FAPS Qualifications To Serve Jn

Our qualificati Ons tO serve

the right solution

CONTAC T

FirsT AmeriCAN PAymeNT sysTems
John Newton, manager of isO sales
100 Throckmorton street, suite 1800
Fort Worth, TX 76102
P: 817-317-2964
F: 817-317-9108
john.newton@first-american.net

TAble OF CONT eNTs

Confidence . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1

Overview . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2

A Different Kind of Processor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3

experience . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
senior management Team
First American's resource Assignment Approach

security and stability . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9

set up Process . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10

settlement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11

service . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12

reporting. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13

sales & marketing support . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14

exhibit A: reporting samples . . . . . . . . . . . . . . . . . . . . . . . . . . . 15

exhibit b: marketing samples . . . . . . . . . . . . . . . . . . . . . . . . . . . 21

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 — T h e r i g h T s O l u T i O N F O r y O u r b u s i N e s s

CONFiDeNCe
1

First American Payment systems
The right solution For your business
...Dependability, Commitment, service and Products

DeP e N D A b i l iT y ser V i Ce
First American is renowned for our expertise, commitment, First American is dedicated to providing you with the
reliability, credibility and ethical business practices. reliable service that you deserve.
since 1990, hundreds of strategic Partners and more than Quality service is a top priority for First American, and you can
100,000 merchants throughout the united states have put their rest assured that your merchants will receive the highest level of
confidence in First American Payment systems. As an industry service and support in the industry.
leader with over $10 billion in Visa and masterCard processing
PrOD uC Ts
in 2007, First American is ranked as one of the top merchant
Allow your merchants to choose from a variety of in-house
acquirers in the united states and is one of the only merchant
products to meet the specific needs of their business.
acquirers in the industry to truly own and operate all of our core
products and services. First American is one of the only acquirers in the processing
industry to truly own and operate all of our core products
C O m m i Tm e N T and services including credit/debit/ebT card processing, check
First American provides you the service and support your verification, e-commerce solutions, gift cards, POs equipment
business needs to grow. leasing, online merchant reports, ACh payment, ATm sales and
When you partner with First American, you will gain access to placements, proprietary terminals, and government/enterprise
a highly trained, experienced Client relations Consultant who e-payments.
will start you down the path to a prosperous relationship. your
Consultant will provide you with ongoing training, sales tactics, We know that it’s not always possible, or advisable, to do it
pricing analysis, customized reporting and the tools you need all ourselves so we have also formed strategic partnerships
to help your business succeed. Our strategic Partnerships are for additional products such as merchant cash advance, touch
always developed with you in mind. screen POs, wireless solutions, equipment from hypercom,
Verifone, WAy systems, 4Access, ViVOtech and more.


OVerVieW
2

— most of First
First American Payment Systems
American's merchants are acquired from isOs, telemarketing
and direct sales. mostly small to medium sized merchants.
Who We Are and What We Do
Offers credit card authorization, payment processing, check
First American Payment systems currently services in excess of
guarantee, debit card processing, leasing, ATm processing,
100,000 merchants nationwide, and processes billions of dollars
internet gateway solutions and electronic check conversion.
in volume each year. in 2007, First American processed in excess merchants in all 50 states. 2007 average monthly volume
per merchant: $8,350. merchant count as of Dec 2007:
of $10 billion in Visa and masterCard and 138 million transactions,
80,500. 2007 average monthly transactions: 8,460,000.
and is currently on track to exceed that number in 2008.

— merchants acquired from
Certified Payment Processing
First American began business as a small credit card acquirer telemarketing and direct sales. mostly small to medium
in Palm springs, California in 1990. it later relocated to Fort sized merchants. This is an attritting portfolio. All new
business is added under First American. Offers credit card
Worth, Texas in 1993 employing five associates. since then, First
authorization, payment processing, check guarantee, debit
American has grown by developing its own, in-house products
card processing, leasing, ATm processing, internet gateway
and gradually adding more services to its product line. early
solutions and electronic check conversion. merchants in all
products included secur-Chex®, our check guarantee program, 50 states. 2007 average monthly volume per merchant:
and merimac Capital® equipment leasing. PiN-based debit card $4,300. merchant count as of Dec 2007: 8,300. Average
monthly transactions: 874,000. Approximately $43 million
processing was added in 1998, and our e-commerce payment
of volume per month.
gateway, online reporting, and enhanced electronic secur-Chex
program was added early in the new millennium. First American
— Caters to small to
Eliot Management Group (EMG)
continues to grow and add new products such as gift cards, ACh, medium sized merchants. Their portfolio also includes some
larger, middle market retailers, which often have multiple
and ebT processing to benefit its partners and eliminate the need
locations. emg offers credit card authorization, payment
for third party providers. First American has broadened its offering
processing, check guarantee, debit card processing, leasing,
with numerous acquisitions over the years, allowing us to expand
ATm processing, internet gateway solutions and electronic
into new markets and generate new business. check conversion. emg has 24 offices in 14 states, primarily
in the western part of the country. Average/anticipated
monthly quot;swipingquot;, quot;keyingquot; or internet volume for credit card
The number of employees First American currently has is in excess
transactions: 2007 average monthly volume per merchant:
of 1,300 W-2 employees. The subsidiary companies of First
$16,500. merchant count as of Dec 2007: 17,000. 2007
American include:
average monthly transactions: 2,435,000.
• Certified Payment Processing - 669 employees
GoEmerchant — merchant base includes online companies,
• elliot management group - 297 employees
merchants with internet sales and brick-and-mortar businesses.
• goemerchant - 27 employees
2007 average monthly volume per merchant: $3,700.
• govolution - 26 employees
merchant count as of Dec 2007: 4,200. They offer credit card
processing services including e-commerce functionality and
internet gateway solutions targeting e-commerce merchants
nationwide. goemerchant processed approximately $15
million of volume per month in 2007.


A DiFFereNT
KiND OF
PrOCessOr 3

Our Approach is unique • utilizing our own proprietary front-end and back-end
processing platforms allows First American to offer lower
First American Payment systems is not your typical processor. We
pricing and personal service to our merchants.
process for financial institutions throughout the country, providing
• Our govolution product enables First American to process
a partnership that offers a complete end-to-end solution for
for government entities, tax offices, and any institution that
merchant services. Our extensive product line is developed and
requires the implementation of a convenience fee.
implemented in-house, which consolidates your client’s business
• First American provides access to five front-end networks
needs under your name and service. First American utilizes its
while still retaining the service and support calls to ensure
own proprietary front-end and back-end systems to process the
stable service and continuous transaction flow.
majority of transactions, and we have additional access to third-
• The structure of our revenue share Program bank program
party front-end systems with Chase Paymentech, global, 5/3,
offers higher percentage payouts to our partners with
buypass, and Tsys. Additionally, First American employs its own
lower costs.
24-hour Call Center that provides customer service 7 days a week,
365 days a year.

Consider the following when comparing First American Payment
systems to our competitors:
Our extensive product line is developed and implemented
• First American houses its own in-house Call Center in Fort
in-house
Worth, Texas. Our Call Center is staffed with knowledgeable
• Credit/debit/ebT card processing
First American employees and managed to ensure the
highest quality service. statistics prove that our Call Center • Check processing and verification
currently obtains a 24-second hold time and the majority of • e-commerce solutions
inquiries are solved with one-call resolutions. • gift cards
• First American has a complete suite of in-house electronic • POs equipment leasing
payment products. We provide your commercial clients • Online reporting
with all forms of electronic payments, from beginning to
• ACh payment
end, without involving a third-party.
• ATm sales and placements
• We offer competitive pricing for all POs equipment, as
• Proprietary terminals
well as our own custom units designed specifically for First
• government/utility/enterprise e-payments
American merchants. refurbished terminals are available
• in-house terminal deployment
for as low as $140 (Omni 3730le), and new terminals are
• remote capture deposit (release date beginning Q1)
priced as low as $205 (hypercom T4210). Our custom
• in-house virtual terminal and gateway
units are designed with special feature buttons to order
• PiN-debit processing and cash advance processing
supplies, contact a First American representative, or request (for financial institutions only)
a call from Customer service.


A DiFFereNT
KiND OF
PrOCessOr 4

First American’s sales, marketing and Product Development
personnel have numerous contacts within the industry and
participate in industry-related professional and networking
organizations. Our Operations personnel have high-level contacts
with all major networks and processors, and continuously maintain
regular communications regarding trends in the industry.

First American provides ongoing personal service and assistance
that your organization deserves when entering a partnership. A
Client relations Consultant is assigned to your account to assist
in the management of your portfolio. The goal of our Client
relations Consultants is to proactively support and drive our sales
partners to maximize sales volume and revenue production. Our
associates assist with marketing development, portfolio analysis,
training, information disbursement, and proposal preparations.
Jason Putnam, Director of Client relations, heads the department
and he and his team have nearly 40 years of combined industry
experience.
First American continuously analyzes

industry trends, and requests feedback

from its sales agents, merchants, bank

partners, processors, and other partner

relationships to determine direct trends in

the marketplace. based on the feedback

we receive, our team determines the best

solutions to exceed our clients’ needs.


eXPerieNCe
5

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

hOWArD W. herNDON riCK riZeNbergs
DebrA A. brADFOrD
eVP & general Counsel eVP sales & marketing
President & CFO

KeViN JONes
miKe lAWreNCe briAN DOrChesTer
VP of sales & marketing
eVP & CiO sVP of Operations

rhODA sTeWArD
Director of sales


eXPerieNCe
6

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 22 years, beginning howard W. herndon has 20 years experience in general
his career as a merchant level sales representative. in 1987 Neil corporate, securities and m&A matters involving the payments
founded National merchant services, a Texas based isO. in industry. he has represented many leading payments companies
1990, he founded FirstNet Corporation, which provided credit including PmT services, iPayment, link2gov (now metavante),
card processing utilizing a nationwide sales force. Neil purchased and Network 1 Financial (now sage Payment solutions).
50% of First American in 1993 and became President and Chief howard joined First American in 2004 as the legal counsel.
executive Officer in 1998. his current position as Chairman
and Chief executive Officer of the board and is responsible for
overseeing all sales, operations, marketing, investments, and
overall company direction.

miKe lAWreNCe
DebrA A. brADFOrD
Executive Vice President & Chief
President & Chief Financial Officer
Information Officer
P: 817-317-9140
P: 817-317-7244
F: 972-428-5252
F: 972-428-5252
debra.bradford@first-american.net
mike.lawrence@first-american.net

mike lawrence joined First American in 2006 and is responsible
Debra A. bradford has also been in the industry for 22 years.
for the strategic direction and vision of information Technology
Debra came to First American in 2001 as senior Vice President
initiatives across First American's multiple business channels.
and Chief Financial Officer. Previously, she maintained a
mike was new to the processing industry with two years accrued.
15 year career with iPs Card solutions, a division of First
he has worked in a number of different business segments, most
Data Corporation. Debra's responsibilities entail overseeing all
recently working at ACe Cash express where he served as Vice
financial data for First American, and guiding the companies’
President of retail store systems.
direction in sales initiatives.


eXPerieNCe
7

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 8 years of
he is focused on setting and directing a strategic path for First industry experience. Prior to working at First American, Kevin
American's diverse sales channels, and responsible for managing built the Financial institutions program at Chase Paymentech,
all of the subsidiary sales channels of First American. rick has where he worked for seven years. Kevin is responsible for
over 20 years experience in sales management. most recently he developing and ultimately achieving all sales initiatives within
served as Vice President of sales for North America at siemens the strategic Partner Channel including isO offices, financial
medical solutions, where he was responsible for managing institution offices, association offices, non-traditional referral
multiple distribution and sales channels. 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 positions within
different banks in North Carolina, most recently as a regional
manager for Central Carolina bank.

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.


eXPerieNCe
8

FirsT AmeriCAN's
JOhN NeWTON
resOurCe APPrOACh
Manager of ISO Sales

P: 817-317-2964
in addition to our senior management team, John Newton will
F: 817-317-9108
john.newton@first-american.net be 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 insight.
John Newton has over seven years of industry experience, all of
which have been working towards establishing, maintaining, and First American's goal is to match our team’s industry experience
developing core relationships. John comes to First American from and qualifications with your needs, expectations and objectives
Chase Paymentech where he was instrumental in developing — and to keep them dedicated to your success. Throughout our
referral partnerships. his role with First American is to establish
business partnership, we will periodically add new staff to
isO and Agent partnerships across the united states, along
our organization. in an effort to maintain relationships and
with continuing to enhance our current product offerings and
knowledge levels, we are committed to providing a continuity
services.
of personnel from year to year so that your associates will be
interacting with the same First American associates.


seCuriT y &
sTAbiliT y
9

Keeping everything safe and secure • in the event that normal processing of critical systems could
not be performed within the recovery window identified for
• First American's primary back-up and redundant systems are
each system, the Disaster recovery Plan will activate and
housed in a data center located in Fort Worth, Texas. Critical
the recovery of critical systems will initiate at First American’s
infrastructure components including power, air conditioning,
co-location data processing facility in Virginia.
internet and specific partner data communication circuits are
provisioned with redundancy.
• Critical systems will recover in a priority sequence, with the
first systems becoming operational within 24 hours following
• All production systems are backed up to disk and tape media
the beginning of a processing interruption.
regularly to protect data in the event of a system outage.
Tape media is stored in a secure off-site facility.

• many critical systems are hosted on hardware platforms
using clustering technology to provide resiliency in the event
of hardware failures.
For many years, First American has had

• First American’s business continuity and Disaster recovery
representation on the PCI Security
Program is currently in progress of completion. A test of the
restoration of critical systems is planned for Q4 2008.
Standards Council and we are currently

in the process of renewing our membership.


seT uP
PrOCess
10

The entire Account set-up process is completed within 24 to 4. if the application is pended by NAP or by Credit, it is
48 hours after the application is received. if the application is forwarded to the Application Care Team (ACT). Once ACT
received by 12:00 noon (CsT), the application qualifies for same- approves the account, the application is forwarded to the
day setup. Applications received after 12:00 noon (CsT) will roll File build Team.
over to the following day for completion. 5. A file is then built specifically for this application, then
forwarded to Quality Assurance (QA). if the File build
Our process is as follows: Team finds any discrepancies, the application is sent back to
1. After the application is faxed to the New Application ACT.
Processing Team (NAP), it is keyed into the merchant system 6. The night shift QA team reviews the file build front-end
(this process takes up to 1 hour). settings and ensures that it is correct, and then organizes the
2. After the application is keyed into the system, you can view system implementation process. New merchant Kits and
the application online as it moves through the approval Deployment tickets are ordered. however, if anything is
process on our Daily Dashboard. incorrect the application goes back to ACT.
3. Once the packet is complete, the application is then forwarded 7. The day shift QA team sends the application to imaging after
to Credit for approval (NAP Approved). if the application is all pertinent information is verified.
missing information, it will not be ‘NAP Approved’, and a 8. The original application is then sent to a bonded
log note is entered and the application is forwarded back to warehouse.
credit. The NAP Processor must sign off on the account before
the next step may occur.

The FlOW OF A FirsT AmeriCAN APP

Applications are logged into a spreadsheet, The application is forwarded to Credit for approval. if
merchant & rep fill out
equally assigned to NAP Processors then the application is not NAP approved, the file is pended.
and sign the application
keyed into our merchant system. A log note is entered and the application is forwarded
to credit. NAP processor will not sign off on the account.
Applications that are pended by NAP and/or Credit get forwarded
to the ACT department. Once ACT approves, they forward the
application to File build. Applications that are both NAP & Credit approved get
forwarded to the File Build department. if File build
finds a discrepancy, they will re-pend the application
File is sent to QA for verification. if complete, QA will and forward it to ACT.
check the “QA Complete” box in the merchant system
which will create si/Deployment tickets. if incomplete,
QA will re-pend and forward to ACT for resolution.

QA sends the app to Imaging where it is
The original application then goes to our storage facility.
scanned into Fortis.


seT TlemeNT
11

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. unfortunately, the funding schedule is non-negotiable.

Our settlement platform allows merchants to use up to six DDA’s to capture various components of the settlement ACh. For example,
deposits can be directed to a different DDA than the account from which fees are withdrawn. The ACh is created at the settlement total
level, therefore, card brands cannot be directed to different DDA’s.

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


serViCe
12

Quality service you Can Trust
year to date, the average wait time is 25 seconds to reach a
First American houses and employs its own Customer service
Customer service representative. Our abandonment rate is 3
Center. An automated phone greeting allows the caller to select
percent and the average call time is six minutes, 21 seconds.
what type of assistance they need, then routes the call to the first
available Customer service or Technical support representative.
Once a call is answered by a First American representative,
All Customer service and Technical support representatives
to gain access to the account the merchant must provide their
are required to attend training and receive certification prior to
merchant number, name of business, address, phone number,
answering any phone calls.
and name of the caller. if the merchant number is unknown, a
search is conducted using the business name, contact name, tax
in order to provide the most efficient service, First American uses
identification number, social security number, or business phone
a pool of representatives to support our customers. in some
number. if the caller is requesting sensitive information, such as
situations, we may assign one of our supervisors as a central point
transaction information, the Customer service representative
of contact for escalated issues. We can also provide support via
verifies the Tax iD number or social security Number listed on
email.
the account before providing any information.
The Customer service personnel are responsible for both Customer
Our partners have a separate support line to the Agent support
service and Technical support inquiries. if a level i or level ii
team, who works directly with Customer service to resolve any
representative is unable to solve a technical issue, it typically
issues. you have the option to call into Customer service and
escalates to a Team lead, then to a supervisor or manager,
ask to speak to a Team lead or supervisor, depending on the
and finally to our Product Development group. Our Product
issue. in some cases, we may assign a supervisor or Customer
Development group works closely with equipment manufacturers
service representative as the main contact for escalated issues.
when a resolution cannot be reached in-house. if a customer
We are willing to work with each customer to ensure we have an
requests to speak with a supervisor on a non-technical issue,
escalation process in place that benefits all parties involved.
we make every effort to immediately transfer the call directly to
a supervisor. unresolved supervisor calls are escalated to a
Over 20% of our staff is bilingual, speaking both english and
manager, and then to the Director of Customer service.
spanish. All Customer service representatives have access to a
translator for virtually any language translation. This service is
Our on-call representatives typically provide suggestions or
provided to our customers at no additional charge.
feedback to questions from our customers. in the case of
downgrades, we would research the cause of the downgrade
Customers may contact Customer service as often as needed on
and explain how to avoid it. We also house a separate
our toll-free number. Our center operates 24 hours a day, 7 days
Chargeback department that handles calls regarding retrievals
a week, and 365 days a year.
and chargebacks. We provide certain types of education, such
as fraud notices, on the monthly merchant statement.


rePOrTiNg
13

reporting at your Fingertips
• The Daily Dashboard features a tab for the Administration
First American offers the convenience of FirstView online reporting
of Profile information and user management, which allows
to the merchant for a small fee paid monthly per account. it is
all levels to maintain their own profile information and
optional to raise this charge to generate additional income.
administer an assistant.
• The residual report is under the Portfolio Data tab allowing
you can view your reporting online via the Daily Dashboard at
the download of residual reports. The link is only visible to
no additional charge, and serves as your source for up-to-the-
owners and their assistants (if permission is granted).
minute information and sales tools. The Daily Dashboard allows
• The New merchant App summary report resides under
you to view and track new applications, equipment/lease orders,
the Portfolio Data tab and displays a consolidated view of
maintenance requests, and retention statuses. Different tabs and
merchant boarding status by data range. This report allows
reports are used to help navigate and provide easy accessibility
all levels to view a running count of the merchant boarding
through the Dashboard:
deals by status (e.g. pended, approved, and activated).
• The Portfolio Data tab allows you to obtain information
• messaging capability is available for email and sms/Text
specifically about your merchants.
messaging. it allows users of all levels to be alerted on
• The New App status report shows all activities pertaining
merchant retention status notes.
to boarding a new merchant account. in general, the new
• The residual reports are structured to display the
merchant application status shows on the New App status
following:
report for 7 days.
• The equipment status report displays notes pertaining to
equipment leased through merimac Capital for 30 days after sales Office
submittal.
• The maintenance status report contains notes pertaining to Office group
the maintenance of an existing merchant for 30 days. This
sales rep Number
includes items such as address changes, DDA changes, card
adds (after initial activation), equipment adds and more.
merchant
• The retention status report displays notes generated from
merchant calls to obtain contract information or to close their
samples of these reports can be found in exhibit A on page 15.
account.
• The merchant inactivity report allows you to design a query
on merchants that have not sent transactions for a defined
period of time (e.g. shows all merchants in the portfolio that
have not processed for the last 7, 30 or 90 days).


sAles &
mArKeTiNg
suPPOrT 14

support you Can Count On
First American utilizes several departments to provide direct
assistance to our partners. Our Client relations Consultants act
as a liaison between you and First American. Our consultants
provide training, assistance, and answer any questions that may
arise.

Additionally, First American houses its own marketing department
to fill any marketing requests for the company and its partners.
Our marketing team develops, designs and implements all of our
marketing materials including direct mail pieces, brochures, flyers,
letters, press releases, print and web advertising, newsletters, mass
emails, posters, etc. Our team can fill virtually any request as long
as we have the resources and a reasonable amount of production
time is permitted. There is no cost for our time, work, or design;
however we do pass on the printing and production costs to our
partner. Our team can also customize any existing marketing
materials or create customized pieces specifically for your office.

samples of our marketing collateral can be found in exhibit b on
page 21.


FAPS Qualifications To Serve Jn

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