Epstein Secrets

to be the processor for multiple financial institutions, any one of which may be selected by the merchant as their bank partner. http://vanv. see. gov/Archi vecledgaddataht83980/00011 93 1251 5334479/d31022ds la.htmi 1 0/14/201 5 9:06:38 AM] CONFIDENTIAL - PURSUANT TO FED. R. CRIM. P. 6(e) CONFIDENTIAL

ON A substantial portion of our business is conducted through "alliances" with banks and other institutions. Where we discuss the operations of our Global Business Solutions segment. such discussions include our alliances because they generally do not have their own operations (other than certain majority owned and equit

nts, and other industry participants may develop products that compete with or replace our value-added products and services. 20 http://vanv. see. gov/Archi vecledgaddataht83980/00011 93 1251 5334479/d31022ds la.htmi 1 0/14/201 5 9:06:38 AM] CONFIDENTIAL - PURSUANT TO FED. R. CRIM. P. 6(e) CONFIDENTIAL

in our relative markets. For example, our ability to provide innovative point-of-sale technology to our merchant clients could have an impact on our Global Business Solutions business. In addition, failure to develop value-added services that meet the needs and preferences of our clients could have an adverse effect on ow

, which facilitates the acceptance of commercial transactions at the point of sale, including retail transactions at physical 56 http://vanv. see. gov/Archi vecledgaddatat883980/00011 9312515334479/d31022ds la.htmill 0/14/2015 9:06:38 AM) CONFIDENTIAL - PURSUANT TO FED. R. CRIM. P. 6(e) CONFIDENTIAL DB

within our existing business lines. Our Segments In the second quarter of 2015. we realigned our operating segments into three reportable segments: Global Business Solutions, Global Financial Solutions, and Network & Security Solutions. The realignment of our segments was designed to establish global lines of businesses

ent Solutions for our Merchant Solutions business and has been our Executive Vice President. Chief Operating Officer (Global 160 http://vanv. see. gov/Archi vecledgar/dataht83980/00011 93 1251 5334479/(B1022ds la.htmi I 0/14/20I 5 9:06:38 AM] CONFIDENTIAL - PURSUANT TO FED. R. CRIM. P. 6(e) CONFIDENTIAL

or firms and was Citigroup's Global Chief Compliance Officer from 2008 until 2012. Daniel J. Charron has been our Executive Vice President, Head of Global Business Solutions since February 2015. Before joining us, Mr. Charron spent 14 years with Chase Paymentech, the global payment processing business of JPMorgan Chase &