Capital Enhancement Services offers a variety of products and services that have significant recognition and demand in the consumer marketplace.  The products currently being offered include:

The PREMIUM Club^TM
The Premium Club is an array of travel discounts at major lodging chains and national auto rental agencies as well as merchandise discounts at well-known national retailers.  These include discounts at hotel properties such as Super 8, Days Inn, Comfort Suites and Red Roof Inns, car rental agencies such as Avis, Budget, Hertz and retail merchants such as 1-800-FLOWERS, The Popcorn Factory and Omaha Steaks.

Credit Life and Payment Insurance
CES administers a credit life and payment insurance program for financial institutions. This product provides additional revenue opportunities to the financial institution by sharing in the revenue received through monthly premiums. This insurance program provides monthly payment protection to the financial institution’s cardholders. If a cardholder becomes involuntarily unemployed, totally disabled or takes a family leave of absence from work, it will pay their minimum monthly payment. This insurance will also pay the unpaid account balance, up to $5000, if the cardholder should die. This product helps ensure cardholders are able to make their monthly payment obligations in times of economic hardship.

Debt Cancellation and Debt Suspension
CES also administers a debt cancellation and debt suspension program for financial institutions. This product has similar features and benefits to credit life and payment insurance. However, this is not an insurance product. Because it is not an insurance product, it offers the financial institution flexibility in product configuration and pricing. Insurance based products do not have the flexibility in these areas, since they fall under stricter regulations and state insurance laws. This product provides revenue opportunities to the financial institution through monthly fees. This program provides monthly payment protection to cardholders. If a cardholder becomes unemployed, disabled or hospitalized, it will pay their minimum monthly payment. The debt cancellation will also eliminate the unpaid balance, up to $5000, if the cardholder should die. This product ensures cardholders are able to stay current with their monthly payment obligations.