First National Merchant SolutionsThe payment processor you can rely on for service and stability

Alan CaseBusiness Development Specialist

Agenda

Solutions You Can Count On

• Focused on You

• About First National Merchant Solutions

• About our Parent Company

• Experienced Service

• Payment Acceptance Solutions

• Prepaid Product Options

Focused on You

Your Needs

We know businesses today need more than just payment processing.

They need a total payment acceptance solution that meets the

demands of your business – and your customers.

Our Commitment

To use a consultative approach to identify solutions best suited for you

and your business.

Dependable Payment Acceptance Solutions

First National Merchant Solutions is a leading provider of payment

acceptance solutions driven by superior customer service.

• Acquirer & processor with over 50 years of experience

• 9th largest merchant credit card processor**

• 200,000+ merchant locations serviced annually

• 600+ million payment transactions processed annually

• Our customers range from Fortune 500 companies to

small businesses

**2008 Nilson Report

A Foundation of Stability

First National Bank of Omaha has been family owned and operated

from its beginning, and has grown in size and stability since.

• Largest privately held bank holding company

• Top-50 U.S. Bank

• Top-10 payment processor

• Over $20 billion in managed assets

• 7,500 employees in 35 states

• 6.6 million customers in 50 states

Dec 10, 1857

Kountze brothers begin trading

primarily in gold dust & buffalo hides

August 26, 1863

Becomes First National Bank – the oldest bank

west of the Missouri river (National Charter #209)

August 15, 1931

Great depression causes over 750 Nebraska banks to close. FNBO honors every withdrawal & proves

their strength & longevity

March 1, 1953

FNBO is fifth bank in the nation to issue a credit card

2007

FNBO celebrates 150 years; becomes the largest

privately held bank in the country

1857 1931 2007 1863 1953

A Foundation of Stability

Experienced Service

While most companies outsource service,

our internal service team provides

assistance when you need it.

The experience and tenure of our

employees, who know payment processing

from the inside out, allow us to provide the

high level of service that customers have

come to expect.

Payment Acceptance Solutions

Payment Processing

• All card types• Electronic checks• Gift & loyalty cards• Recurring payments• E-commerce

Traditional Products

Value-Added Services

• Equipment: Multiple POS hardware options

• Check Services: Check guarantee & verification

• Online Reporting: Free access to account information 24/7

Payment Acceptance Solutions

Financial/Banking Products• Full service consumer &

commercial bank• Remote deposit capture

Risk Management• Fraud and loss prevention tools• Automated chargeback handling

Prepaid Cards• Payroll• Customer & employee

gift & loyalty

Non-Traditional Products

• Sales Incentives & Recognition Payments

• Marketing & Consumer Incentives

• General Purpose

• Payroll Cards

• Spot Bonuses

• Holiday Gifts

• Per Diem Payments

• Agent Bank Solutions

www.smartOneSolutions.com

Payment Innovation…Prepaid Card Solutions

Prepaid Card Solutions

• Purchasing Power – Use anywhere Visa® or MasterCard® Debit

is accepted, including online or over the phone

• Flexible – Use cards as incentives, rebates, rewards, gifts

or payroll

• Customizable – Personalize cards with your brand or

targeted message

• Secure – Replaceable if lost or stolen

Stability You Can Count On

For over 50 years we’ve taken the worry out of payment processing and replaced it with the comfort that comes with strength and stability. We invite you to let us do the same for you.

We are the payment processor you can rely on for service and stability.

What our customers are saying…

"Over the years First National Merchant Solutions has provided us with exceptional service. Our assigned account team is always available to answer all of our questions from new merchant set ups to any daily operational issues. Our questions are answered quickly in one phone call. Overall we are very pleased with the personal service First National Merchant Solutions has provided us."

- Diane Record, Sr. Electronic Banking Administrator, Omaha State Bank

"First National Merchant Solutions recently helped us to identify and address the issue of online fraud, which saved our business money. Their proactive efforts to communicate with us and educate us are invaluable tools - and a service that other processors do not provide."

- Ron Eike, Director of Operations, Omaha Steaks

Thank You

Alan Case, Business Development Specialist

acase@fnms.com / 720-281-7155 / 720-545-2229 fax