitomo Mitsui Brasileiro SA 473 Banco Caixa Geral - Brasil SA 477 Citibank NA 479 Banco ItauBank SA 487 Deutsche Bank SA - German Bank 488 JPMorgan Chase Bank, National Association 492 ING Bank NV 505 Credit Suisse Bank (Brazil) SA 600 Banco Luso Brasileiro SA 604 Banco Industrial do Brasil SA 610 Bank VR SA 611 Banco Paulista SA 612 Banco Guanabara SA 623 Banco PAN SA 626 Bank C6 Consignado SA 630 Banco Smartbank SA 633 Banco Rendimento SA 634 Banco Triângulo SA 641 Banco Alvorada SA 643 Banco Pine SA 652 Itaú Unibanco Holding SA 653 Banco Indusval SA 654 Banco Digimais SA 655 Banco Votorantim SA 707 Banco Daycoval SA 739 Banco Cetelem SA 743 Banco Semear SA 745 Banco Citibank SA 746 Modal Bank SA 747 Banco Rabobank International Brasil SA 748 Banco Cooperativo Sicredi SA 751 Scotiabank Brasil SA Multiple Bank 752 Banco BNP Paribas Brasil SA 755 Bank of America Merrill Lynch Banco Múltiplo SA 756 Banco Cooperativo do Brasil SA - BANCOOB Bank C6 SA Caterpillar Bank SA CNH Industrial Capital SA Bank CSF Bank SA Bank of Lage Landen Brasil SA Banco Digio SA Banco Fidis SA Bank Ford SA Banco GM SA Bank Honda SA IBM Bank SA Banco Itaú Veículos SA Banco Itaucard SA Banco Itaúleasing SA Bank RCI Brasil SA Banco Toyota do Brasil SA Banco Volvo Brasil SA Yamaha Motor do Brasil Bank SA Scania Bank SA POR ORDE DE CÓDIGOS IN ALPHABETICAL ORDER BANK LIST CODE 246 Banco ABC Brasil SA 75 Bank ABN AMRO SA 121 Banco Agibank SA 25 Banco Alfa SA 641 Banco Alvorada SA 65 Andbank Bank (Brazil) SA 96 Bank B3 SA 24 Banco BANDEPE SA 318 Banco BMG SA 752 Banco BNP Paribas Brasil SA 107 Bank BOCOM BBM SA 63 Banco Bradescard SA 36 Banco Bradesco BBI SA 204 Banco Bradesco Cartão SA 394 Banco Bradesco Financiamentos SA 237 Banco Bradesco SA 218 Bank BS2 SA 208 Banco BTG Pactual SA 626 Bank C6 Consignado SA Bank C6 SA 473 Banco Caixa Geral - Brasil SA 40 Banco Cargill SA Caterpillar Bank SA 739 Banco Cetelem SA 233 Banco Cifra SA 745 Banco Citibank SA CNH Industrial Capital SA Bank 756 Banco Cooperativo do Brasil SA - BANCOOB 748 Banco Cooperativo Sicredi SA 222 Credit Bank Agricole Brasil SA 505 Credit Suisse Bank (Brazil) SA CSF Bank SA 3 Banco da Amazônia SA 83 Bank of China Brazil SA 707 Banco Daycoval SA Bank of Lage Landen Brasil SA 654 Banco Digimais SA Banco Digio SA 1 Banco do Brasil SA 47 State Bank of Sergipe SA 37 State Bank of Pará SA 41 State Bank of Rio Grande do Sul SA 4 Banco do Nordeste do Brasil SA 224 Banco Fibra SA Banco Fidis SA 94 Banco Finaxis SA Bank Ford SA Banco GM SA 612 Banco Guanabara SA Bank Honda SA IBM Bank SA 12 Banco Inbursa SA 604 Banco Industrial do Brasil SA 653 Banco Indusval SA 77 Banco Inter SA 249 Banco Investcred Unibanco SA 184 Banco Itaú BBA SA 29 Banco Itaú Consignado SA Banco Itaú Veículos SA 479 Banco ItauBank SA Banco Itaucard SA Banco Itaúleasing SA 376 Banco JP Morgan SA 74 Banco J. Safra SA 217 Bank John Deere SA 600 Banco Luso Brasileiro SA 243 Banco Maxima SA 389 Banco Mercantil do Brasil SA 370 Banco Mizuho do Brasil SA 746 Modal Bank SA 456 Banco MUFG Brasil SA 169 Banco Olé Bonsucesso Consignado SA 212 Banco Original SA 623 Banco PAN SA 611 Banco Paulista SA 643 Banco Pine SA 747 Banco Rabobank International Brasil SA Bank RCI Brasil SA 633 Banco Rendimento SA 120 Banco Rodobens SA 422 Banco Safra SA 33 Banco Santander (Brasil) SA 743 Banco Semear SA 276 Banco Senff SA 630 Banco Smartbank SA 366 Banco Société Générale Brasil SA 464 Banco Sumitomo Mitsui Brasileiro SA 82 Banco Topázio SA Banco Toyota do Brasil SA 634 Banco Triângulo SA Banco Volvo Brasil SA 655 Banco Votorantim SA 610 Bank VR SA 119 Banco Western Union do Brasil SA 102 Bank XP SA Yamaha Motor do Brasil Bank SA 21 BANESTES SA Bank of the State of Espírito Santo 755 Bank of America Merrill Lynch Banco Múltiplo SA 250 BCV - Banco de Crédito e Varejo SA 144 BEXS Banco de Cambio SA 17 BNY Mellon Banco SA 70 BRB - Banco de Brasília SA 104 Federal Savings Bank 320 China Construction Bank (Brazil) Banco Múltiplo SA 477 Citibank NA 487 Deutsche Bank SA - German Bank 64 Goldman Sachs do Brasil Banco Múltiplo SA 62 Hipercard Banco Múltiplo SA 269 HSBC Brasil SA - Investment Bank 492 ING Bank NV 652 Itaú Unibanco Holding SA 341 Itaú Unibanco SA 488 JPMorgan Chase Bank, National Association 399 Kirton Bank SA - Multiple Bank 128 MS Bank SA Exchange Bank 254 Paraná Banco SA 125 Plural SA - Multiple Bank Scania Bank SA 751 Scotiabank Brasil SA Multiple Bank 95 Travelex Exchange Bank SA 129 UBS Brasil Banco de Investimento SA POR ORDEM ALFABÉTICA

The Daycoval Bank Banco Daycoval offers corporate and personal services. Despite being a Midsize Bank headquartered in Brazil. The products (services) offered by Daycoval are Personal Banking and also for companies such as credit card, credit, investments, brokerage, bill collection, custody, among others. It is also well known as payroll loan and vehicle financing. It also operates with various insurance, such as health, sureties, fire for companies, and risk. The Bank has around 40 branches located in 18 states. Founded in 1968, with headquarters in São Paulo, it has approximately one thousand employees. It was created by Sasson Dayan, Ibrahim Dayan, Alberto Dayan. It is currently chaired by Salim Dayan since 2012. In terms of sales in the sector, it is a medium-sized bank, with an average annual net profit in the range of 200 million. Daycoval's Customer Service Channel is 0300 111 0500. The Customer Service Center also provides an option to service the hearing and/or speech impaired, you can use the number 0800 775 2005. Other Phones: SAC 0800 775 0500 SAC CREDIT CARDS 0800 880 6158 OMBUDSMAN 0800 777 0900 Page: www.daycoval.com.br CCB - Bank Credit Bill Simplified Registration Form Individual Portability Request Authorization for Payroll Discount Authorization for Payroll Loan Payment

What is portability? Credit portability was created by the BC (Central Bank) to promote greater competition among banks to practice lower interest rates for the customer. Portability is what was known as buying debt (almost extinct). The purchase of debt was based on the customer going to the bank of origin, which he made the loan, and requesting a slip for another bank to pay off (pay) the debt and make a new loan, normally with the same amount of installment and a rate of lower interest. However, banks made life difficult for the customer and created numerous processes and bureaucracy in order not to lose the customer to the competition. The BC (Central Bank) observing this abusive practice by banks, created a new method of buying debt, portability. Now, you no longer need to go to the bank where you made the loan to request the debit balance slip, just go to the new bank of your choice and enter your contract number and this new bank will create a portability request, that is, it will, through the Central Bank, request the outstanding balance of the client's loan from the bank he has a loan with and pay off this debt without needing a payment slip or even going to the bank. Everything is done through the computer and supervised by the Central Bank. Portability can only be done for an interest rate lower than the current one. So, BC (Central Bank) made customers always take advantage of portability. Many companies, without bad intentions, say that by carrying out a portability, the new bank will release money for the customer. Portability does not release any value. It is just the transfer of debt from one bank to another with a lower interest rate. What happens then when the client has carried out the portability and received an amount on his account? This means that he carried out two credit operations, one for portability and the other for refinancing based on portability. Button Portability is always more advantageous than a new contract. Because, you will have the guarantee that you will have a lower interest rate and so two things can happen: a smaller amount of installment or a larger amount released. However, many people, due to urgency, opt for refinancing, as it has a period for releasing the amount between three to five days. While portability can last between 20 and 30 runs. But, if you are not in a hurry and are patient, opt for portability, as you will have a greater gain. what is consigned, inss application, I lend cash to retirees, by disability retirement, inss phone,

WHAT TO MAKE CREDIT CONSCIOUS PERSONNEL? SEE THE RULES FIRST AND CHOOSE A CONSULTANT SPECIALIZED ON THE SUBJECT: MAKE PERSONAL CREDIT WITH THOSE UNDERSTAND: ROBERTO TAP THE PHOTO TO GO TO WHATSAPP

What is a digital contract? The Digital Contract is currently accepted by 99% of banks. When you take out a loan, a refinance, a portability or a payroll credit card, you no longer need to sign papers and more papers. When the loan proposal (contract) is entered into the bank's system, instead of papers to sign, you will receive your contracts via SMS or Whatsapp and will be able to see all contracted options sent directly from the bank. If you agree, these messages will contain a link (address of a website or application) that will ask you if the information is correct and you will say yes or no. If so, the contract continues. If not, the contract is cancelled. If you continue with the contract, it will ask you to send your ID and other documents over the phone. And in the end, to make sure it's really you borrowing, he'll open his cell phone camera and take a live photo. It does not accept photos already taken. The photo has to be taken at the time to make sure that in front of the cell phone that confirmed the information is the loan holder. See below the sequence normally adopted by banks: Part 1 Part 2

SELF-REGULATION PAYROLL CREDIT REGULATION: WHAT IS IT? The Self-Regulation of Payroll Loans came into effect on January 2, 2021, intends to make the offer of credit less harassed and for this, some rules were added. Due to these new measures, the great harassment by banks will come to an end. If you are a retiree or pensioner of the INSS (National Social Security Institute), this way you are aware of your rights and how to proceed. The Self-Regulation of Payroll Loans was created by FEBRABAN (Brazilian Federation of Banks). This was the name given to Self-Regulation for Payroll Loans and Payroll Credit Cards with payment made at the Customer's payment source, whose creators were FEBRABAN and ABBC (Brazilian Banking Association). In this way, banks can choose to participate in this self-regulation and start to give greater respect to customers of payroll-deductible products. On the other hand, customers can protect themselves, are less harassed and a new channel to assert their rights. Self-regulation has many principles, which you can see at this address: https://portal.febraban.org.br/noticia/3395/pt-br/ or by clicking here . These two links lead directly to Febraban's page on the Self-Regulation of Payroll Loans. Or, you can search the Febraban internet search engine and look for this matter on the FEDERAÇÃO BRASILEIRA DE BANCOS page. Here are the main goals of self-regulation, in summary: CREATION OF THE CONNECTION BLOCK AVAILABLE TO CONSUMERS WHO DO NOT WANT TO RECEIVE PAYROLL CREDIT OFFERS, DESIGNATED AS DO NOT DISTURB. CREATION OF THE DATABASE TO MONITORING COMPLAINTS RECEIVED FROM INADEQUATE CREDIT OFFERS. OTHER MEASURES THAT, IN GENERAL, AIM TO EXCLUDE OR REDUCE HARASSMENT FROM THE COMMERCIAL FORMAT AND QUALITY OF THE BANK CORRESPONDENTS. Do banks have to participate in this measure on a compulsory basis? No. Banks can join assuming a greater commitment to rights and transparency to customers. And those who take over, can revoke by requesting in a format governed by 15 days in advance. Which banks have already accepted this self-regulation, these are the banks that accepted the Self-Regulation of Payroll Loans: Agibank; Alpha Bank; Alpha Financial; Banrisul; Barigui Bank; Bradesco SA; Bradesco Financing; cetelem, Daycoval; Digio Bank; Bank of Brazil; Banco do Nordeste; Banco Estrela Mineira; Interbank, Itaú Unibanco; Payroll Itaú; Mercantile Bank; Financial Mercantile; Pan Bank; Safra Bank; Santander; BMG; Bank of Brasilia; BV Financial; CASHIER; CCB Brazil; Financial Fact; Olé Bonsucesso; Paraná Bank; and Sicredi. One of the major measures was the creation of the DON'T DISTURB registry, where customers can register and banks will monitor with their promoters and their respective agents the practice of harassing registered numbers. From time to time, banks update the registration so that all their "members" can download and include in their DATABASE. Follow the address of Do Not Disturbe: https://www.naomeperturbe.com.br/ . Or click here to go to the same address. AMTRUTH TEAM www.amtruth.com.br 0800 606 7070 (Whatsapp and Telephone)

RELATIONSHIP OF CITIES WITH PAYROLL LOAN LISTS Search for your city by clicking here or download the files after registration by clicking here MAIS CIDADES Olhos-d'Agua AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Olhos-d'Agua MG MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Minas Gerais Cocal dos Alves AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Cocal dos Alves PI MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Piaui Americano do Brasil AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Americano do Brasil GO MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Goias Perobal AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Perobal PR MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Parana Sao Jose da Boa Vista AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Sao Jose da Boa Vista PR MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Parana Vereda AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Vereda BA MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Bahia Bahia Candido Godoi AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Candido Godoi RS MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Rio Grande do Sul Tanque d'Arca AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Tanque d'Arca al MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Alagoas Bom Jesus do Amparo AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Bom Jesus do Amparo MG MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Minas Gerais Palmeirante AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Palmeirante TO MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Tocantins Caibi AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Caibi SC MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Santa Catarina Alambari AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Alambari SP MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Sao Paulo

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Página Inicial Loan for negative Faça já sua simulação. Resultado em até três horas O que eu preciso saber de Empréstimo para Negativados? Empréstimo para Margem Negativa no consignado? Hoje temos diversas soluções para quem está com a margem esgotada ou negativa no empréstimo consignado. Uma grande oportunidade é o Empréstimo Pessoal Dacoval com débito em conta. Vale ressaltar que é esta modalidade ao contrário das outras, só contempla servidores em geral. Já Clientes de Empréstimo Consignado, você tem duas opções para fazer empréstimo com margem negativa, você pode fazer um refin ou, na segunda opção, fazer uma portabilidade para reduzir sua margem negativa e assim, realizar demais operações já com a margem positiva. Solicite uma simulação e veja se é possível tirar sua margem negativa. The Customer who has a fixed income The Customer who does not have a fixed income In the first case, banks are more willing to provide credit. It is obvious that this is a client who has monthly income, that is, is on a constant payroll, whether it is for life, such as retirement, or non-life, as is the case with private workers.. But, very much although, despite the negative client who does not have a fixed income, he may have a good score, despite some isolated restrictions in the restriction agency. Let's understand better. The Loan for Negative Persons had two distinct characteristics: Se este é o seu problema, ele pode terminar em algumas horas? Se o seu problema for de negativado por restriçao de crédito, veja nossa página sobre restrições e score: COMO CRIAR SCORE MESMO NEGATIVADO? Voltar

RELATIONSHIP OF CITIES WITH PAYROLL LOAN LISTS Search for your city by clicking here or download the files after registration by clicking here MAIS CIDADES Alegria AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Alegria RS MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Rio Grande do Sul Sandolandia AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Sandolandia TO MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Tocantins Sao Felix de Minas AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Sao Felix de Minas MG MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Minas Gerais Paraiso AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Paraiso SC MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Santa Catarina Colinas do Sul AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Colinas do Sul GO MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Goias Santa Rosa da Serra AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Santa Rosa da Serra MG MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Minas Gerais Santa Rita do Novo Destino AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Santa Rita do Novo Destino GO MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Goias Barreiras do Piaui AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Barreiras do Piaui PI MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Piaui Nova Brescia AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Nova Brescia RS MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Rio Grande do Sul Calmon AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Calmon SC MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Santa Catarina Chapada da Natividade AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Chapada da Natividade TO MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Tocantins Pequeri AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Pequeri MG MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Minas Gerais

12 SKILLS WHAT'S SPECIAL? After calling, accompanying attendants and setting up some Call Centers (telemarketing) in Brazil, I always realized that the human factor is the most important of all. My biggest fear was doing a consultancy and finding people who didn't have the skills to sell, worse, to sell over the phone. And even more aggravating, without any desire to evolve - "job to pass the rain". What many people don't know is that selling doesn't have to be seen as difficult and selling payroll loans over the phone shouldn't be seen as a tragedy after the first few moments making calls and receiving many no. And, of course, when you get a yes and are super happy, it's almost always a customer who doesn't have any credit or paycheck space for anything else. Plus, this page was made for you to have a different look at payroll loan sales in general, mainly over the phone, but not only that. Come on! Let's talk about basic skills (skills): It is very important that you write down and list these skills for phone sales. Many I've been through, others I captured buying the best 'Phone Sales' training found in the biggest Call Centers in the world, mainly in the United States. In these trainings, I made associations and reached 18 crucial skills for you to FAST GROW IN PHONE CREDIT SALES: TONE OF VOICE: Your voice is much more important than you think. She convinces, she excites, she captivates, just as she annoys, pushes and annoys. Work your voice tone at home in front of the mirror and singing songs. Then run simulations with relatives and welcome your voice feedback! USE PERSON'S NAME: Who doesn't like to hear your voice? So make use of that innate ego of human beings. Speak his name at least three times (first name only). This will create an unconscious bond and the bond will be more open and lasting. IF YOU CAN INVITE A VISIT TO THE STORE, DO IT! There is nothing better than receiving an invitation to meet someone else. Say, in other words, that you are a special, caring, caring person and that your store is great and that he cannot miss the chance to meet you. It is always easier to close a melee sale. IF YOU HAVE TO SELL BY PHONE ONLY: Don't let it be a quick deal. Do it dear, show him attention by giving him valuable information, making it clear that he is important. The sale of the loan will be a consequence of your relationship combined with the client's needs. NEVER BE THE FIRST PERSON TO TURN OFF THE PHONE: Show that you would like that call to be endless. And, it can always happen, the customer remembers something and shares a lot of importance for closing or increasing the sale. USE ILLUSTRATIVE WORDS! Words that describe and portray what you are trying to say, metaphors, comparisons, associations are always a way to draw for the client and facilitate their understanding. Of course, this brings a "moral" for you. know how to speak Speak to any customer with the same level of interest, regardless of what that call will yield. ALWAYS HAVE THE PERSON'S NAME WRITE DOWN ON A PAPER! Forgetting or changing the customer's name would be unconsciously disastrous for the customer. It's like realizing that it HAS NO VALUE. Beware of background noise. Having a difficult-to-communicate connection irritates both the customer and you, and you can get to the end sooner than enough and objective. STAY QUIET WHEN THE CONNECTION ENDS. The Customer may think the call is over and you may end up hearing something positive about closing the sale or something contrary that you can work out arguments to close the sale. SKILL 11 SKILL 12 SKILL 13 SKILL 14 SKILL 15 SKILL 16 SKILL 17 SKILL 18 These other skills you can learn in my Payroll Loan Sales and Bulk Tools course that will get you 70% off. That's right. From R$ 450.00 to R$ 135.00. This price is paid per company and not per person as a PDF presentation at the end of the COURSE. AND THERE'S MORE! IF YOU DON'T LIKE OR DON'T INCREASE YOUR SALES, YOU CAN REQUEST YOUR INVESTMENT IN UP TO 20 DAYS. ACCEPT THE CHALLENGE. BUY IT NOW! BACK HOME PAGE Âncora 1

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