First American Bank takes its service to Chicago merchants seriously As a locally owned community bank with 49 branches First American believes that its strength is in the relationships that it develops over time with individual account owners and with merchants But in order to provide the services that those customers seek ndash particularly the merchants who must compete in a fast-moving payments industry ndash the bank needed a partner that could consistently provide innovative payment options

The bank chose to partner with First Data 12 years ago Since that time First American Bank has been able to consistently offer its merchants leading-edge payment solutions creating a significant and expanding revenue stream for the bank

ldquoWe are relationship-drivenrdquo says Adelbert Spaan Executive Vice President ldquoItrsquos important for us to be able to have the conversations with our customers about the products they need rather than having them go to a competitor to talk about those servicesrdquo

ClientFirst American Bank

ChallengeEnable First American Bank to grow

and compete through its merchant

services program

SolutionsFirst Data Referral Bank Partnership Program

ResultsSix-fold revenue increase since the launch

of the partnership

A First Data Customer Success Story

First American Bank Experiences Six-Fold Revenue Increase through First Data Referral Partner Program

firstdatacom copy 2013 First Data Corporation All rights reserved Page 2

THE CHALLENGEFirst American Bank is a locally owned privately held bank

in Chicago with 49 branches spread out across the metro

area As a community bank the organization prides itself

on strong long-lasting relationships with its customers To

continuously nurture those relationships First American

Bank does everything it can to provide the services that its

customers expect

Twelve years ago First American Bank had a small portfolio

of payment products that it could offer interested merchants

and it was losing market share to competitors The bank

needed a partner to help it expand its payment offerings

and to open doors and conversations with local merchants

This partner needed to provide program advice sales and

marketing assistance help the bank launch innovative new

products on an ongoing basis and also minimize the bankrsquos

fraud risk

THE SOLUTIONFirst American Bank chose to partner with First Data

selecting its Referral Bank Partner Program

First Data dedicated a special team of sales professionals

to First American Bankrsquos merchant accounts and provided

marketing support and program advice The dedicated sales

team offered merchant services under the bankrsquos brand

carried First American Bank business cards and helped

introduce new payment solutions into the bankrsquos portfolio

A First Data Customer Success Story First American Bank

670

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113

To learn more watch the First American Bank success story

ldquoFirst Data is the largest payments processor and their product offering is unique They are very willing to help us gain market shareand to help us introduce new productsrdquo

mdash Adelbert Spaan First American Bank Executive Vice President

ldquoI view First Datarsquos Merchant Services as a door openerrdquo

says Adelbert Spaan Executive Vice President ldquoItrsquos an easy

conversation for our branches to have and it leads to lots of

other businessrdquo

The bank realizes reduced costs through First Data sales

proficiency experience and back-office support but also

through reduced risk First Data assumes the merchant

liability including fraud and chargebacks ndash and also protects

First American Bank and its customers with innovative fraud

protection solutions

THE RESULTSTwelve years later the partnership is still strong First

American Bank reports that its revenues from merchant

payment processing have increased six times since the two

companies began working together

In addition to offering its merchants the fundamental

payment services and products that they expect First

American Bank now finds itself on the leading edge of

technology thanks to its partnership with First Data

ldquoWe were one of the first banks to roll out Pogogtreg which

gives us an opportunity to go after a whole different marketrdquo

says Spaan ldquoThe partnership has been more successful than

we anticipated it to berdquo

firstdatacom copy 2013 First Data Corporation All rights reserved Page 2

THE CHALLENGEFirst American Bank is a locally owned privately held bank

in Chicago with 49 branches spread out across the metro

area As a community bank the organization prides itself

on strong long-lasting relationships with its customers To

continuously nurture those relationships First American

Bank does everything it can to provide the services that its

customers expect

Twelve years ago First American Bank had a small portfolio

of payment products that it could offer interested merchants

and it was losing market share to competitors The bank

needed a partner to help it expand its payment offerings

and to open doors and conversations with local merchants

This partner needed to provide program advice sales and

marketing assistance help the bank launch innovative new

products on an ongoing basis and also minimize the bankrsquos

fraud risk

THE SOLUTIONFirst American Bank chose to partner with First Data

selecting its Referral Bank Partner Program

First Data dedicated a special team of sales professionals

to First American Bankrsquos merchant accounts and provided

marketing support and program advice The dedicated sales

team offered merchant services under the bankrsquos brand

carried First American Bank business cards and helped

introduce new payment solutions into the bankrsquos portfolio

A First Data Customer Success Story First American Bank

670

7 1

113

To learn more watch the First American Bank success story

ldquoFirst Data is the largest payments processor and their product offering is unique They are very willing to help us gain market shareand to help us introduce new productsrdquo

mdash Adelbert Spaan First American Bank Executive Vice President

ldquoI view First Datarsquos Merchant Services as a door openerrdquo

says Adelbert Spaan Executive Vice President ldquoItrsquos an easy

conversation for our branches to have and it leads to lots of

other businessrdquo

The bank realizes reduced costs through First Data sales

proficiency experience and back-office support but also

through reduced risk First Data assumes the merchant

liability including fraud and chargebacks ndash and also protects

First American Bank and its customers with innovative fraud

protection solutions

THE RESULTSTwelve years later the partnership is still strong First

American Bank reports that its revenues from merchant

payment processing have increased six times since the two

companies began working together

In addition to offering its merchants the fundamental

payment services and products that they expect First

American Bank now finds itself on the leading edge of

technology thanks to its partnership with First Data

ldquoWe were one of the first banks to roll out Pogogtreg which

gives us an opportunity to go after a whole different marketrdquo

says Spaan ldquoThe partnership has been more successful than

we anticipated it to berdquo