Epstein Secrets

rectly and indirectly. We have well-established businesses and partnerships to serve clients in large developed economies such as the United States, the United Kingdom, Germany, and Australia where the penetration of electronic payments is high and the use of commerce-enabling technologies is common. We have also

ul, 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 aro

and types. We entered the region in 1991 through the establishment of an equity alliance with Lloyds Bank to provide merchant acquiring services in the United Kingdom. Since then, we have expanded our presence across EMEA by establishing a direct presence in certain markets, developing new alliances end distributi

X- I/A Table of Comeau to busing.sses through two First Data-owned entities, POSNET and UN PS„ and through various distribution partners. We wit our solutions to financial institutions primarily through our di

nited States are subject to the terms of individual employment agreements. One of our wholly owned subsidiaries has approximately 1,600 employees in the United Kingdom. a portion of whom are members of the Unite trade union. Employees of our subsidiaries in Vienna, Austria; Frankfurt Germany; and Nurnberg. Germany

r intellectual property that are important to our future success. The only intellectual property rights that are individually material to us are the First Data trademark and trade name, and the STAR trademark and trade name. The STAR trademark and trade name are used in the Network & Security Solutions segm

invested in private equity over time. « KKR will manage concentration risk, and it is unlikely that the firm will make another investment as big as First Data again. The biggest advantage to having a ea Bankof America 44 2016 Future of Financials Conference | 17 November 2016 Merrill Lynch HOUSE_OVERSIGHT

dom of Saudi Arabia Company, regulated by the Capital Market Authority. This research report: has been approved for publication and is distributed in the United Kingdom (UK) to pro FCA and the PRA) by MLI (UK) and Bank of America Merrill Lynch International Limited, which are authorized retail clients (as defined in