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First American Payment Systems
OUR QUALIFICATIONS TO SERVE
Ta b l e o f C o n T e n T s




                                                                   confidence  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 1


                                                                   overview  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 2


                                                                   A different Kind of processor  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 3


                                                                   experience  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 4
                                                                                             senior management team
                                                                                             First American's resource Assignment Approach


                                                                   security and stability  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 8


                                                                   merchant Boarding  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 9


                                                                   merchant settlement and payment  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 10


                                                                   support  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .11


                                                                   online resources  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 13


                                                                   contact information  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 15




                F i r s t A m e r i c A n p Ay m e n t s y s t e m s — d e d i c At e d t o y o u r s u c c e s s
ConfidenCe
                                                                                                                                            1




First American payment systems
dedicated to cultivating your success
stA BiL i t y                                                                issues . the knowledgeable, highly-trained staff operates in a call

count on us .                                                                center just blocks away from company headquarters and offers

For two decades, isos and merchants across the country have                  the highest level of service in the industry .

put their confidence in First American payment systems . With a
highly-accomplished senior management team and a philosophy                  support
built around relationships, reliability and honesty, you can depend          Always by your side .
on us to help you expand your business and deliver enterprise                Whether you are a new or established iso, First American

solutions .                                                                  has the resources in place to assist you every step of the
                                                                             way . you will receive assistance with marketing development,

G r oW t H                                                                   portfolio analysis, training, information disbursement, proposal

cultivating success .                                                        preparations and much more . our various support teams assist

We are well-positioned to help our isos with business                        sales partners with boarding and maintaining merchant accounts

expansion . First American has helped many of its isos grow                  and help merchants download, install, train on, reprogram and

their businesses with capital allocation . Additionally, the client          troubleshoot equipment .

relations department plays a pivotal role in Agent/iso growth .
our dedicated consultants provide training, assistance and                   so Lutions
strategic advice designed to increase your profitability and                 comprehensive products .
expand your business, based on your goals . A consultant will                your merchants will be pleased with the variety of products you

be assigned to your account to assist in the management of your              have to offer through First American . We are one of the only

merchant accounts, supporting and driving you to maximize                    processors to own and operate all of our core products and

sales and revenue .                                                          services . We offer credit, debit, check, e-commerce processing
                                                                             and much more . We have also formed strategic partnerships

se rV i c e                                                                  with additional companies for merchant cash advance, wireless

meeting merchant needs .                                                     solutions and a wide range of equipment .

We are not satisfied until your merchants are . that is why we have
a round-the-clock customer service team available 365 days a
year to help your merchants (and you) with service and technical




                          F i r s t A m e r i c A n p Ay m e n t s y s t e m s — d e d i c At e d t o y o u r s u c c e s s
overview
                                                                                                                                                2




W Ho We A r e A n d W H At W e do                                              its own, in-house products and gradually adding more services to

First American payment systems, a premier payment processing                   its product line . early products included secur-chex®, our check

company, provides thousands of merchants with the ability to                   guarantee program, and merimac capital® equipment leasing .

accept credit cards, with in-house payment products and 20 years’              pin-based debit card processing was added in 1998, and our

experience . First American gives independent sales organizations              e-commerce payment gateway, online reporting, and enhanced

(isos) and Agents the right tools to deliver enterprise credit card            electronic secur-chex program was added early in the new

processing solutions and grow their businesses .                               millennium . First American continues to grow and add new
                                                                               products such as gift cards, AcH, and eBt processing to benefit
scope                                                                          its partners and eliminate the need for third party providers . First
First American payment systems currently services in excess of                 American has broadened its offering with numerous acquisitions
120,000 merchants nationwide and processed $9 billion in Visa                  over the years, our most recent being canadian-based iAts,
and mastercard and 135 million transactions in 2009 .                          allowing us to expand into new markets and generate new
                                                                               business .
currently, more than 1,400 W-2 employees work for First
American .
                                                                              We are:
Background                                                                    •	 Positioned	to	help	our	partners	with	business	expansion.
                                                                              •	 Dedicated	to	delivering	competitive	commissions,	bonuses	
First American began business as a small credit card acquirer in
                                                                                 and residuals
palm springs, california in 1990 . it later relocated to Fort Worth,          •	 Committed	to	providing	the	best	products	and	customer	
texas in 1993 . since then, First American has grown by developing               service in the industry




                 Back row (L to r): Jinni touchstone, John newton, Jason putnam and Kevin Jones .
                 Front row (L to r): Vanessa Grinnell, rhoda steward, Joyce de Guzman and rita smith .


                           F i r s t A m e r i c A n p Ay m e n t s y s t e m s — d e d i c At e d t o y o u r s u c c e s s
a differenT kind of ProCessor
                                                                                                                               3




o u r A p p r oA cH i s u n i q u e
                                                                               First American continuously analyzes industry
customized
                                                                               trends, and requests feedback from its isos,
First American builds its programs around your professional needs .
revenue share and bonuses can be adjusted based on experience                  sales agents, merchants, bank partners,
and preference . We also tailor our marketing and client relations
approaches depending upon your business goals .                                processors, and other partner relationships

dynamic                                                                        to determine direct trends in the marketplace .
First American continuously analyzes industry trends and requests
                                                                               Based on the feedback we receive, our team
feedback from partners and merchants to determine direct trends
in the marketplace . Based on the feedback we receive, our team                determines the best solutions to exceed our
determines the best solutions to exceed our clients’ needs .
                                                                               clients’ needs .
comprehensive
First American utilizes its own proprietary front-end and back-end
systems to process the majority of transactions, and we have
additional access to third-party front-end systems with chase
paymentech, Global, Fifth third, Buypass, and tsys . utilizing
our own proprietary front-end and back-end processing platforms
allows First American to offer lower pricing and personal service
to our merchants .


our extensive and cost-effective product line is developed and
implemented in-house, which consolidates your client’s business
needs:
•	 Credit,	debit,	EBT	and	ACH	processing
•	 Check	processing	and	verification
•	 Customized	gift	cards	and	processing
•	 Proprietary	terminals	for	sale	or	lease
•	 In-house	virtual	terminal	and	e-commerce	solutions
•	 ATM	sales,	leasing	and	placements
•	 Online	reporting




                           F i r s t A m e r i c A n p Ay m e n t s y s t e m s — d e d i c At e d t o y o u r s u c c e s s
exPerienCe
                                                                                                                                                    4




our senior mAnAGement t e Am

First American’s senior management team has a combined industry experience of over 71 years .




                                                                    neiL L . rAndeL
                                                                    chairman & ceo




            deBrA A . BrAdFord                               HoWArd W . Herndon                                             ricK riZenBerGs
                president & cFo                               eVp & General counsel                                         eVp sales & marketing




              miKe LAWrence                                BriAn dorcHester                                                   KeVin Jones
                  eVp & cio                                   sVp of operations                                         Vp of sales & marketing




                                                                                                                            rHodA steWArd
                                                                                                                              director of sales




                        F i r s t A m e r i c A n p Ay m e n t s y s t e m s — d e d i c At e d t o y o u r s u c c e s s
exPerienCe
                                                                                                                                                   5




                           neiL L . rAndeL                                                                   HoWArd W . Herndon
                           Chairman & Chief Executive Officer                                                Executive Vice President & General
                                                                                                             Counsel
                           p: 817-317-9130
                           F: 972-428-5252                                                                   p: 817-317-9153
                           neil .randel@first-american .net                                                  F: 972-428-5252
                                                                                                             howard .herndon@first-american .net


neil L . randel has been in the industry for more than 25 years,                   Howard W . Herndon has 22 years’ experience in general
beginning his career as a merchant level sales representative .                    corporate securities and m&A matters involving the payments
in 1987, neil founded national merchant services, a texas-                         industry . He has represented many leading payments companies
based iso . in 1990, he founded Firstnet corporation, which                        including pmt services, ipayment, Link2Gov (now metavante),
provided credit card processing utilizing a nationwide sales force .               and network 1 Financial (now sage payment solutions) .
neil purchased 50% of First American in 1993 and became                            Howard joined First American in 2004 as the legal counsel .
president and chief executive officer in 1998 . in his current
position as chairman and chief executive officer of the Board,
he is responsible for overseeing all sales, operations, marketing,                                           miKe LAWrence
investments and overall company direction .                                                                  Executive Vice President & Chief
                                                                                                             Information Officer

                                                                                                             p: 817-317-7244
                                                                                                             F: 972-428-5252
                           deBrA A . BrAdFord                                                                mike .lawrence@first-american .net
                           President & Chief Financial Officer

                           p: 817-317-9140                                         mike Lawrence joined First American in 2006 and is responsible
                           F: 972-428-5252                                         for the strategic direction and vision of information technology
                           debra .bradford@first-american .net
                                                                                   initiatives across First American's multiple business channels .
                                                                                   With more than 20 years of experience in engineering and
                                                                                   development, mike has worked in a number of different business
debra A . Bradford has also been in the industry for more than                     segments, most recently working at Ace cash express where he
25 years . debra came to First American in 2001 as senior Vice                     served as Vice president of retail store systems .
president and chief Financial officer . previously, she maintained
a 15-year career with ips card solutions, a division of First
data corporation . debra's responsibilities entail overseeing all
financial data for First American and guiding each company’s
direction in sales initiatives .




                               F i r s t A m e r i c A n p Ay m e n t s y s t e m s — d e d i c At e d t o y o u r s u c c e s s
exPerienCe
                                                                                                                                                6




                        ricK riZenBerGs                                                                  KeVin Jones
                        Executive Vice President Sales &                                                 Vice President of Sales & Marketing
                        Marketing
                                                                                                         p: 817-317-9167
                        p: 817-317-9149                                                                  F: 972-428-5252
                        F: 972-428-5252                                                                  kevin .jones@first-american .net
                        rick .rizenbergs@first-american .net



rick rizenbergs began his career with First American in 2007 .                 Kevin Jones joined First American in 2007 and has more than
He is focused on setting and directing a strategic path for First              15 years of industry and banking experience . prior to working
American's diverse sales channels, and responsible for managing                at First American, Kevin built the Financial institutions program
all of the subsidiary sales channels of First American . rick has              at chase paymentech, where he worked for seven years . Kevin
over 20 years' experience in sales management . most recently                  is responsible for developing and ultimately achieving all sales
he served as Vice president of sales for north America at siemens              initiatives within the strategic partner channel including iso
medical solutions, where he was responsible for managing                       offices, financial institution offices, association offices, non-
multiple distribution and sales channels .                                     traditional referral partners and internal sales . He is additionally
                                                                               responsible for overseeing the client relations team and all
                                                                               marketing efforts . prior to the payments industry, Kevin held
                                                                               many different leadership positions with central carolina Bank,
                                                                               most recently as a regional manager .
                       BriAn dorcHester
                       Senior Vice President of Operations

                       p: 817-317-9124
                       F: 972-428-5252
                       brian .dorchester@first-american .net




Brian dorchester currently serves as the senior Vice president
of operations and oversees the risk management, operations,
compliance,      quality    Assurance,       deployment,        system
implementation, and customer service departments .                Brian
joined First American payment systems in 2001 after working
at First data corporation for 13 years, and comdata Financial
services as the director of operations . Brian possesses over 20
years of industry experience, with expertise in management and
operations .




                           F i r s t A m e r i c A n p Ay m e n t s y s t e m s — d e d i c At e d t o y o u r s u c c e s s
exPerienCe
                                                                                                                                             7




                       rHodA steWArd
                                                                               First AmericAn's
                       Director of Sales                                       resource ApproAcH

                       p: 817-317-2687
                       F: 817-317-9108                                         our seasoned team of sales professionals and consultants
                       rhoda .steward@first-american .net                      will be highly instrumental in working with your business . As
                                                                               needed, we can draw upon an extensive team of technical
                                                                               and industry specialists to provide additional value and
As director of sales, rhoda steward joined First American                      insight .
in 2007 to oversee strategic partnerships . rhoda works with
isos, banks and associations to establish, maintain and develop                First American's goal is to match our team’s industry experience
lasting merchant services relationships . rhoda came to First                  and qualifications with your needs, expectations and objectives
American with five years of industry experience from chase
                                                                               — and to keep dedicating them to your success . throughout our
paymentech, where she developed and lead a national sales
                                                                               business partnership, we will periodically add new staff to
and relationship management team responsible for capitalizing
                                                                               our organization . in an effort to maintain relationships and
on referrals from strategic partners . At First American, rhoda’s
                                                                               knowledge levels, we strive to provide you with a dedicated
role is to grow our strategic partnership channel and utilize
                                                                               and consistent team of First American associates .
First American’s products and services to meet the needs of our
partners .



                       JoHn neWton
                       Manager of Partner Sales

                       p: 817-317-2964
                       F: 817-317-9108
                       john .newton@first-american .net




With more than eight years of industry experience, John newton
is dedicated to establishing, maintaining, and developing
core relationships that offer flexible and valuable solutions to
agents and isos . John comes to First American from chase
paymentech where he was also instrumental in developing
referral partnerships . John also works to enhance our current
product offerings and services, executing his vision to develop
and strategize long- and short-term goals .




                           F i r s t A m e r i c A n p Ay m e n t s y s t e m s — d e d i c At e d t o y o u r s u c c e s s
s e C u r i T y & s Ta b i l i T y
                                                                                                                                                 8




Ke e p i nG e V e r y t H i nG sA Fe And
se c u r e

pci compliance                                                                  infrastructure
First American payment systems is dedicated to maintaining strict               First American has invested in state-of-the-art technologies
compliance with payment card industry data security standards                   to provide the highest levels of confidentiality, integrity and
from a corporate and merchant perspective .              First American         availability of data and computing resources . First American
employs state-of-the-art technology to meet or exceed industry-                 employs a high-level team of engineers to monitor and maintain
based security requirements in addition to providing merchants                  all systems and, in the event of an emergency or disaster,
with a comprehensive framework to monitor and assist with                       has the ability to recover critical systems to maintain business
compliance, audit and remediation initiatives .                                 functionality and system availability . critical systems will recover
                                                                                in a priority sequence, with the first systems becoming operational
in 2009, First American partnered with industry leader trustwave                almost immediately after a processing interruption . Back-up and
to implement a simple, user-friendly compliance program for                     redundant systems are housed in a local data center .
merchants called pci smart . the program’s web portal simplifies
complex industry security and technology requirements and is
designed to help merchants achieve and maintain compliance
with security standards . merchants who are pci compliant reduce
their chances of security breaches and associated fines imposed
by the card associations .




                             F i r s t A m e r i c A n p Ay m e n t s y s t e m s — d e d i c At e d t o y o u r s u c c e s s
MerCHanT boardinG
                                                                                                                                     9




A p p Li c At i o n A p p r o VA L

quick, simple setup .
the entire account setup process is completed within 24 to 48 hours after the application is received . if the application is received by
noon (cst), the application qualifies for same-day setup . Applications received after noon (cst) will roll over to the following day for
completion .




                          F i r s t A m e r i c A n p Ay m e n t s y s t e m s — d e d i c At e d t o y o u r s u c c e s s
M e r C H a n T s e T T l e M e n T & P ay M e n T
                                                                                                                                                                                                                                                                             10




se t t L e m e n t

paying the merchant .
First American’s settlement platform cycles daily, creating a daily AcH payment to merchants for Visa/mastercard and discover
transactions (except discover retained merchants) . the AcH file is transmitted daily to KeyBank, who then sends it to the Federal reserve
at the close of each day excluding saturday .


Funds AVAiLABiLity cHArt
     mondAy                           tuesdAy                       WednesdAy                             tHursdAy                              FridAy                         sAturdAy                            sundAy                            mondAy        tuesdAy
        mo1                                mo2                               mo5
                                           mo3
                                           mo4
                                            tu1                               tu2                                tu5
                                                                              tu3
                                                                              tu4
                                                                             We1                                We2                               We5
                                                                                                                We3
                                                                                                                We4
                                                                                                                 tH1                               tH2                                tH5
                                                                                                                                                   tH3
                                                                                                                                                   tH4
                                                                                                                                                    Fr1                               Fr2                                Fr3                                 Fr5
                                                                                                                                                                                                                         Fr4
                                                                                                                                                                                      sA1                               sA2
                                                                                                                                                                                                                        sA3
                                                                                                                                                                                                                        sA4                                  sA5    su5
                                                                                                                                                                                                                        su1                                  su2
                                                                                                                                                                                                                                                             su3
                                                                                                                                                                                                                                                             su4

1 = BAtcH cLosed                              2 = process                         3 = AcH                     4 = FrB post                         5 = mercHAnt post

•	   merchant closes batch monday  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .AcH File to Fed by 2 Am Wednesday
•	   merchant closes batch tuesday . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .AcH File to Fed by 2 Am thursday
•	   merchant closes batch Wednesday  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .AcH File to Fed by 2 Am Friday
•	   merchant closes batch thursday  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .AcH File to Fed by 2 Am saturday
•	   merchant closes batch Friday  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .AcH File to Fed by 2 Am monday
•	   merchant closes batch saturday  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .AcH File to Fed by 2 Am monday
•	   merchant closes batch sunday . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .AcH File to Fed by 2 Am tuesday




                                                            F i r s t A m e r i c A n p Ay m e n t s y s t e m s — d e d i c At e d t o y o u r s u c c e s s
suPPorT
                                                                                                                                               11




customer serVice                                                               HA nds -on H eL p

merchant support .                                                             partner support .
First American houses and employs its own customer service                     First American provides ongoing personal service and assistance
center . customers may contact customer service via email or on                that your organization deserves when entering a partnership .
our toll-free number, 24 hours a day, 365 days a year .
                                                                               First and foremost, partners can expect full service from their
the average wait time is 45 seconds to reach a customer service                client relations consultant . in addition to helping Agents
representative . our abandonment rate is 5 percent and the                     and isos grow their businesses, our associates assist with
average call time is 6 minutes, 21 seconds .                                   marketing development, portfolio analysis, training, information
                                                                               disbursement, and proposal preparations . the consultants
more than 20 percent of our staff is bilingual, speaking both                  provide the kind of tactical training and assistance you need to
english and spanish .       All representatives have access to a               help manage your merchant accounts and maximize your sales
translator for virtually any translation, free of charge .                     and revenue . please refer to page 1 for more information on how
                                                                               crcs work to grow your business .
An automated phone greeting allows the caller to select what type
of assistance they need, then routes the call to the first available           First American also houses its own marketing department to fill
customer service or technical support representative . in some                 any marketing requests for the company and its partners . our
situations, we may assign one of our supervisors as a central point            marketing team develops, designs and implements all of our
of contact for escalated issues .                                              marketing materials including direct mail, brochures, letters, press
                                                                               releases, advertising, newsletters, mass emails, posters, etc . our
                                                                               team can customize any existing marketing materials or create
                                                                               customized pieces for your office .




                            F i r s t A m e r i c A n p Ay m e n t s y s t e m s — d e d i c At e d t o y o u r s u c c e s s
suPPorT
                                                                                                                               12




partner support . (continued)
our partners can also depend on various departments to lend a
hand with their merchants throughout the duration of the accounts .
Here are a few examples:


the Application care team contacts the partner or merchant
directly when their applications are pended to help them through
the approval process .


Agent support and maintenance support assist our sales partners
with any questions related to boarding and maintaining their
merchant accounts .


the system implementation team can be utilized for a fee to
contact merchants on behalf of our partners to download, install,
and train on pos equipment .


the download Assistance center is responsible for assisting
partners with the installation, reprogramming, or troubleshooting
of credit card equipment & peripheral devices .




                           F i r s t A m e r i c A n p Ay m e n t s y s t e m s — d e d i c At e d t o y o u r s u c c e s s
online resourCes
                                                                                                                                                       13




iso & AGent reports:
dAiLy dAsHBoArd
you can get up-to-the-minute reporting, information and sales tools              •	Merchant	app	summary	report.	This	shows	a	running	count	of	

online by logging onto the daily dashboard .                                        merchant applications by status and date .
                                                                                 •	Residual	report.	See	and	download	your	residual	reports.	The	

Here are a few of the functionalities available:                                    residual reports are structured to display the following:

•	 See	 all	 activities	 pertaining	 to	 boarding	 a	 new	 merchant	
                                                                                                            sALes oFFice
    account .
•	 Track	 merchant	 calls	 pertaining	 to	 contract	 information	 or	 to	                                   office Group
    account closure .
                                                                                                         sales rep number
•	 Design	a	query	on	merchants	who	have	not	sent	transactions	
                                                                                                               merchant
    for a defined period of time .
•			Download	residual	reports.		
•	 Receive	alerts	on	merchant	retention	status	notes	via	SMS/text	 Pricing Model
   messaging .                                                     Forecast your income with the pricing model simply by filling out an
                                                                                 automated form . once you finish filling out the form, you will see a

Status Reports                                                                   profitability index . you may adjust rates and fees to alter the index .

these reports offer a look at merchant activity, from application                When the desired profit is displayed, you can generate a report

status to account activity .                                                     and print a bid sheet to take to your merchant .

•	 New	application	status.	See	submission	dates,	statuses,	updates,	
   alerts and more .                                                             dAiLy dAsHBoArd sAmpLe reports
•	 Equipment	status.	Notes	on	leased	equipment	show	up	on	this	                   new Application status report
   report 30-90 days from submittal .
•	 Maintenance	 status.	 Merchants	 with	 any	 changes	 to	 their	
   accounts, including address changes, card and equipment
   adds and more will be visible on this report .
•	 Retention	status.	Get	alerts	that	a	merchant	may	be	closing	his	
   or her account and act quickly to save the account .                            otHer reports AVAiLABLe
                                                                                   merchant App summary report            retention status report
                                                                                   equipment status report                merchant inactivity report
Portfolio Data                                                                     maintenance status report              residual report
Get a glimpse of boarding deals and inactivity as well as your
residuals .
•	Merchant	inactivity	report.	Create	a	query	on	merchants	
   who have not sent transactions for a certain period of time .




                               F i r s t A m e r i c A n p Ay m e n t s y s t e m s — d e d i c At e d t o y o u r s u c c e s s
online resourCes
                                                                                                                                                                                                                                            14




                                                                                  Credit Card Submitted for Settlement Summary




mercHAnt reports                                                                 FirstVieWforsAmpLe reports - DEES
                                                                                 Credit Card Submitted Settlement Summary - 6280490000494591                                                                               Summary: 6/1/2007 -
                                                                                 MEAT PROCESSING                                                                                                                                     6/13/2007

First American offers the convenience of FirstView online reporting              credit card settlement summary
                                                                                                                                          Visa/MasterCard                                                                   Other
to the merchant for a small fee paid monthly per account . it                      Settle          Sales          Sales Returns Returns                 Swipe        Swipe Keyed Keyed AmEx     Disc  Diners  JCB
                                                                                   Date           Volume          Count Volume Count                   Volume        Count Volume Count Volume Volume Volume Volume
is optional to raise this charge to generate additional income .                  Credit Card Statement For June of 2007

                                                                                  6/1/2007
FirstView is a safe, fast and convenient way for your merchants to                                 $463.94               5       $0.00           0      $356.34             4 $107.60                1        $0.00      $0.00      $0.00    $0.00

                                                                                  6/2/2007         $940.29               9       $0.00           0      $940.29             9       $0.00            0        $0.00      $0.00      $0.00    $0.00

access their data 24 hours a day, 7 days a week from home, work,                  6/3/2007         $208.47               6       $0.00           0      $208.47             6       $0.00            0        $0.00      $0.00      $0.00    $0.00

                                                                                  6/5/2007         $284.30               8       $0.00           0      $284.30             8       $0.00            0        $0.00      $0.00      $0.00    $0.00
or anywhere online . robust reporting features combined with                      6/6/2007           $71.63              3       $0.00           0        $71.63            3       $0.00            0        $0.00      $0.00      $0.00    $0.00

                                                                                  6/7/2007
easy navigation offer a detailed accounting of all their merchant                                    $78.22              3       $0.00           0        $78.22            3       $0.00            0        $0.00      $0.00      $0.00    $0.00

                                                                                  6/8/2007         $727.94               8       $0.00           0      $727.94             8       $0.00            0        $0.00      $0.00      $0.00    $0.00

activity, down to individual transactions .                                       6/9/2007         $777.13               6       $0.00           0      $777.13             6       $0.00            0        $0.00      $0.00      $0.00    $0.00

                                                                                  6/10/2007        $300.45               7       $0.00           0      $300.45             7       $0.00            0        $0.00      $0.00      $0.00    $0.00
                                                                                   Credit Card Submitted for Settlement Detail
                                                                                  6/12/2007 $1,608.58                    9       $0.00           0 $1,608.58                9       $0.00            0        $0.00      $0.00      $0.00    $0.00

                                                                                  6/13/2007
merchants can access reports through First American’s website .                                    $137.67               6       $0.00
                                                                                 Credit Card Submitted 70 Settlement Detail - 6280490000494591-
                                                                                                       for $0.00
                                                                                                                                                 0      $137.67             6       $0.00            0        $0.00   $32.70        $0.00    $0.00

                                                                                 11 Day(s) $5,598.62                   0 $5,491.02    69 $107.60                                                     1        $0.00 Date: 6/1/2007 - 6/13/2007
                                                                                                                                                                                                               Settle $32.70   $0.00    $0.00
                                                                                 DEES MEAT PROCESSING
From there, they can view single or multiple locations on an                     Download this data in Microsoft Excel compatible format
                                                                                  Hold the mouse cursor over underlined items to see more detailed help.
                                                                                 Notes:
advanced encrypted server that keeps their data safe . With                       credit card settlement detail
                                                                                 [Search for a single card]
                                                                                    G Please click a date for a detailed transaction report for that date.

                                                                                    G Displayed amounts are calculated before discounts and may not match actual
FirstView, you can offer your merchants the tools that affect their                    deposited amounts.
                                                                                                                                                   Last
                                                                                                                                                     4
                                                                                  Authorization Settle summary, select Landscape orientation in order to fit all Card Approval Transaction
                                                                                    G When printing this     Batch Term            Invoice                                                                                                  Entry
                                                                                       columns across a single page. No                            Digits Amount
bottom lines .                                                                     Date & Time      Date    Number                 Number
                                                                                                                                                     Of
                                                                                                                                                                 Type Number      Type                                                      Mode

                                                                                                                                                                          Card
                                                                                 Return To Account Page
                                                                                     5/31/2007,
                                                                                 Log out16:48:36
                                                                                                 6/1/2007                 151001         001   0000000000000000            3717         $96.39           VS     031918              Sale    Swiped

                                                                                      5/31/2007,
                                                                                                          6/1/2007        151001         001   0000000000000000            5229         $21.99        MC        R45420              Sale    Swiped
                                                                                         17:31:23
                                                                                  file:///Users/ashleyshannon/Desktop/FirstView%20PDF/Credit%20Card%20Settlement%20Summary.html6/13/07 1:31 PM
                                                                                      5/31/2007,
                                                                                                          6/1/2007        151001         001   0000000000000000            1304        $107.60           VS     00396B              Sale     Keyed
                                                                                         18:33:47

                                                                                      5/31/2007,
                                                                                                          6/1/2007        151001         001   0000000000000000            1907        $173.31           VS     852812              Sale    Swiped
                                                                                         18:52:38

                                                                                      5/31/2007,
                                                                                                          6/1/2007        151001         001   0000000000000000            6528         $64.65        MC        814176              Sale    Swiped
                                                                                         19:30:07

                                                                                       6/1/2007,
                                                                                                          6/2/2007        152001         001   0000000000000000            3911        $300.00           VS     04210B              Sale    Swiped
                                                                                        13:41:41

                                                                                       6/1/2007,
                                                                                                          6/2/2007        152001         001   0000000000000000            5394         $66.32           VS     061230              Sale    Swiped
                                                                                        13:55:37

                                                                                       6/1/2007,
                                                                                                          6/2/2007        152001         001   0000000000000000            4540         $40.02        MC        134103              Sale    Swiped
                                                                                        14:41:03

                                                                                       6/1/2007,
                                                                                                          6/2/2007        152001         001   0000000000000000            8529         $69.10        MC        001163              Sale    Swiped
                                                                                        16:00:23

                                                                                       6/1/2007,
                                                                                                          6/2/2007        152001         001   0000000000000000            2545         $81.97        MC        483707              Sale    Swiped
                                                                                        17:47:14

                                                                                       6/1/2007,
                                                                                                          6/2/2007        152001         001   0000000000000000            6119        $104.64           VS     001913              Sale    Swiped
                                                                                        18:32:16

                                                                                       6/1/2007,
                                                                                                          6/2/2007        152001         001   0000000000000000            0739         $16.41        MC        075799              Sale    Swiped
                                                                                        19:02:53



                                                                                 otHer reports AVAiLABLe
                                                                                   file:///Users/ashleyshannon/Desktop/FirstView%20PDF/Credit%20Card%20Settlement%20Detail%202.html (1 of 5)6/13/07 1:30 PM




                                                                                 credit card statement                                                                          debit card transaction detail
                                                                                 credit card Authorization detail                                                               debit card statement
                                                                                 debit card transaction summary




                            F i r s t A m e r i c A n p Ay m e n t s y s t e m s — d e d i c At e d t o y o u r s u c c e s s
C o n Ta C T i n f o r M aT i o n
                                                                                                                    15




                                              corporAte oFFice
                                  100 throckmorton street, suite 1800
                                              Fort Worth, tX 76102
                                                    866-464-3277
                                             sales@first-american .net



                                                       Kevin Jones
                                     Vice President, Sales & Marketing
                                                      817-317-9167
                                        kevin .jones@first-american .net



                                                    rhoda steward
                                                   Director of Sales
                                                     817-317-2687
                                     rhoda .steward@first-american .net



                                                     John newton
                                           Manager of Partner Sales
                                                     817-317-2964
                                       john .newton@first-american .net




                F i r s t A m e r i c A n p Ay m e n t s y s t e m s — d e d i c At e d t o y o u r s u c c e s s
www.Go4FAPS.com

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Faps Iso Quals To Serve

  • 1. First American Payment Systems OUR QUALIFICATIONS TO SERVE
  • 2. Ta b l e o f C o n T e n T s confidence . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 overview . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 A different Kind of processor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 experience . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 senior management team First American's resource Assignment Approach security and stability . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8 merchant Boarding . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9 merchant settlement and payment . . . . . . . . . . . . . . . . . . . . . . . 10 support . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11 online resources . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13 contact information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15 F i r s t A m e r i c A n p Ay m e n t s y s t e m s — d e d i c At e d t o y o u r s u c c e s s
  • 3. ConfidenCe 1 First American payment systems dedicated to cultivating your success stA BiL i t y issues . the knowledgeable, highly-trained staff operates in a call count on us . center just blocks away from company headquarters and offers For two decades, isos and merchants across the country have the highest level of service in the industry . put their confidence in First American payment systems . With a highly-accomplished senior management team and a philosophy support built around relationships, reliability and honesty, you can depend Always by your side . on us to help you expand your business and deliver enterprise Whether you are a new or established iso, First American solutions . has the resources in place to assist you every step of the way . you will receive assistance with marketing development, G r oW t H portfolio analysis, training, information disbursement, proposal cultivating success . preparations and much more . our various support teams assist We are well-positioned to help our isos with business sales partners with boarding and maintaining merchant accounts expansion . First American has helped many of its isos grow and help merchants download, install, train on, reprogram and their businesses with capital allocation . Additionally, the client troubleshoot equipment . relations department plays a pivotal role in Agent/iso growth . our dedicated consultants provide training, assistance and so Lutions strategic advice designed to increase your profitability and comprehensive products . expand your business, based on your goals . A consultant will your merchants will be pleased with the variety of products you be assigned to your account to assist in the management of your have to offer through First American . We are one of the only merchant accounts, supporting and driving you to maximize processors to own and operate all of our core products and sales and revenue . services . We offer credit, debit, check, e-commerce processing and much more . We have also formed strategic partnerships se rV i c e with additional companies for merchant cash advance, wireless meeting merchant needs . solutions and a wide range of equipment . We are not satisfied until your merchants are . that is why we have a round-the-clock customer service team available 365 days a year to help your merchants (and you) with service and technical F i r s t A m e r i c A n p Ay m e n t s y s t e m s — d e d i c At e d t o y o u r s u c c e s s
  • 4. overview 2 W Ho We A r e A n d W H At W e do its own, in-house products and gradually adding more services to First American payment systems, a premier payment processing its product line . early products included secur-chex®, our check company, provides thousands of merchants with the ability to guarantee program, and merimac capital® equipment leasing . accept credit cards, with in-house payment products and 20 years’ pin-based debit card processing was added in 1998, and our experience . First American gives independent sales organizations e-commerce payment gateway, online reporting, and enhanced (isos) and Agents the right tools to deliver enterprise credit card electronic secur-chex program was added early in the new processing solutions and grow their businesses . millennium . First American continues to grow and add new products such as gift cards, AcH, and eBt processing to benefit scope its partners and eliminate the need for third party providers . First First American payment systems currently services in excess of American has broadened its offering with numerous acquisitions 120,000 merchants nationwide and processed $9 billion in Visa over the years, our most recent being canadian-based iAts, and mastercard and 135 million transactions in 2009 . allowing us to expand into new markets and generate new business . currently, more than 1,400 W-2 employees work for First American . We are: Background • Positioned to help our partners with business expansion. • Dedicated to delivering competitive commissions, bonuses First American began business as a small credit card acquirer in and residuals palm springs, california in 1990 . it later relocated to Fort Worth, • Committed to providing the best products and customer texas in 1993 . since then, First American has grown by developing service in the industry Back row (L to r): Jinni touchstone, John newton, Jason putnam and Kevin Jones . Front row (L to r): Vanessa Grinnell, rhoda steward, Joyce de Guzman and rita smith . F i r s t A m e r i c A n p Ay m e n t s y s t e m s — d e d i c At e d t o y o u r s u c c e s s
  • 5. a differenT kind of ProCessor 3 o u r A p p r oA cH i s u n i q u e First American continuously analyzes industry customized trends, and requests feedback from its isos, First American builds its programs around your professional needs . revenue share and bonuses can be adjusted based on experience sales agents, merchants, bank partners, and preference . We also tailor our marketing and client relations approaches depending upon your business goals . processors, and other partner relationships dynamic to determine direct trends in the marketplace . First American continuously analyzes industry trends and requests Based on the feedback we receive, our team feedback from partners and merchants to determine direct trends in the marketplace . Based on the feedback we receive, our team determines the best solutions to exceed our determines the best solutions to exceed our clients’ needs . clients’ needs . comprehensive First American utilizes its own proprietary front-end and back-end systems to process the majority of transactions, and we have additional access to third-party front-end systems with chase paymentech, Global, Fifth third, Buypass, and tsys . utilizing our own proprietary front-end and back-end processing platforms allows First American to offer lower pricing and personal service to our merchants . our extensive and cost-effective product line is developed and implemented in-house, which consolidates your client’s business needs: • Credit, debit, EBT and ACH processing • Check processing and verification • Customized gift cards and processing • Proprietary terminals for sale or lease • In-house virtual terminal and e-commerce solutions • ATM sales, leasing and placements • Online reporting F i r s t A m e r i c A n p Ay m e n t s y s t e m s — d e d i c At e d t o y o u r s u c c e s s
  • 6. exPerienCe 4 our senior mAnAGement t e Am First American’s senior management team has a combined industry experience of over 71 years . neiL L . rAndeL chairman & ceo deBrA A . BrAdFord HoWArd W . Herndon ricK riZenBerGs president & cFo eVp & General counsel eVp sales & marketing miKe LAWrence BriAn dorcHester KeVin Jones eVp & cio sVp of operations Vp of sales & marketing rHodA steWArd director of sales F i r s t A m e r i c A n p Ay m e n t s y s t e m s — d e d i c At e d t o y o u r s u c c e s s
  • 7. exPerienCe 5 neiL L . rAndeL HoWArd W . Herndon Chairman & Chief Executive Officer Executive Vice President & General Counsel p: 817-317-9130 F: 972-428-5252 p: 817-317-9153 neil .randel@first-american .net F: 972-428-5252 howard .herndon@first-american .net neil L . randel has been in the industry for more than 25 years, Howard W . Herndon has 22 years’ experience in general beginning his career as a merchant level sales representative . corporate securities and m&A matters involving the payments in 1987, neil founded national merchant services, a texas- industry . He has represented many leading payments companies based iso . in 1990, he founded Firstnet corporation, which including pmt services, ipayment, Link2Gov (now metavante), provided credit card processing utilizing a nationwide sales force . and network 1 Financial (now sage payment solutions) . neil purchased 50% of First American in 1993 and became Howard joined First American in 2004 as the legal counsel . president and chief executive officer in 1998 . in his current position as chairman and chief executive officer of the Board, he is responsible for overseeing all sales, operations, marketing, miKe LAWrence investments and overall company direction . Executive Vice President & Chief Information Officer p: 817-317-7244 F: 972-428-5252 deBrA A . BrAdFord mike .lawrence@first-american .net President & Chief Financial Officer p: 817-317-9140 mike Lawrence joined First American in 2006 and is responsible F: 972-428-5252 for the strategic direction and vision of information technology debra .bradford@first-american .net initiatives across First American's multiple business channels . With more than 20 years of experience in engineering and development, mike has worked in a number of different business debra A . Bradford has also been in the industry for more than segments, most recently working at Ace cash express where he 25 years . debra came to First American in 2001 as senior Vice served as Vice president of retail store systems . president and chief Financial officer . previously, she maintained a 15-year career with ips card solutions, a division of First data corporation . debra's responsibilities entail overseeing all financial data for First American and guiding each company’s direction in sales initiatives . F i r s t A m e r i c A n p Ay m e n t s y s t e m s — d e d i c At e d t o y o u r s u c c e s s
  • 8. exPerienCe 6 ricK riZenBerGs KeVin Jones Executive Vice President Sales & Vice President of Sales & Marketing Marketing p: 817-317-9167 p: 817-317-9149 F: 972-428-5252 F: 972-428-5252 kevin .jones@first-american .net rick .rizenbergs@first-american .net rick rizenbergs began his career with First American in 2007 . Kevin Jones joined First American in 2007 and has more than He is focused on setting and directing a strategic path for First 15 years of industry and banking experience . prior to working American's diverse sales channels, and responsible for managing at First American, Kevin built the Financial institutions program all of the subsidiary sales channels of First American . rick has at chase paymentech, where he worked for seven years . Kevin over 20 years' experience in sales management . most recently is responsible for developing and ultimately achieving all sales he served as Vice president of sales for north America at siemens initiatives within the strategic partner channel including iso medical solutions, where he was responsible for managing offices, financial institution offices, association offices, non- multiple distribution and sales channels . traditional referral partners and internal sales . He is additionally responsible for overseeing the client relations team and all marketing efforts . prior to the payments industry, Kevin held many different leadership positions with central carolina Bank, most recently as a regional manager . BriAn dorcHester Senior Vice President of Operations p: 817-317-9124 F: 972-428-5252 brian .dorchester@first-american .net Brian dorchester currently serves as the senior Vice president of operations and oversees the risk management, operations, compliance, quality Assurance, deployment, system implementation, and customer service departments . Brian joined First American payment systems in 2001 after working at First data corporation for 13 years, and comdata Financial services as the director of operations . Brian possesses over 20 years of industry experience, with expertise in management and operations . F i r s t A m e r i c A n p Ay m e n t s y s t e m s — d e d i c At e d t o y o u r s u c c e s s
  • 9. exPerienCe 7 rHodA steWArd First AmericAn's Director of Sales resource ApproAcH p: 817-317-2687 F: 817-317-9108 our seasoned team of sales professionals and consultants rhoda .steward@first-american .net will be highly instrumental in working with your business . As needed, we can draw upon an extensive team of technical and industry specialists to provide additional value and As director of sales, rhoda steward joined First American insight . in 2007 to oversee strategic partnerships . rhoda works with isos, banks and associations to establish, maintain and develop First American's goal is to match our team’s industry experience lasting merchant services relationships . rhoda came to First and qualifications with your needs, expectations and objectives American with five years of industry experience from chase — and to keep dedicating them to your success . throughout our paymentech, where she developed and lead a national sales business partnership, we will periodically add new staff to and relationship management team responsible for capitalizing our organization . in an effort to maintain relationships and on referrals from strategic partners . At First American, rhoda’s knowledge levels, we strive to provide you with a dedicated role is to grow our strategic partnership channel and utilize and consistent team of First American associates . First American’s products and services to meet the needs of our partners . JoHn neWton Manager of Partner Sales p: 817-317-2964 F: 817-317-9108 john .newton@first-american .net With more than eight years of industry experience, John newton is dedicated to establishing, maintaining, and developing core relationships that offer flexible and valuable solutions to agents and isos . John comes to First American from chase paymentech where he was also instrumental in developing referral partnerships . John also works to enhance our current product offerings and services, executing his vision to develop and strategize long- and short-term goals . F i r s t A m e r i c A n p Ay m e n t s y s t e m s — d e d i c At e d t o y o u r s u c c e s s
  • 10. s e C u r i T y & s Ta b i l i T y 8 Ke e p i nG e V e r y t H i nG sA Fe And se c u r e pci compliance infrastructure First American payment systems is dedicated to maintaining strict First American has invested in state-of-the-art technologies compliance with payment card industry data security standards to provide the highest levels of confidentiality, integrity and from a corporate and merchant perspective . First American availability of data and computing resources . First American employs state-of-the-art technology to meet or exceed industry- employs a high-level team of engineers to monitor and maintain based security requirements in addition to providing merchants all systems and, in the event of an emergency or disaster, with a comprehensive framework to monitor and assist with has the ability to recover critical systems to maintain business compliance, audit and remediation initiatives . functionality and system availability . critical systems will recover in a priority sequence, with the first systems becoming operational in 2009, First American partnered with industry leader trustwave almost immediately after a processing interruption . Back-up and to implement a simple, user-friendly compliance program for redundant systems are housed in a local data center . merchants called pci smart . the program’s web portal simplifies complex industry security and technology requirements and is designed to help merchants achieve and maintain compliance with security standards . merchants who are pci compliant reduce their chances of security breaches and associated fines imposed by the card associations . F i r s t A m e r i c A n p Ay m e n t s y s t e m s — d e d i c At e d t o y o u r s u c c e s s
  • 11. MerCHanT boardinG 9 A p p Li c At i o n A p p r o VA L quick, simple setup . the entire account setup process is completed within 24 to 48 hours after the application is received . if the application is received by noon (cst), the application qualifies for same-day setup . Applications received after noon (cst) will roll over to the following day for completion . F i r s t A m e r i c A n p Ay m e n t s y s t e m s — d e d i c At e d t o y o u r s u c c e s s
  • 12. M e r C H a n T s e T T l e M e n T & P ay M e n T 10 se t t L e m e n t paying the merchant . First American’s settlement platform cycles daily, creating a daily AcH payment to merchants for Visa/mastercard and discover transactions (except discover retained merchants) . the AcH file is transmitted daily to KeyBank, who then sends it to the Federal reserve at the close of each day excluding saturday . Funds AVAiLABiLity cHArt mondAy tuesdAy WednesdAy tHursdAy FridAy sAturdAy sundAy mondAy tuesdAy mo1 mo2 mo5 mo3 mo4 tu1 tu2 tu5 tu3 tu4 We1 We2 We5 We3 We4 tH1 tH2 tH5 tH3 tH4 Fr1 Fr2 Fr3 Fr5 Fr4 sA1 sA2 sA3 sA4 sA5 su5 su1 su2 su3 su4 1 = BAtcH cLosed 2 = process 3 = AcH 4 = FrB post 5 = mercHAnt post • merchant closes batch monday . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .AcH File to Fed by 2 Am Wednesday • merchant closes batch tuesday . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .AcH File to Fed by 2 Am thursday • merchant closes batch Wednesday . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .AcH File to Fed by 2 Am Friday • merchant closes batch thursday . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .AcH File to Fed by 2 Am saturday • merchant closes batch Friday . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .AcH File to Fed by 2 Am monday • merchant closes batch saturday . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .AcH File to Fed by 2 Am monday • merchant closes batch sunday . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .AcH File to Fed by 2 Am tuesday F i r s t A m e r i c A n p Ay m e n t s y s t e m s — d e d i c At e d t o y o u r s u c c e s s
  • 13. suPPorT 11 customer serVice HA nds -on H eL p merchant support . partner support . First American houses and employs its own customer service First American provides ongoing personal service and assistance center . customers may contact customer service via email or on that your organization deserves when entering a partnership . our toll-free number, 24 hours a day, 365 days a year . First and foremost, partners can expect full service from their the average wait time is 45 seconds to reach a customer service client relations consultant . in addition to helping Agents representative . our abandonment rate is 5 percent and the and isos grow their businesses, our associates assist with average call time is 6 minutes, 21 seconds . marketing development, portfolio analysis, training, information disbursement, and proposal preparations . the consultants more than 20 percent of our staff is bilingual, speaking both provide the kind of tactical training and assistance you need to english and spanish . All representatives have access to a help manage your merchant accounts and maximize your sales translator for virtually any translation, free of charge . and revenue . please refer to page 1 for more information on how crcs work to grow your business . An automated phone greeting allows the caller to select what type of assistance they need, then routes the call to the first available First American also houses its own marketing department to fill customer service or technical support representative . in some any marketing requests for the company and its partners . our situations, we may assign one of our supervisors as a central point marketing team develops, designs and implements all of our of contact for escalated issues . marketing materials including direct mail, brochures, letters, press releases, advertising, newsletters, mass emails, posters, etc . our team can customize any existing marketing materials or create customized pieces for your office . F i r s t A m e r i c A n p Ay m e n t s y s t e m s — d e d i c At e d t o y o u r s u c c e s s
  • 14. suPPorT 12 partner support . (continued) our partners can also depend on various departments to lend a hand with their merchants throughout the duration of the accounts . Here are a few examples: the Application care team contacts the partner or merchant directly when their applications are pended to help them through the approval process . Agent support and maintenance support assist our sales partners with any questions related to boarding and maintaining their merchant accounts . the system implementation team can be utilized for a fee to contact merchants on behalf of our partners to download, install, and train on pos equipment . the download Assistance center is responsible for assisting partners with the installation, reprogramming, or troubleshooting of credit card equipment & peripheral devices . F i r s t A m e r i c A n p Ay m e n t s y s t e m s — d e d i c At e d t o y o u r s u c c e s s
  • 15. online resourCes 13 iso & AGent reports: dAiLy dAsHBoArd you can get up-to-the-minute reporting, information and sales tools • Merchant app summary report. This shows a running count of online by logging onto the daily dashboard . merchant applications by status and date . • Residual report. See and download your residual reports. The Here are a few of the functionalities available: residual reports are structured to display the following: • See all activities pertaining to boarding a new merchant sALes oFFice account . • Track merchant calls pertaining to contract information or to office Group account closure . sales rep number • Design a query on merchants who have not sent transactions merchant for a defined period of time . • Download residual reports. • Receive alerts on merchant retention status notes via SMS/text Pricing Model messaging . Forecast your income with the pricing model simply by filling out an automated form . once you finish filling out the form, you will see a Status Reports profitability index . you may adjust rates and fees to alter the index . these reports offer a look at merchant activity, from application When the desired profit is displayed, you can generate a report status to account activity . and print a bid sheet to take to your merchant . • New application status. See submission dates, statuses, updates, alerts and more . dAiLy dAsHBoArd sAmpLe reports • Equipment status. Notes on leased equipment show up on this new Application status report report 30-90 days from submittal . • Maintenance status. Merchants with any changes to their accounts, including address changes, card and equipment adds and more will be visible on this report . • Retention status. Get alerts that a merchant may be closing his or her account and act quickly to save the account . otHer reports AVAiLABLe merchant App summary report retention status report equipment status report merchant inactivity report Portfolio Data maintenance status report residual report Get a glimpse of boarding deals and inactivity as well as your residuals . • Merchant inactivity report. Create a query on merchants who have not sent transactions for a certain period of time . F i r s t A m e r i c A n p Ay m e n t s y s t e m s — d e d i c At e d t o y o u r s u c c e s s
  • 16. online resourCes 14 Credit Card Submitted for Settlement Summary mercHAnt reports FirstVieWforsAmpLe reports - DEES Credit Card Submitted Settlement Summary - 6280490000494591 Summary: 6/1/2007 - MEAT PROCESSING 6/13/2007 First American offers the convenience of FirstView online reporting credit card settlement summary Visa/MasterCard Other to the merchant for a small fee paid monthly per account . it Settle Sales Sales Returns Returns Swipe Swipe Keyed Keyed AmEx Disc Diners JCB Date Volume Count Volume Count Volume Count Volume Count Volume Volume Volume Volume is optional to raise this charge to generate additional income . Credit Card Statement For June of 2007 6/1/2007 FirstView is a safe, fast and convenient way for your merchants to $463.94 5 $0.00 0 $356.34 4 $107.60 1 $0.00 $0.00 $0.00 $0.00 6/2/2007 $940.29 9 $0.00 0 $940.29 9 $0.00 0 $0.00 $0.00 $0.00 $0.00 access their data 24 hours a day, 7 days a week from home, work, 6/3/2007 $208.47 6 $0.00 0 $208.47 6 $0.00 0 $0.00 $0.00 $0.00 $0.00 6/5/2007 $284.30 8 $0.00 0 $284.30 8 $0.00 0 $0.00 $0.00 $0.00 $0.00 or anywhere online . robust reporting features combined with 6/6/2007 $71.63 3 $0.00 0 $71.63 3 $0.00 0 $0.00 $0.00 $0.00 $0.00 6/7/2007 easy navigation offer a detailed accounting of all their merchant $78.22 3 $0.00 0 $78.22 3 $0.00 0 $0.00 $0.00 $0.00 $0.00 6/8/2007 $727.94 8 $0.00 0 $727.94 8 $0.00 0 $0.00 $0.00 $0.00 $0.00 activity, down to individual transactions . 6/9/2007 $777.13 6 $0.00 0 $777.13 6 $0.00 0 $0.00 $0.00 $0.00 $0.00 6/10/2007 $300.45 7 $0.00 0 $300.45 7 $0.00 0 $0.00 $0.00 $0.00 $0.00 Credit Card Submitted for Settlement Detail 6/12/2007 $1,608.58 9 $0.00 0 $1,608.58 9 $0.00 0 $0.00 $0.00 $0.00 $0.00 6/13/2007 merchants can access reports through First American’s website . $137.67 6 $0.00 Credit Card Submitted 70 Settlement Detail - 6280490000494591- for $0.00 0 $137.67 6 $0.00 0 $0.00 $32.70 $0.00 $0.00 11 Day(s) $5,598.62 0 $5,491.02 69 $107.60 1 $0.00 Date: 6/1/2007 - 6/13/2007 Settle $32.70 $0.00 $0.00 DEES MEAT PROCESSING From there, they can view single or multiple locations on an Download this data in Microsoft Excel compatible format Hold the mouse cursor over underlined items to see more detailed help. Notes: advanced encrypted server that keeps their data safe . With credit card settlement detail [Search for a single card] G Please click a date for a detailed transaction report for that date. G Displayed amounts are calculated before discounts and may not match actual FirstView, you can offer your merchants the tools that affect their deposited amounts. Last 4 Authorization Settle summary, select Landscape orientation in order to fit all Card Approval Transaction G When printing this Batch Term Invoice Entry columns across a single page. No Digits Amount bottom lines . Date & Time Date Number Number Of Type Number Type Mode Card Return To Account Page 5/31/2007, Log out16:48:36 6/1/2007 151001 001 0000000000000000 3717 $96.39 VS 031918 Sale Swiped 5/31/2007, 6/1/2007 151001 001 0000000000000000 5229 $21.99 MC R45420 Sale Swiped 17:31:23 file:///Users/ashleyshannon/Desktop/FirstView%20PDF/Credit%20Card%20Settlement%20Summary.html6/13/07 1:31 PM 5/31/2007, 6/1/2007 151001 001 0000000000000000 1304 $107.60 VS 00396B Sale Keyed 18:33:47 5/31/2007, 6/1/2007 151001 001 0000000000000000 1907 $173.31 VS 852812 Sale Swiped 18:52:38 5/31/2007, 6/1/2007 151001 001 0000000000000000 6528 $64.65 MC 814176 Sale Swiped 19:30:07 6/1/2007, 6/2/2007 152001 001 0000000000000000 3911 $300.00 VS 04210B Sale Swiped 13:41:41 6/1/2007, 6/2/2007 152001 001 0000000000000000 5394 $66.32 VS 061230 Sale Swiped 13:55:37 6/1/2007, 6/2/2007 152001 001 0000000000000000 4540 $40.02 MC 134103 Sale Swiped 14:41:03 6/1/2007, 6/2/2007 152001 001 0000000000000000 8529 $69.10 MC 001163 Sale Swiped 16:00:23 6/1/2007, 6/2/2007 152001 001 0000000000000000 2545 $81.97 MC 483707 Sale Swiped 17:47:14 6/1/2007, 6/2/2007 152001 001 0000000000000000 6119 $104.64 VS 001913 Sale Swiped 18:32:16 6/1/2007, 6/2/2007 152001 001 0000000000000000 0739 $16.41 MC 075799 Sale Swiped 19:02:53 otHer reports AVAiLABLe file:///Users/ashleyshannon/Desktop/FirstView%20PDF/Credit%20Card%20Settlement%20Detail%202.html (1 of 5)6/13/07 1:30 PM credit card statement debit card transaction detail credit card Authorization detail debit card statement debit card transaction summary F i r s t A m e r i c A n p Ay m e n t s y s t e m s — d e d i c At e d t o y o u r s u c c e s s
  • 17. C o n Ta C T i n f o r M aT i o n 15 corporAte oFFice 100 throckmorton street, suite 1800 Fort Worth, tX 76102 866-464-3277 sales@first-american .net Kevin Jones Vice President, Sales & Marketing 817-317-9167 kevin .jones@first-american .net rhoda steward Director of Sales 817-317-2687 rhoda .steward@first-american .net John newton Manager of Partner Sales 817-317-2964 john .newton@first-american .net F i r s t A m e r i c A n p Ay m e n t s y s t e m s — d e d i c At e d t o y o u r s u c c e s s