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S. I /A Table of Contents Our Transformation In 2013, we began transforming our business by investing in next-generation commerce solutions aimed at helping ow clients grow their businesses, investing in our client-facing teams to enhance their reach and effectiveness, and recruiting a new group of experienced leaders into critical positions across the Company. We have moved beyond payment processing. We believe our long-term success will be driven by focusing on helping our clients grow their businesses by providing them with a suite of new commerce-enabling technologies as well as our broad set of existing solutions. Ow focus on innovation — combined with the direct relationships we enjoy with many businesses and financial institutions, and thc critical nature of the services we already provide many clients — positions us well to quickly develop, commercialize, and deliver new commerce solutions to our clients. We have many opportunities, in our view, to sell our expanded set of commerce solutions. We intend to sell these products to new clients through all of ow major existing distribution channels, often through more enhanced product bundling. In addition, given the large size of our existing client base, we believe we have an outsized opportunity to sell our new solutions to existing clients, many of whom may not be aware of the availability of our next-generation commerce solutions nor that these solutions arc designed to easily integrate into their existing First Data solutions. First Data's focus on innovation has accelerated. In the last three years, we have acquired six commerce-focused technology start-ups: Clover, Pest, Gyfi, SpreeCommerce, Easy Way Ordering, and Transaction Wireless: we now employ nearly 200 employees in Silicon Valley and Silicon Alley; and we have partnered with some of the world's leading technology companies to deliver commerce- enabling solutions. Since 2013, we have launched many innovative solutions. For exampl

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Independent research project. Not affiliated with the U.S. Department of Justice, FBI, any government agency, or Anthropic. All analytical text on this site is AI-generated (Claude, Anthropic) and iteratively fact-checked against source documents, but may contain errors. Verify all claims against linked EFTA sources before citing.
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