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 direct sales force. The Canadian market is relatively small compared to the United States, but we believe it is subject to many of the same favorable trends and growth opportunities. While the adoption of electronic payments is significant in this region, we believe there arc various attractive industry• verticals, client segments. and transaction categories that remain relatively undapenetrated and represent a significant growth opportunity. including: (1) the government, gaming. vents and entertainment, and healthcare verticals; (2) the small business and micro-merchant client segments; and (3) the eCommerce. mobile commerce. prepaid. person-to-person. and commercial transaction categories. In addition, we believe our growth in North America will benefit as many of the businesses and financial institutions who have already adopted electronic payments migrate to more sophisticated commerce-enabling technologies. We believe this trend represents a significant growth opportunity in the region to further penetrate our existing client base and to win new clients as business and financial institutions: (I) adopt new business management solutions such as IPOS systems and software apps to manage and grow their enterprises more effectively; (2) migrate more of their commerce online, driving more eCommerce volumes and greater online banking activity; (3) increasingly digitize their payment products to be used in next-generation mobile wallets, such as Apple Pay, and digital stored-value marketplaces, such as GO., (4) move to multi-channel commerce-solutions that enable them to engage with their customers across physical, online and mobile storefronts in an integrated manner; (5) increasingly use next-generation analytics solutions that help them unlock th