BEST-IN-CLASS MERCHANT SERVICESFirst Data takes you beyond with merchant processing solutions that grow revenue

and strengthen your customer relationships.

HOW WILL YOU GO BEYOND?In an era when the banking industry is changing and profit margins

are decreasing, financial institutions are continually seeking out new

ways to attract deposits and grow revenue. To stay competitive, it’s

crucial for you to implement a banking strategy that delivers the

most value to your business—and realizes the potential of every

account.

At First Data, we’re uniquely positioned to help your financial

institution succeed. With more than 40 years of global expertise,

hundreds of products across 28 categories and 25,000 payment

experts, we offer banks the breadth and depth of solutions and

services others simply can’t. Let alone, from one single, integrated

source.

Through a partnership with First Data, you can offer your business

customers a complete suite of payment solutions – with minimal

expense and risk. First Data’s partner programs allow you to focus

on core banking products and services, while offering new and

profitable merchant solutions to your customers.

400%“The sales volume flowing through our

portfolio is now a 400% lift.”

Assistant Vice President,Associated Bank

& Innovation

Pay

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cceptance Prepaid

Advanced Solutions

Inform

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Ana

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FIRST DATA’S BROAD PORTFOLIOFirst Data offers the latest in intelligent, reliable merchant processing solutions

that are fast, secure and effective. Plus, we provide you with a sales force to help

leverage your brand and market presence to attract and retain new customers.

First Data helps you meet the needs of your customers to maximize the value of

your relationships plus, grow your bottom line.

That was critical too…a dedicated sales force. We talked

to other vendors that had a sales force, but they weren’t

necessarily dedicated to Hancock Bank.”

Senior Vice President,Hancock Bank

“

POS Card Acceptance

Terminals

eCommerce

Electronic Check

Acceptance

Security & Compliance

Prepaid

Mobile

Personalized Marketing

Reporting & Analytics

The ways consumers buy goods and services are

evolving every day. They expect the convenience

and access of making payments when they want

– and from wherever they want. Many businesses

are struggling to keep pace with evolving consumer

payment preferences and are looking for a one-stop

solution for all of their payment processing needs.

At First Data, our global experience across the full

payments value chain gives us unique insights into

the marketplace, allowing us to develop the most

innovative and comprehensive solutions merchants

need to leverage more value from every transaction.

We are committed to helping financial institutions

meet the continued demands for new customers,

new deposits and new sources of revenue. Through

our partner programs, we offer a comprehensive

suite of electronic payment processing solutions that

can help you broaden your banking strategy and

capture the merchant services’ market.

GO BEYOND: MERCHANT SERVICES FOR TODAY’S MERCHANT

Proven Benefits for FINANCIAL INSTITUTIONSFull Spectrum of Payment Solutions

Branded Sales Force

Streamline Operations With Minimal Expense

Customized Marketing Program

A comprehensive portfolio of solutions including

equipment deployment and programming,

customer service, terminal help desk, merchant

training and activation, online transactions,

reporting and more.

Imagine having a dedicated branded sales force that

can drive the growth of your program. Our highly

trained sales professionals will actively pursue branch

referrals as well as new customers in your market –

providing you the face-to-face touch that sets you

apart from your competition.

First Data assumes all expenses and responsibility

for back office support and merchant liability

(including underwriting, fraud and chargebacks).

Round-the-clock point-of-sale (POS) and

terminal Help Desk, as well as statement support,

chargeback support and fraud protections are all

included.

Program marketing materials are uniquely designed

to enhance your brand and grow your merchant ser-

vices program. Plus, utilize our Marketing Program

Catalog and Best Practice Guide that showcases

marketing programs used for partner optimization.

First Data has the processing solutions your clients need to enable payments anytime, anyway and anywhere consumers want.

SOLUTIONS TAILORED TO YOUR BUSINESS CUSTOMERS

FIRST DATA ADVANTAGE

With First Data’s wide breadth of fast, secure and

competitively-priced solutions, accept virtually every

payment option—including MasterCard®, Diners Club

International®, Visa®, American Express®, Discover®

Network, PIN-based and signature debit cards, gift

cards and checks.

For online, phone or mail-order payments, First Data

offers state-of-the-art solutions that are convenient

for consumers, as well as secure and reliable for your

business clients.

TeleCheck offers the increased security, speed and

ease businesses need wherever they accept paper or

electronic checks—in person, by phone, mail, or online.

Merchants can process virtually any payment type with

our comprehensive suite of affordable terminals and

peripherals. Choose from all-in-one counter top models

to wireless solutions; enjoy performance, security and

reliability.

Our latest card security solution, TransArmor®, better

protects your customers’ cardholder data during and

after the transactions.

Gift cards and incentive programs are the fastest

growing segments in retail. First Data offers the

innovative solutions businesses need to help attract

new customers, drive incremental revenue, build

brand awareness and lower costs.

Your business clients can offer their employees and

customers the convenience, savings and security of

a prepaid debit card program.

With tools like Business Track and MerchantInsider.com

you clients will enjoy fast, unlimited access to our online

merchant community, as well as a robust web-based tool

to help you better manage your financial well-being.

BENEFITS

Business owners will enjoy the dependability of 99.9%

uptime and benefit from fast funding for major credit

cards. Rely on 24/7/365 service and support and keep

compliant with payment network regulations.

Easily enable acceptance for credit, debit, e-check

and other payment alternatives for online, phone or

mail-order transactions and protect card-not-present

payments from security risk and fraud. Plus, turn any

PC with Internet access into a point-of-sale terminal.

Convert a paper check into an electronic transaction

right at the point-of-sale with TeleCheck Electronic

Check Acceptance®. Provide a secure way for

customers to pay by check over the phone and easily

accept ACH payments over the Internet. Also, enjoy

less hassle and faster access by remotely depositing

checks into your bank account.

Your clients will enjoy ultra-fast processors and built-in

printers that connect via IP and dial up, including

optional Wi-Fi through First Data’s full line of POS

terminals. With many options to lease, rent or purchase

First Data terminals, we have the right terminal at the

right price.

Benefit from world-class security built into the

infrastructure and feel secure with the double security

of encryption and tokenization. Protect your bottom

line by minimizing the risk of stolen cardholder data

while simplifying the annual PCI DSS audit process.

Your clients can easily establish and manage a store-

brand gift card program with our turnkey solutions.

Ensure that card account balances are accurate with

real-time transaction processing.

Gain cost savings and control from paperless payroll

through our Money Network® Payroll Distribution

Service. Provide unbanked employees payment

through a reloadable debit card and enable employees

to access wages through ATMs and check-cashing

locations, write checks, and receive 24/7 support.

Access helpful tips, review products and purchase

supplies; track real-time financial activity, drill down

on transactions, and create custom reports.

SOLUTION

Acquiring

eCommerce

TeleCheck®

Terminals & Point-of-Sale Solutions

Security & Compliance

Gift Cards & Incentive Programs

Payroll & General Purpose Cards

Information & Analytics

First Data was ranked NUMBER 1 IN THE FINANCIAL DATA SERVICES CATEGORY of the Fortune 500 list for five years running (2007-2011)

Merchant Services Positively Affects Other Bank LinesYour bank customers that use Merchant

Services are unique in the fact they carry

higher balances – by offering Merchant

Services along with your other business

banking solutions, you can entice this

desirable market.

As your alliance partner, First Data

provides sales, product and marketing

expertise, world-class customer service,

insight into consumer behavior and

payment expertise. With scores of

financial institution relationships, First

Data is helping financial institutions of

all types and sizes grow their merchant

business.

Grab Market Share with Merchant Acquiring ServicesBy offering Merchant Services, you not only

offer your existing customers expanded

services, you can also capitalize on the

1.1 million merchants who are looking for

Merchant Services each year.

At First Data, we help to build stronger,

more profitable customer relationships.

We provide a professional, branded

sales force to manage the growth

of your program. Our team will help

implement and manage your merchant

services program ensuring your clients’

expectations are always exceeded.

Build Strong, Lasting RelationshipsAs competition and legislative changes

continue to erode margins on traditional

banking products, few institutions have

fully tapped the potential that resides

in their market for merchant acquiring

services. And with the potential of

keeping your customers for a longer

period of time than average, that means

a stronger, lasting relationship for you.

First Data can help in offering the latest

in merchant processing solutions to your

business customers to attract and retain

customers while increasing profitability.

*First Annapolis Consulting Analysis

MERCHANT SOLUTIONSTHAT DELIVERMerchant Processing solutions provide measurable gains in business acquisition

and customer retention, all of which means a better bottom-line for you.

7M154%Small business customers with Merchant

Services maintain their current banking

relationship 15% longer*.

15%

*First Annapolis Consulting Analysis *First Annapolis Consulting Analysis

Small business customers that use

Merchant Services have a 154% higher

average deposit balance*.

Over 7 million small businesses accept

card payments, with an average of

1.1 million merchants making a buying

decision every year*.

HOW DO YOU HELP YOUR CLIENTS GO BEYOND TO…• Accept virtually every type of payment?

• Receive fast funding for all card types?

• Provide American Express® one settlement/one statement?

• Easily access their payment activity reporting online 24/7/365?

• Better protect their customers’ data and their own business?

• Drive revenue with gift and incentive card solutions?

FIRST DATA. MERCHANT SOLUTIONS.

FIRST DATA GOING BEYOND+40 years in the business

+28 product categories, hundreds of products

$1.4 trillion settled annually

+6 million merchant locations worldwide

744 million card accounts on file

FOR MORE INFORMATIONContact your First Data sales representative or visit firstdata.com

© 2011 First Data Corporation. All Rights Reserved. All trademarks, service marks and trade names referenced in this material are the property of their respective owners. Cards issued by MetaBank™.

2001-1211

The quality of a business checking account that

is accompanied by a merchant service product is

much, higher than a checking account without the

attachment.”

Director of Small Business Banking,Associated Bank

“