majority of these services pertain to transactions which arc routed through a payment network (such as Visa or MasterCard), an EFT network (such as the STAR Network, which is owned by us), or other payment issue• networks (such as American Express and Discover). Merchant acquiring revenues arc generated from a v

. we arc eligible to receive one or more of the following: (1) a foe from the card issuing financial institution for running the transaction through the STAR Network; (2) a fee from the card issuer for obtaining the authorization: (3) a fee from the business for acquiring the transaction, recognized in the OBS se

h is operated by us. which in turn routes the encrypted information to the appropriate financial institution for authorization. To be routed through the STAR Network, a transaction must be initiated with a card participating in the STAR Network at an ATM or POS device also participating in the STAR Network. Reve