EFTA Document EFTA01382598

S-1/A Table of Conteali Our suite of commerce-enabling solutions includes a range of products for businesses and financial institutions of all sizes and types that help ow clients grow their business, interact with thcir customers, and manage their operations. These solutions include, among others, POS, mobile and online payment acceptance and the Clover operating system for business clients, and debit processing, STAR Network and online banking for financial institution clients. We Have a Large and Diverse Distribution Platform We sell our commerce-enabling solutions through a combination of channels that provide us with a large. global distribution platform. Our distribution channels allow us to reach clients of all types and sizes. Our distribution platform includes equity and revenue sharing alliances with bank partners, direct sales, referral partnerships with bank and non-bank entities, and indirect sales through third-part) re-sellers. B i !lave a Global Footprint Enabling Us to Reach Clients Around the Ifighl We have operations in 36 countries and serve clients in 118 countries around the world directly and indirectly. We have well- established businesses and partnerships to serve clients in large developed economies and have also made strategic investments and developed key partnerships in fast-growing emerging markets where the penetration of electronic payments is lower. such as India and Brazil. We believe our global breadth is an increasing competitive advantage as multi-national organizations, such as retailers, restaurant chains, and financial institutions, want to work with a single trusted technology partner across multiple geographies to deploy various solutions. Our Broad-Based Client Service Capabilities Differentiate Us Most clients view their payments systems as mission-critical infrastructure for their businesses. In addition. our clients around the world arc also facing increasing operating complexity due to new technologies, such as mobile payments, and the implementation of new regulations and standards, such as the EMV liability shift in the United States beginning in October 2015. Our ability to provide our clients with broad-basesl client service is a major competitive advantage, especially against emerging companies that often lack (Imp client service capabilities. We Have Prayerful, Proprietary Technology Platforms We own and operate proprietary technology platforms which give us a wide range of capabilities that distinguish First Data in the global marketplace and provide us with significant competitive advantages. Our powerful technology platforms are strategically positioned around the world to meet the different technical needs of our large. diversified client base and support our global operations. We develop and maintain our platforms in-house, which enables us to ensure they arc highly stable, secure. and scalable with substantial excess capacity to expand our capabilities without the need for material new investment. If 'e Have a Strong Controls Operation We have built a strong controls operation that helps us manage our risks and work collaboratively with our clients on control-related issues. This provides us with a stable controls environment around enterprise risk management, underwriting and credit risk. third-party risk, and regulatory compliance, among other areas. It also makes us an attractive third-party provider for all of our clients, but particularly for our financial institution clients and partners. who arc under intense regulatory scrutiny. We believe these capabilities help us retain and win clients. 5 http://www.see.gov/Archivestedgar/datant83980/000119312515334479/d31022dsla.htmill0/14/2015 9:06:38 AM] CONFIDENTIAL - PURSUANT TO FED. R. CRIM. P. 6(e) CONFIDENTIAL DB-SDNY-0082021 SDNY GM_00228205 EFTA01382598