S-1/A Table of Content& Expanding the STAR Network's Capabilities We intend to drive the STAR Newark's growth by expanding its functionality and by cross-selling it more effectively with other First Data solutions. We have already expanded STAR 's available card holder verification methods from PIN to now also include PIN-less. We are also investing in more advanced fraud capabilities for STAR. and we will continue to consider additional enhancements to STAR 's capabilities. We believe financial institutions, businesses, and commerce technology companies are increasingly looking for additional network options. This, coupled with the expanded array of solutions we sell to these business and financial services client bases. creates more opportunities for us to cross- sell STAR issuance and STAR acceptance with our other issuing and acquiring solutions. Expand Our Global Footprint and Offerings We have operations in 36 countries and serve clients in 118 countries across North America, Latin America, Europe, the Middle East and Africa, and the Asia Pacific region. We have expanded globally over the past 15 years. including recently in India and Brazil. and we intend to continue to expand our global footprint by making strategic investments and developing key partnerships in attractive new markets This strategy allows us to expand our offerings by selling many of our integrated solutions, including several recently developed next-generation products. to our non-U.S. client base in existing and new markets. The realignment of our operating segments into OBS, GE'S and NSS in the second quarter of 2015 was designal to establish global lines of businesses that support our client base and allow us to further globalize our solutions while working seamlessly with our teams across our regions. We may enter a new geographic region or country in several ways, including establishing a new office and hiring local saltwomle. creating a new distribution partnership.