%PDF-1.5 1 0 obj <> endobj 3 0 obj <> endobj 4 0 obj <> stream BT /F1 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 259.00 756.90 Td (UNITED ST) Tj ET Q q 0 0 0 rg BT 322.46 756.90 Td (A) Tj ET Q q 0 0 0 rg BT 330.24 756.90 Td (TES) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 177.10 742.50 Td (SECURITIES ) Tj ET Q q 0 0 0 rg BT 252.14 742.50 Td (AND EXCHANGE COMMISSION) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 235.90 728.10 Td (W) Tj ET Q q 0 0 0 rg BT 246.57 728.10 Td (ASHINGT) Tj ET Q q 0 0 0 rg BT 301.70 728.10 Td (ON, DC 20549) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235 713.6 m 376 713.6 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 377.50 714.10 Td () Tj ET Q BT /F1 14.00 Tf ET q 0 0 0 rg BT 268.05 695.30 Td (FORM 10-K) Tj ET Q /GS0 gs q 8.92 0 0 9.76 48.00 672.54 cm /I1 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 75.00 675.42 Td (ANNUAL) Tj ET Q q 0 0 0 rg BT 117.03 675.42 Td ( REPOR) Tj ET Q q 0 0 0 rg BT 151.28 675.42 Td (T) Tj ET Q q 0 0 0 rg BT 156.99 675.42 Td ( PURSUANT) Tj ET Q q 0 0 0 rg BT 212.10 675.42 Td ( ) Tj ET Q q 0 0 0 rg BT 214.42 675.42 Td (T) Tj ET Q q 0 0 0 rg BT 220.35 675.42 Td (O SECTION 13 OR 15\(d\) OF ) Tj ET Q q 0 0 0 rg BT 342.95 675.42 Td (THE SECURITIES EXCHANGE ) Tj ET Q q 0 0 0 rg BT 481.18 675.42 Td (ACT) Tj ET Q q 0 0 0 rg BT 500.82 675.42 Td ( OF 1934) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 75.00 663.42 Td (For the fiscal year ended:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 219.00 663.42 Td (December 31, 2018) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 299.05 647.30 Td (OR) Tj ET Q /GS0 gs q 8.91 0 0 9.76 48.00 624.54 cm /I2 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 75.00 627.37 Td (TRANSITION REPOR) Tj ET Q q 0 0 0 rg BT 169.13 627.37 Td (T) Tj ET Q q 0 0 0 rg BT 175.05 627.37 Td ( PURSUANT) Tj ET Q q 0 0 0 rg BT 230.16 627.37 Td ( ) Tj ET Q q 0 0 0 rg BT 232.48 627.37 Td (T) Tj ET Q q 0 0 0 rg BT 238.41 627.37 Td (O SECTION 13 OR 15\(d\) OF ) Tj ET Q q 0 0 0 rg BT 361.01 627.37 Td (THE SECURITIES EXCHANGE ) Tj ET Q q 0 0 0 rg BT 499.06 627.37 Td (ACT) Tj ET Q q 0 0 0 rg BT 518.88 627.37 Td ( OF ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 75.00 617.37 Td (1934) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 75.00 604.42 Td (For the transition period from ) Tj ET Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 196.3671875 603.0833984375 m 226.3671875 603.0833984375 l s q 0 0 0 rg BT 196.37 604.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 226.37 604.42 Td ( to ) Tj ET Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 239.1455078125 603.0833984375 m 269.1455078125 603.0833984375 l s q 0 0 0 rg BT 239.15 604.42 Td () Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.70 588.30 Td (Commission file number: 0-14948) Tj ET Q BT /F2 18.00 Tf ET q 0 0 0 rg BT 265.80 566.70 Td (Fiserv) Tj ET Q q 0 0 0 rg BT 309.63 566.70 Td (, Inc.) 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Employer) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 396.75 514.82 Td (Identification No.\)) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 230.50 498.70 Td (255 Fiserv Dr) Tj ET Q q 0 0 0 rg BT 285.50 498.70 Td (., Brookfield, ) Tj ET Q q 0 0 0 rg BT 341.14 498.70 Td (WI 53045) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 182.75 486.70 Td (\(Address of Principal Executive Of) Tj ET Q q 0 0 0 rg BT 323.64 486.70 Td (fices, Including Zip Code\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 45.00 472.70 Td (Registrant) Tj ET Q q 0 0 0 rg BT 88.88 472.70 Td (s telephone number) Tj ET Q q 0 0 0 rg BT 166.79 472.70 Td (, including area code: \(262\)879-5000) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 45.00 458.70 Td (Securities registered pursuant to Section12\(b\) of the ) Tj ET Q q 0 0 0 rg BT 257.72 458.70 Td (Act:) Tj ET Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 133.95 437.4833984375 m 209.965625 437.4833984375 l s q 0 0 0 rg BT 133.95 438.82 Td (T) Tj ET Q q 0 0 0 rg BT 139.88 438.82 Td (itle of Each Class) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 302.00 440.15 Td () Tj ET Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 342.05 437.4833984375 m 527.9044921875 437.4833984375 l s q 0 0 0 rg BT 342.05 438.82 Td (Name of Each Exchange on ) Tj ET Q q 0 0 0 rg BT 455.99 438.82 Td (Which Registered) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 87.85 426.82 Td (Common Stock, par value $0.01 per share) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 302.00 428.15 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 366.10 426.82 Td (The NASDAQ Stock Market LLC) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 45.00 410.70 Td (Securities registered pursuant to Section12\(g\) of the ) Tj ET Q q 0 0 0 rg BT 257.72 410.70 Td (Act:None) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 45.00 396.70 Td (Indicate by check mark if the registrant is a well-known seasoned issuer) Tj ET Q q 0 0 0 rg BT 332.56 396.70 Td (, as defined in Rule 405 of the Securities ) Tj ET Q q 0 0 0 rg BT 496.97 396.70 Td (Act. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 45.00 384.70 Td (Y) Tj ET Q q 0 0 0 rg BT 51.22 384.70 Td (es) Tj ET Q /GS0 gs q 8.92 0 0 10.09 64.55 382.54 cm /I3 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 73.47 384.70 Td (No) Tj ET Q /GS0 gs q 8.91 0 0 10.09 100.69 382.54 cm /I4 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 45.00 370.70 Td (Indicate by check mark if the registrant is not required to file reports pursuant to Section13 or 15\(d\) of the ) Tj ET Q q 0 0 0 rg BT 473.49 370.70 Td (Act. ) Tj ET Q q 0 0 0 rg BT 495.05 370.70 Td (Y) Tj ET Q q 0 0 0 rg BT 501.27 370.70 Td (es) Tj ET Q /GS0 gs q 8.91 0 0 10.09 514.60 368.54 cm /I5 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 523.52 370.70 Td (No) Tj ET Q /GS0 gs q 8.92 0 0 10.09 550.74 368.54 cm /I6 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 45.00 356.70 Td (Indicate by check mark whether the registrant: \(1\)has filed all reports required to be filed by Section13 or 15\(d\) of the Securities ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 45.00 344.70 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 86.37 344.70 Td (Act of 1934 during the preceding 12 months \(or for such shorter period that the registrant was required to file such ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 45.00 332.70 Td (reports\), and \(2\)has been subject to such filing requirements for the past 90 days.) Tj ET Q q 0 0 0 rg BT 380.65 332.70 Td (Y) Tj ET Q q 0 0 0 rg BT 386.87 332.70 Td (es) Tj ET Q /GS0 gs q 8.92 0 0 10.09 400.20 330.54 cm /I7 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 409.12 332.70 Td (No) Tj ET Q /GS0 gs q 8.91 0 0 10.09 436.34 330.54 cm /I8 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 45.00 318.70 Td (Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 45.00 306.70 Td (pursuant to Rule 405 of Regulation S-T) Tj ET Q q 0 0 0 rg BT 203.13 306.70 Td ( during the preceding 12 months \(or for such shorter period that the registrant was required ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 45.00 294.70 Td (to submit such files\).) Tj ET Q q 0 0 0 rg BT 138.51 294.70 Td (Y) Tj ET Q q 0 0 0 rg BT 144.73 294.70 Td (es) Tj ET Q /GS0 gs q 8.92 0 0 10.09 158.06 292.54 cm /I9 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 166.98 294.70 Td (No) Tj ET Q /GS0 gs q 8.91 0 0 10.09 194.20 292.54 cm /I10 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 45.00 280.70 Td (Indicate by check mark if disclosure of delinquent filers pursuant to Item405 of Regulation S-K is not contained herein, and will ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 45.00 268.70 Td (not be contained, to the best of registrant) Tj ET Q q 0 0 0 rg BT 211.06 268.70 Td (s knowledge, in definitive proxy or information statements incorporated by reference in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 45.00 256.70 Td (Part III of this Form 10-K or any amendment to this Form 10-K. ) Tj ET Q /GS0 gs q 8.92 0 0 10.09 312.47 254.54 cm /I11 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 45.00 242.70 Td (Indicate by check mark whether the registrant is a lar) Tj ET Q q 0 0 0 rg BT 257.23 242.70 Td (ge accelerated filer) Tj ET Q q 0 0 0 rg BT 332.88 242.70 Td (, an accelerated filer) Tj ET Q q 0 0 0 rg BT 413.53 242.70 Td (, a non-accelerated filer) Tj ET Q q 0 0 0 rg BT 507.50 242.70 Td (, a smaller ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 45.00 230.70 Td (reporting company) Tj ET Q q 0 0 0 rg BT 120.16 230.70 Td (, or an emer) Tj ET Q q 0 0 0 rg BT 167.73 230.70 Td (ging growth company) Tj ET Q q 0 0 0 rg BT 254.85 230.70 Td (. See the definitions of lar) Tj ET Q q 0 0 0 rg BT 362.41 230.70 Td (ge accelerated filer) Tj ET Q q 0 0 0 rg BT 438.06 230.70 Td (, accelerated filer) Tj ET Q q 0 0 0 rg BT 515.65 230.70 Td (, smaller ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 45.00 218.70 Td (reporting company) Tj ET Q q 0 0 0 rg BT 120.16 218.70 Td (, and emer) Tj ET Q q 0 0 0 rg BT 170.78 218.70 Td (ging growth company in Rule 12b-2 of the Exchange ) Tj ET Q q 0 0 0 rg BT 389.90 218.70 Td (Act.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 45.00 204.70 Td (Lar) Tj ET Q q 0 0 0 rg BT 58.70 204.70 Td (ge ) Tj ET Q q 0 0 0 rg BT 70.08 204.70 Td (Accelerated Filer) Tj ET Q /GS0 gs q 8.92 0 0 10.09 144.21 202.54 cm /I12 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 153.13 204.70 Td () Tj ET Q q 0 0 0 rg BT 162.57 204.70 Td (Accelerated Filer) Tj ET Q /GS0 gs q 8.91 0 0 10.09 236.70 202.54 cm /I13 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 245.61 204.70 Td (Non-Accelerated Filer) Tj ET Q /GS0 gs q 8.91 0 0 10.09 350.29 202.54 cm /I14 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 359.20 204.70 Td (Smaller Reporting Company) Tj ET Q /GS0 gs q 8.91 0 0 10.09 489.18 202.54 cm /I15 Do Q /GS0 gs q 10.00 0 0 10.09 498.10 202.54 cm /I16 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 45.00 192.70 Td (Emer) Tj ET Q q 0 0 0 rg BT 66.47 192.70 Td (gingGrowth Company) Tj ET Q /GS0 gs q 8.91 0 0 10.09 163.69 190.54 cm /I17 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 45.00 178.70 Td (If an emer) Tj ET Q q 0 0 0 rg BT 85.90 178.70 Td (ging growth company) Tj ET Q q 0 0 0 rg BT 173.02 178.70 Td (, indicate by check mark if the registrant has elected not to use the extended transition period for ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 45.00 166.70 Td (complying with any new or revised financial accounting standards provided pursuant to Section 13\(a\) of the Exchange ) Tj ET Q q 0 0 0 rg BT 521.25 166.70 Td (Act.) Tj ET Q /GS0 gs q 8.91 0 0 10.09 543.19 164.54 cm /I18 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 45.00 152.70 Td (Indicate by check mark whether the registrant is a shell company \(as defined in Rule 12b-2 of the Exchange ) Tj ET Q q 0 0 0 rg BT 478.46 152.70 Td (Act\). ) Tj ET Q q 0 0 0 rg BT 500.86 152.70 Td (Y) Tj ET Q q 0 0 0 rg BT 507.08 152.70 Td (es) Tj ET Q /GS0 gs q 8.91 0 0 10.09 520.41 150.54 cm /I19 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 529.32 152.70 Td (No) Tj ET Q /GS0 gs q 8.92 0 0 10.09 556.54 150.54 cm /I20 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 45.00 138.70 Td (The aggregate market value of the common stock of the registrant held by non-af) Tj ET Q q 0 0 0 rg BT 369.42 138.70 Td (filiates as of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 420.80 138.70 Td (June29, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 476.63 138.70 Td ( \(the last trading day ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 45.00 126.70 Td (of the second fiscal quarter\) was ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 177.17 126.70 Td ($30,024,669,916) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 244.67 126.70 Td ( based on the closing price of the registrant) Tj ET Q q 0 0 0 rg BT 419.61 126.70 Td (s common stock on the NASDAQ ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 45.00 114.70 Td (Global Select Market on that date. ) Tj ET Q q 0 0 0 rg BT 184.50 114.70 Td (The number of shares of the registrant) Tj ET Q q 0 0 0 rg BT 340.00 114.70 Td (s common stock, $0.01 par value per share, outstanding ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 45.00 102.70 Td (at ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 54.72 102.70 Td (February15, 2019) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 128.32 102.70 Td ( was ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 148.87 102.70 Td (391,586,971) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 198.87 102.70 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.40 84.70 Td (DOCUMENTS INCORPORA) Tj ET Q q 0 0 0 rg BT 319.83 84.70 Td (TED BY) Tj ET Q q 0 0 0 rg BT 356.41 84.70 Td ( REFERENCE) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 45.00 66.70 Td (Part III of this report incorporates information by reference to the registrant) Tj ET Q q 0 0 0 rg BT 349.61 66.70 Td (s proxy statement for its ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 448.76 66.70 Td (2019) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.76 66.70 Td ( annual meeting of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 45.00 54.70 Td (shareholders, which proxy statement will be filed with the Securities and Exchange Commission no later than 120 days after the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 45.00 42.70 Td (close of the fiscal year ended ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 163.83 42.70 Td (December31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 242.42 42.70 Td (.) Tj ET Q endstream endobj 5 0 obj <> endobj 6 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 304.60 31.60 Td (i) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.65 742.25 Td (T) Tj ET Q q 0 0 0 rg BT 258.58 742.25 Td (ABLE OF) Tj ET Q q 0 0 0 rg BT 301.82 742.25 Td ( CONTENTS) Tj ET Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 534.25 720.9833984375 m 553.6884765625 720.9833984375 l s q 0 0 0 rg BT 534.25 722.32 Td (Page) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 553.69 722.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 708.48 Td (P) Tj ET Q q 0 0 0 rg BT 58.74 708.48 Td (AR) Tj ET Q q 0 0 0 rg BT 72.63 708.48 Td (T) Tj ET Q q 0 0 0 rg BT 79.04 708.48 Td ( I) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 691.32 Td (Item1.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 114.00 691.32 Td (Business) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 673.32 Td (Item1A.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 114.00 673.32 Td (Risk Factors) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 655.32 Td (Item 1B.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 114.00 655.32 Td (Unresolved Staf) Tj ET Q q 0 0 0 rg BT 178.53 655.32 Td (f Comments) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 637.32 Td (Item 2.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 114.00 637.32 Td (Properties) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 619.32 Td (Item 3.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 114.00 619.32 Td (Legal Proceedings) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 601.32 Td (Item 4.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 114.00 601.32 Td (Mine Safety Disclosures) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 114.00 583.32 Td (Executive Of) Tj ET Q q 0 0 0 rg BT 166.85 583.32 Td (ficers of the Registrant) Tj ET Q BT /F2 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 565.48 Td (P) Tj ET Q q 0 0 0 rg BT 58.74 565.48 Td (AR) Tj ET Q q 0 0 0 rg BT 72.63 565.48 Td (T) Tj ET Q q 0 0 0 rg BT 79.04 565.48 Td ( II) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 548.32 Td (Item 5.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 114.00 548.32 Td (Market for Registrant) Tj ET Q q 0 0 0 rg BT 203.42 548.32 Td (s Common Equity) Tj ET Q q 0 0 0 rg BT 275.55 548.32 Td (, Related Stockholder Matters and Issuer Purchases of Equity ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 114.00 538.32 Td (Securities) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 520.32 Td (Item 6.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 114.00 520.32 Td (Selected Financial Data) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 502.32 Td (Item 7.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 114.00 502.32 Td (Management) Tj ET Q q 0 0 0 rg BT 168.98 502.32 Td (s Discussion and ) Tj ET Q q 0 0 0 rg BT 238.15 502.32 Td (Analysis of Financial Condition and Results of Operations) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 484.32 Td (Item 7A.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 114.00 484.32 Td (Quantitative and Qualitative Disclosures ) Tj ET Q q 0 0 0 rg BT 278.40 484.32 Td (About Market Risk) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 466.32 Td (Item 8.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 114.00 466.32 Td (Financial Statements and Supplementary Data) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 448.32 Td (Item 9.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 114.00 448.32 Td (Changes in and Disagreements with ) Tj ET Q q 0 0 0 rg BT 259.81 448.32 Td (Accountants on ) Tj ET Q q 0 0 0 rg BT 324.24 448.32 Td (Accounting and Financial Disclosure) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 430.32 Td (Item 9A.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 114.00 430.32 Td (Controls and Procedures) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 412.32 Td (Item 9B.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 114.00 412.32 Td (Other Information) Tj ET Q BT /F2 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 394.48 Td (P) Tj ET Q q 0 0 0 rg BT 58.74 394.48 Td (AR) Tj ET Q q 0 0 0 rg BT 72.63 394.48 Td (T) Tj ET Q q 0 0 0 rg BT 79.04 394.48 Td ( III) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 377.32 Td (Item 10.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 114.00 377.32 Td (Directors, Executive Of) Tj ET Q q 0 0 0 rg BT 209.06 377.32 Td (ficers and Corporate Governance) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 359.32 Td (Item 1) Tj ET Q q 0 0 0 rg BT 78.64 359.32 Td (1.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 114.00 359.32 Td (Executive Compensation) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 341.32 Td (Item 12.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 114.00 341.32 Td (Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 323.32 Td (Item 13.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 114.00 323.32 Td (Certain Relationships and Related ) Tj ET Q q 0 0 0 rg BT 252.68 323.32 Td (T) Tj ET Q q 0 0 0 rg BT 258.43 323.32 Td (ransactions, and DirectorIndependence) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 305.32 Td (Item 14.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 114.00 305.32 Td (Principal ) Tj ET Q q 0 0 0 rg BT 152.05 305.32 Td (Accounting Fees and Services) Tj ET Q BT /F2 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 287.48 Td (P) Tj ET Q q 0 0 0 rg BT 58.37 287.48 Td (AR) Tj ET Q q 0 0 0 rg BT 72.46 287.48 Td (T) Tj ET Q q 0 0 0 rg BT 78.95 287.48 Td ( IV) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 270.32 Td (Item 15.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 114.00 270.32 Td (Exhibits, Financial Statement Schedules) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 252.32 Td (Item 16.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 114.00 252.32 Td (Form 10-K Summary) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 114.00 234.32 Td (Signatures) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 554.00 691.32 Td (2) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 554.00 673.32 Td (8) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.00 655.32 Td (18) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.00 637.32 Td (18) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.00 619.32 Td (18) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.00 601.32 Td (18) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.00 583.32 Td (19) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.00 538.42 Td (20) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.00 520.32 Td (22) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.00 502.32 Td (22) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.00 484.32 Td (35) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.00 466.32 Td (36) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.00 448.32 Td (72) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.00 430.32 Td (72) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.00 412.32 Td (74) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.00 377.32 Td (74) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.00 359.32 Td (75) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.00 341.32 Td (75) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.00 323.32 Td (75) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.00 305.32 Td (76) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.00 270.32 Td (76) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.00 252.32 Td (79) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.00 234.32 Td (80) Tj ET Q BT /F2 10.00 Tf ET endstream endobj 7 0 obj <> endobj 8 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 219.50 742.25 Td (FOR) Tj ET Q q 0 0 0 rg BT 240.26 742.25 Td (W) Tj ET Q q 0 0 0 rg BT 249.15 742.25 Td (ARD-LOOKING ST) Tj ET Q q 0 0 0 rg BT 337.03 742.25 Td (A) Tj ET Q q 0 0 0 rg BT 343.51 742.25 Td (TEMENTS) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (This ) Tj ET Q q 0 0 0 rg BT 69.73 721.25 Td (Annual Report on Form 10-K contains forward-looking statements intended to qualify for the safe harbor from liability ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 709.25 Td (established by the Private Securities Litigation Reform ) Tj ET Q q 0 0 0 rg BT 271.34 709.25 Td (Act of 1995. Forward-looking statements include those that express a ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 697.25 Td (plan, belief, expectation, estimation, anticipation, intent, contingency) Tj ET Q q 0 0 0 rg BT 325.93 697.25 Td (, future development or similar expression, and can ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 685.25 Td (generally be identified as forward-looking because they include words such as believes, anticipates, expects, could, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 673.25 Td (should or words of similar meaning. Statements that describe our future plans, objectives or goals are also forward-looking ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 661.25 Td (statements. ) Tj ET Q q 0 0 0 rg BT 97.03 661.25 Td (The forward-looking statements in this report involve significant risks and uncertainties, and a number of factors, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 649.25 Td (both foreseen and unforeseen, could cause actual results to dif) Tj ET Q q 0 0 0 rg BT 298.06 649.25 Td (fer materially from our current expectations. ) Tj ET Q q 0 0 0 rg BT 478.08 649.25 Td (The factors that ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 637.25 Td (could cause Fiserv) Tj ET Q q 0 0 0 rg BT 127.20 637.25 Td (s actual results to dif) Tj ET Q q 0 0 0 rg BT 209.78 637.25 Td (fer materially include, among others: the possibility that Fiserv and First Data ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 625.25 Td (Corporation \(First Data\) may be unable to achieve expected syner) Tj ET Q q 0 0 0 rg BT 322.21 625.25 Td (gies and operating ef) Tj ET Q q 0 0 0 rg BT 405.61 625.25 Td (ficiencies in the proposed mer) Tj ET Q q 0 0 0 rg BT 525.94 625.25 Td (ger with ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 613.25 Td (First Data within the expected time frames or at all and to successfully integrate the operations of First Data into those of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 601.25 Td (Fiserv; such integration may be more dif) Tj ET Q q 0 0 0 rg BT 212.56 601.25 Td (ficult, time-consuming or costly than expected; revenues following the mer) Tj ET Q q 0 0 0 rg BT 513.40 601.25 Td (ger may be ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 589.25 Td (lower than expected, including for possible reasons such as unexpected costs, char) Tj ET Q q 0 0 0 rg BT 379.44 589.25 Td (ges or expenses resulting from the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 577.25 Td (transaction; operating costs, customer loss and business disruption \(including, without limitation, dif) Tj ET Q q 0 0 0 rg BT 451.99 577.25 Td (ficulties in maintaining ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 565.25 Td (relationships with employees, customers, clients or suppliers\) may be greater than expected following the mer) Tj ET Q q 0 0 0 rg BT 489.69 565.25 Td (ger; the retention ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 553.25 Td (of certain key employees; the occurrence of any event, change or other circumstances that could give rise to the termination of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 541.25 Td (the mer) Tj ET Q q 0 0 0 rg BT 80.08 541.25 Td (ger agreement with First Data; the outcome of any legal proceedings that may be instituted against Fiserv) Tj ET Q q 0 0 0 rg BT 500.98 541.25 Td (, First Data ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 529.25 Td (and others related to the mer) Tj ET Q q 0 0 0 rg BT 163.94 529.25 Td (ger agreement with First Data; unforeseen risks relating to liabilities of Fiserv or First Data may ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 517.25 Td (exist; shareholder approval or other conditions to the completion of the mer) Tj ET Q q 0 0 0 rg BT 352.24 517.25 Td (ger may not be satisfied, or the regulatory approvals ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 505.25 Td (required for the transaction may not be obtained on the terms expected or on the anticipated schedule; the amount of the costs, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 493.25 Td (fees, expenses and char) Tj ET Q q 0 0 0 rg BT 143.66 493.25 Td (ges related to the transaction, including the costs, fees, expenses and char) Tj ET Q q 0 0 0 rg BT 436.71 493.25 Td (ges related to any financing ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 481.25 Td (arrangements entered into in connection with the transaction; and the parties) Tj ET Q q 0 0 0 rg BT 358.04 481.25 Td ( ability to meet expectations regarding the timing, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 469.25 Td (completion and accounting and tax treatments of the transaction. Fiserv and First Data are subject to, among other matters, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 457.25 Td (changes in customer demand for their products and services; pricing and other actions by competitors; general changes in local, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 445.25 Td (regional, national and international economic conditions and the impact they may have on Fiserv and First Data and their ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 433.25 Td (customers and Fiserv) Tj ET Q q 0 0 0 rg BT 137.76 433.25 Td (s and First Data) Tj ET Q q 0 0 0 rg BT 203.59 433.25 Td (s assessment of that impact; rapid technological developments and changes, and the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 421.25 Td (ability of Fiserv) Tj ET Q q 0 0 0 rg BT 116.66 421.25 Td (s and First Data) Tj ET Q q 0 0 0 rg BT 182.49 421.25 Td (s technology to keep pace with a rapidly evolving marketplace; the impact of a security breach ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 409.25 Td (or operational failure on Fiserv) Tj ET Q q 0 0 0 rg BT 177.18 409.25 Td (s and First Data) Tj ET Q q 0 0 0 rg BT 243.01 409.25 Td (s business; the ef) Tj ET Q q 0 0 0 rg BT 310.87 409.25 Td (fect of proposed and enacted legislative and regulatory actions ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 397.25 Td (in the United States and internationally af) Tj ET Q q 0 0 0 rg BT 216.44 397.25 Td (fecting the financial services industry as a whole and/or Fiserv and First Data and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 385.25 Td (their subsidiaries individually or collectively; regulatory supervision and oversight, and Fiserv) Tj ET Q q 0 0 0 rg BT 430.20 385.25 Td (s and First Data) Tj ET Q q 0 0 0 rg BT 496.03 385.25 Td (s ability to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 373.25 Td (comply with government regulations; the impact of Fiserv) Tj ET Q q 0 0 0 rg BT 285.79 373.25 Td (s and First Data) Tj ET Q q 0 0 0 rg BT 351.61 373.25 Td (s strategic initiatives; Fiserv) Tj ET Q q 0 0 0 rg BT 466.87 373.25 Td (s and First Data) Tj ET Q q 0 0 0 rg BT 532.70 373.25 Td (s ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 361.25 Td (ability to continue to introduce competitive new products and services on a timely) Tj ET Q q 0 0 0 rg BT 377.60 361.25 Td (, cost-ef) Tj ET Q q 0 0 0 rg BT 409.62 361.25 Td (fective basis; the ability to contain ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 349.25 Td (costs and expenses; the protection and validity of intellectual property rights; the outcome of pending and future litigation and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 337.25 Td (governmental proceedings; acts of war and terrorism; and other factors discussed in this report under the heading Risk ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 325.25 Td (Factors and in First Data) Tj ET Q q 0 0 0 rg BT 156.09 325.25 Td (s filings with the Securities and Exchange Commission, and in other documents the companies file ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 313.25 Td (with the Securities and Exchange Commission. ) Tj ET Q q 0 0 0 rg BT 240.99 313.25 Td (Y) Tj ET Q q 0 0 0 rg BT 247.21 313.25 Td (ou should consider these factors carefully in evaluating forward-looking ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 301.25 Td (statements and are cautioned not to place undue reliance on such statements, which speak only as of the date of this report. ) Tj ET Q q 0 0 0 rg BT 542.99 301.25 Td (W) Tj ET Q q 0 0 0 rg BT 551.63 301.25 Td (e ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 289.25 Td (undertake no obligation to update forward-looking statements to reflect events or circumstances occurring after the date of this ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 277.25 Td (report. ) Tj ET Q q 0 0 0 rg BT 78.70 277.25 Td (W) Tj ET Q q 0 0 0 rg BT 87.33 277.25 Td (e are not including the information provided on the websites referenced herein as part of, or incorporating such ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 265.25 Td (information by reference into, this ) Tj ET Q q 0 0 0 rg BT 188.85 265.25 Td (Annual Report on Form 10-K.) Tj ET Q endstream endobj 9 0 obj <> endobj 10 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.80 742.25 Td (P) Tj ET Q q 0 0 0 rg BT 295.17 742.25 Td (AR) Tj ET Q q 0 0 0 rg BT 309.26 742.25 Td (T) Tj ET Q q 0 0 0 rg BT 315.75 742.25 Td ( I) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (In this report, all references to we, us, our and Fiserv refer to Fiserv) Tj ET Q q 0 0 0 rg BT 355.33 721.25 Td (, Inc. \(Fiserv\), a ) Tj ET Q q 0 0 0 rg BT 430.39 721.25 Td (W) Tj ET Q q 0 0 0 rg BT 439.43 721.25 Td (isconsin corporation, and, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 709.25 Td (unless the context otherwise requires, its consolidated subsidiaries.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.25 Td (Item1.Business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 667.25 Td (Overview) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td (Fiserv) Tj ET Q q 0 0 0 rg BT 74.35 646.25 Td (, Inc. is a leading global provider of financial services technology) Tj ET Q q 0 0 0 rg BT 335.83 646.25 Td (. ) Tj ET Q q 0 0 0 rg BT 340.65 646.25 Td (W) Tj ET Q q 0 0 0 rg BT 349.29 646.25 Td (e are publicly traded on the NASDAQ Global Select ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 634.25 Td (Market and part of the S&P) Tj ET Q q 0 0 0 rg BT 160.44 634.25 Td ( 500 Index. ) Tj ET Q q 0 0 0 rg BT 208.03 634.25 Td (W) Tj ET Q q 0 0 0 rg BT 216.67 634.25 Td (e serve over ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 267.47 634.25 Td (12,000) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 294.97 634.25 Td ( clients worldwide, including banks, credit unions, investment ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td (management firms, leasing and finance companies, billers, retailers, and merchants. ) Tj ET Q q 0 0 0 rg BT 387.20 622.25 Td (W) Tj ET Q q 0 0 0 rg BT 395.83 622.25 Td (e provide account processing systems; ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 610.25 Td (electronic payments processing products and services, such as electronic bill payment and presentment services, account-to-) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td (account transfers, person-to-person payments, debit and credit card processing and services, and payments infrastructure ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 586.25 Td (services; internet and mobile banking systems; and related services, including card and print personalization services, item ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 574.25 Td (processing and source capture services, loan origination and servicing products, and fraud and risk management products and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td (services. Most of the services we provide are necessary for our clients to operate their businesses and are, therefore, non-) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 550.25 Td (discretionary in nature. Our operations are principally located in the United States where we operate data and transaction ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 538.25 Td (processing centers, provide technology support, develop software and payment solutions, and of) Tj ET Q q 0 0 0 rg BT 434.73 538.25 Td (fer consulting services.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 517.25 Td (In ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 60.83 517.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 80.83 517.25 Td (, we had ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 116.93 517.25 Td ($5.8 billion) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 163.04 517.25 Td ( in total revenue, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 232.74 517.25 Td ($1.8 billion) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 278.85 517.25 Td ( in operating income and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.77 517.25 Td ($1.6 billion) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 426.88 517.25 Td ( of net cash provided by ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 505.25 Td (operating activities from continuing operations. Processing and services revenue, which in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 414.07 505.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 434.07 505.25 Td ( represented ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 485.15 505.25 Td (85%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 503.48 505.25 Td ( of our total ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 493.25 Td (revenue, is primarily generated from account- and transaction-based fees under contracts that generally have terms of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 521.74 493.25 Td (three to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 481.25 Td (five) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 65.55 481.25 Td ( years and high renewal rates. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 460.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 460.25 Td (e have grown our business by developing highly specialized product and service enhancements, extending our capabilities ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 448.25 Td (through innovation, welcoming new clients, selling additional products and services to existing clients, and acquiring ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 436.25 Td (businesses that complement ours, all of which have enabled us to deliver a wide range of integrated products and services and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 424.25 Td (have created new opportunities for growth.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 403.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 403.25 Td (e originally incorporated in Delaware in 1984 and reincorporated as a ) Tj ET Q q 0 0 0 rg BT 339.18 403.25 Td (W) Tj ET Q q 0 0 0 rg BT 348.22 403.25 Td (isconsin corporation in 1992. Our headquarters are ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 391.25 Td (located at 255 Fiserv Drive, Brookfield, ) Tj ET Q q 0 0 0 rg BT 212.00 391.25 Td (W) Tj ET Q q 0 0 0 rg BT 221.04 391.25 Td (isconsin 53045, and our telephone number is \(262\)879-5000.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 370.25 Td (On January 16, 2019, we announced that we had entered into a definitive mer) Tj ET Q q 0 0 0 rg BT 360.00 370.25 Td (ger agreement to acquire First Data in an all-stock ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 358.25 Td (transaction for an equity value of approximately $22 billion as of the announcement. ) Tj ET Q q 0 0 0 rg BT 390.83 358.25 Td (The transaction is expected to close during ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 346.25 Td (the second half of 2019, subject to customary closing conditions, regulatory approvals and shareholder approval for both ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 334.25 Td (companies. First Data is a global leader in commerce-enabling technology and solutions for merchants, financial institutions, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 322.25 Td (and card issuers.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 301.25 Td (Our operations are reported in the Payments and Industry Products \(Payments\) and Financial Institution Services ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 289.25 Td (\(Financial\) business segments. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 268.25 Td (Payments) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 247.25 Td (The businesses in our Payments segment provide financial institutions and other companies with the products and services ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 235.25 Td (required to process electronic payment transactions and to of) Tj ET Q q 0 0 0 rg BT 293.07 235.25 Td (fer their customers access to financial services and transaction ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 223.25 Td (capability through digital channels. Financial institutions and other companies have increasingly relied on third-party providers ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 211.25 Td (for those products and services, either on a licensed software or outsourced basis. ) Tj ET Q q 0 0 0 rg BT 377.77 211.25 Td (This is driven by the increasing number of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 199.25 Td (payment transactions being completed electronically as our clients) Tj ET Q q 0 0 0 rg BT 318.33 199.25 Td ( customers seek the convenience of 24-hour digital access to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 187.25 Td (their financial accounts. ) Tj ET Q q 0 0 0 rg BT 148.11 187.25 Td (W) Tj ET Q q 0 0 0 rg BT 157.15 187.25 Td (ithin the Payments segment, we primarily provide electronic bill payment and presentment services, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 175.25 Td (internet and mobile banking software and services, account-to-account transfers, person-to-person payment services, debit and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 163.25 Td (credit card processing and services, payments infrastructure services, and other electronic payments software and services. Our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 151.25 Td (businesses in this segment also provide card and print personalization services, investment account processing services for ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 139.25 Td (separately managed accounts, and fraud and risk management products and services. Our products and services in the Payments ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 127.25 Td (segment include: ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 106.25 Td (Electr) Tj ET Q q 0 0 0 rg BT 74.06 106.25 Td (onic Payments) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 85.25 Td (Our electronic payments business is comprised of electronic bill payment and presentment services and other electronic ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 73.25 Td (payment services for businesses and consumers, such as person-to-person payments, account-to-account transfers, account ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 61.25 Td (opening and funding, and small business invoicing and payments. Our principal electronic bill payment and presentment ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 49.25 Td (product, CheckFree) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 128.86 53.78 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 133.80 49.25 Td ( RXP) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 155.75 53.78 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 160.69 49.25 Td (, allows our clients) Tj ET Q q 0 0 0 rg BT 238.82 49.25 Td ( customers: to manage household bills via an easy-to-use, online tool; to view ) Tj ET Q endstream endobj 11 0 obj <> endobj 12 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (billing and payment information; to pay and manage all of their bills in one place; and to complete same-day or next-day bill ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (payments to a wide range of billers and others.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 709.10 Td (Our person-to-person payments services allow consumers a convenient way to send and receive money while of) Tj ET Q q 0 0 0 rg BT 498.29 709.10 Td (fering financial ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 697.10 Td (institutions the opportunity to generate new transaction-based revenue, attract new accounts and increase loyalty among ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 685.10 Td (existing customers. More than 2,500 financial institutions have agreed to of) Tj ET Q q 0 0 0 rg BT 351.97 685.10 Td (fer person-to-person payments services through ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 673.10 Td (Fiserv to their customers as of December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 231.89 673.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 251.89 673.10 Td (. In addition to Fiserv) Tj ET Q q 0 0 0 rg BT 341.05 673.10 Td (s own service, Popmoney) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 443.26 677.63 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 448.20 673.10 Td (, we partner with Early ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 661.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 661.10 Td (arning Services, LLC to of) Tj ET Q q 0 0 0 rg BT 165.38 661.10 Td (fer a turnkey implementation of its Zelle) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 327.54 665.63 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 332.48 661.10 Td ( real-time person-to-person payments service. Our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 649.10 Td (turnkey solution simplifies the implementation of Zelle by providing interface, risk management, alerting, settlement and other ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 637.10 Td (services to clients. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (Digital Channels) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 595.10 Td (Our principal digital consumer and business banking products are ) Tj ET Q q 0 0 0 rg BT 314.66 595.10 Td (Architect) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 351.87 599.63 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 358.23 595.10 Td (,) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 360.73 599.63 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 362.36 595.10 Td (Corillian Online) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 427.63 599.63 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 432.57 595.10 Td (, Corillian) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 473.12 599.63 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 478.05 595.10 Td ( Business Online, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 583.10 Td (Mobiliti) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 82.78 587.63 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 89.15 583.10 Td (, Mobiliti Business) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 165.00 587.63 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 171.37 583.10 Td (, and SecureNow) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 239.96 587.63 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 246.32 583.10 Td (. Our Corillian product suite supports multiple lines of banking businesses and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 571.10 Td (has been designed to be highly scalable to meet the evolving needs of our clients. ) Tj ET Q q 0 0 0 rg BT 377.50 571.10 Td (This structure enables our clients to deploy ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 559.10 Td (new services by adding and integrating applications, such as electronic bill payment, person-to-person payments and personal ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 547.10 Td (financial management tools, to any internet connected point-of-presence. Our Mobiliti product suite provides a variety of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 535.10 Td (mobile banking and payments services to our clients and their customers via mobile browser) Tj ET Q q 0 0 0 rg BT 419.79 535.10 Td (, downloadable application for ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 523.10 Td (smartphones and tablets, text message, and ) Tj ET Q q 0 0 0 rg BT 223.85 523.10 Td (Amazon) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 257.72 527.63 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 262.66 523.10 Td ( Echo ) Tj ET Q q 0 0 0 rg BT 287.66 523.10 Td (Alexa voice banking. ) Tj ET Q q 0 0 0 rg BT 375.23 523.10 Td (W) Tj ET Q q 0 0 0 rg BT 383.86 523.10 Td (e also provide the advanced capabilities of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 511.10 Td (Corillian Online and Mobiliti as an outsourced service, known as Corillian Online ) Tj ET Q q 0 0 0 rg BT 380.22 511.10 Td (ASP) Tj ET Q q 0 0 0 rg BT 398.19 511.10 Td ( and Mobiliti ) Tj ET Q q 0 0 0 rg BT 452.36 511.10 Td (ASP) Tj ET Q q 0 0 0 rg BT 469.60 511.10 Td (. Our ) Tj ET Q q 0 0 0 rg BT 492.10 511.10 Td (Architect ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 499.10 Td (product suite supports online, mobile and tablet banking for retail and small business customers on a single platform. Each of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 487.10 Td (these suites enables customers to complete balance inquiries, view their transaction history) Tj ET Q q 0 0 0 rg BT 412.58 487.10 Td (, make bill payments, and transfer ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 475.10 Td (funds between accounts and other people. ) Tj ET Q q 0 0 0 rg BT 219.11 475.10 Td (As of December 31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 302.14 475.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 322.14 475.10 Td (, we had approximately 2,300 Mobiliti ) Tj ET Q q 0 0 0 rg BT 478.23 475.10 Td (ASP) Tj ET Q q 0 0 0 rg BT 496.20 475.10 Td ( clients. Our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 463.10 Td (SecureNow product delivers real-time cybersecurity defense capability designed specifically for digital financial services and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 451.10 Td (integrates industry-leading controls into a single platform, and is pre-integrated with key Fiserv digital assets, including ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 439.10 Td (Corillian Online, ) Tj ET Q q 0 0 0 rg BT 119.72 439.10 Td (Architect and other Fiserv platforms for rapid deployment.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (Biller Solutions) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 397.10 Td (Our biller business provides electronic billing and payment services to companies that deliver bills to their customer base, such ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 385.10 Td (as utilities, telephone and cable companies, lending institutions, and insurance providers, enabling our biller clients to reduce ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 373.10 Td (costs, collect payments faster through multiple channels, increase customer satisfaction, and provide customers flexible, easy-) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 361.10 Td (to-use ways to view and pay their bills. Our clients) Tj ET Q q 0 0 0 rg BT 255.88 361.10 Td ( customers access our electronic billing and payment systems by viewing or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 349.10 Td (paying a bill through a financial institution) Tj ET Q q 0 0 0 rg BT 223.86 349.10 Td (s bill payment application, using a biller) Tj ET Q q 0 0 0 rg BT 385.03 349.10 Td () Tj ET Q q 0 0 0 rg BT 387.81 349.10 Td (s website, mobile application, automated ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 337.10 Td (phone system or customer service representative, leveraging www) Tj ET Q q 0 0 0 rg BT 314.81 337.10 Td (.mycheckfree.com, or by paying in person at one of more ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 325.10 Td (than 29,000 nationwide walk-in payment locations operated by our agents. ) Tj ET Q q 0 0 0 rg BT 350.85 325.10 Td (These diverse options allow our clients) Tj ET Q q 0 0 0 rg BT 509.79 325.10 Td ( customers ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 313.10 Td (to view and pay bills wherever) Tj ET Q q 0 0 0 rg BT 172.62 313.10 Td (, whenever and however they feel most comfortable. Furthermore, because our biller clients are ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 301.10 Td (able to receive all of these services from us, we can eliminate the operational complexity and expense of supporting multiple ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 289.10 Td (vendor systems or in-house developed systems.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (Enterprise Payments Solutions) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 247.10 Td (Our enterprise payments business provides financial institutions with the infrastructure they need to process non-card-based ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 235.10 Td (electronic payments, including ) Tj ET Q q 0 0 0 rg BT 174.97 235.10 Td (ACH, wire and instant payments, and to manage associated information flows. Clients may use ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 223.10 Td (the Dovetail payment platform applications on a licensed or hosted basis, and as an add-on to existing legacy technology or as a ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 211.10 Td (stand-alone comprehensive modern payments platform.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (Car) Tj ET Q q 0 0 0 rg BT 65.19 190.10 Td (d Services) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 169.10 Td (Our card services business is a leader in electronic funds transfer services and provides a total payments solution through a ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 157.10 Td (variety of products and services. ) Tj ET Q q 0 0 0 rg BT 182.00 157.10 Td (W) Tj ET Q q 0 0 0 rg BT 190.63 157.10 Td (e provide thousands of financial institution clients with a full range of credit and debit ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 145.10 Td (processing services, including: ) Tj ET Q q 0 0 0 rg BT 174.98 145.10 Td (A) Tj ET Q q 0 0 0 rg BT 181.09 145.10 Td (TM monitoring, tokenization, loyalty and reward programs, real-time person-to-person ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 133.10 Td (payments, customized authorization processing, gateway processing to payment settlement for networks, and risk management ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 121.10 Td (products. ) Tj ET Q q 0 0 0 rg BT 89.26 121.10 Td (W) Tj ET Q q 0 0 0 rg BT 97.90 121.10 Td (e own and operate the ) Tj ET Q q 0 0 0 rg BT 187.58 121.10 Td (Accel) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 210.90 125.63 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 215.84 121.10 Td ( network, which serves more than 3,000 financial institutions with funds access at ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 109.10 Td (over 500,000 ) Tj ET Q q 0 0 0 rg BT 104.72 109.10 Td (A) Tj ET Q q 0 0 0 rg BT 110.83 109.10 Td (TMs and which incorporates CardFree Cash) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 287.73 113.63 Td (SM) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 297.12 109.10 Td ( access as well as EMV) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 391.26 113.63 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 397.63 109.10 Td ( chip and traditional magnetic stripe ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 97.10 Td (cards. Our ) Tj ET Q q 0 0 0 rg BT 93.60 97.10 Td (Accel network point of sale support delivers comprehensive coverage of PIN and signature authentication support at ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 85.10 Td (physical and electronic commerce merchants across the country) Tj ET Q q 0 0 0 rg BT 304.52 85.10 Td (. Our digital enablement capability provides our clients) Tj ET Q q 0 0 0 rg BT 527.60 85.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 73.10 Td (customers with mobile-based, customizable card management and alert tools that drive engagement and revenue for card ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 61.10 Td (issuers, and our risk management tools and portfolio management services are integrated with real-time fraud decisioning. On ) Tj ET Q endstream endobj 13 0 obj <> endobj 14 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (October 31, 2018, we acquired the debit card processing, ) Tj ET Q q 0 0 0 rg BT 279.93 742.10 Td (A) Tj ET Q q 0 0 0 rg BT 286.04 742.10 Td (TM Managed Services, and MoneyPass) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 445.18 746.63 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 450.11 742.10 Td ( surchar) Tj ET Q q 0 0 0 rg BT 481.86 742.10 Td (ge-free network of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (Elan Financial Services, a unit of U.S. Bancorp, enabling access to over 52,000 surchar) Tj ET Q q 0 0 0 rg BT 399.17 730.10 Td (ge-free ) Tj ET Q q 0 0 0 rg BT 429.42 730.10 Td (A) Tj ET Q q 0 0 0 rg BT 435.53 730.10 Td (TMs.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 709.10 Td (Output Solutions) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 688.10 Td (Our output solutions business provides business communication products and services to clients across a wide variety of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 676.10 Td (industries, including financial services, healthcare, retail, utilities, and travel and entertainment. Our products and services ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (include: electronic document management through our electronic document delivery products and services; card ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (manufacturing, personalization and mailing; statement production and mailing; design and fulfillment of direct mail services; ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (forms distribution; laser printing and mailing; branded merchandise; and of) Tj ET Q q 0 0 0 rg BT 351.14 640.10 Td (fice supplies.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 619.10 Td (Investment Services) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (Our investment services business provides financial planning, portfolio management and trading, model management, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (performance measurement, and reporting products and services to financial service or) Tj ET Q q 0 0 0 rg BT 392.73 586.10 Td (ganizations, including broker dealers, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (registered investment advisors, banks, asset managers and insurance companies that deliver financial advice and managed ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (account products to U.S. retail investors. Our investment services business also supports global institutional asset managers and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (asset servicers with portfolio accounting, performance analytics, fee billing and revenue management, and post-trade ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (processing technology) Tj ET Q q 0 0 0 rg BT 139.05 538.10 Td (. Our primary product, the Unified ) Tj ET Q q 0 0 0 rg BT 279.39 538.10 Td (W) Tj ET Q q 0 0 0 rg BT 288.03 538.10 Td (ealth Platform, is a real-time portfolio management, trading and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (reporting system used by some of the lar) Tj ET Q q 0 0 0 rg BT 212.29 526.10 Td (gest brokerage firms and asset managers in the U.S. of) Tj ET Q q 0 0 0 rg BT 430.10 526.10 Td (fering managed accounts.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 505.10 Td (Risk Management and Other Solutions) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 484.10 Td (Our risk management business provides financial and risk management products and services that deliver operating ef) Tj ET Q q 0 0 0 rg BT 522.17 484.10 Td (ficiencies ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 472.10 Td (and management insight that enable our clients to protect and grow their businesses. Our enterprise performance management ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 460.10 Td (and financial control of) Tj ET Q q 0 0 0 rg BT 143.39 460.10 Td (ferings include budgeting and planning, financial accounting, and automated reconciliation and account ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 448.10 Td (certification tools to facilitate a robust assessment environment and ef) Tj ET Q q 0 0 0 rg BT 329.45 448.10 Td (ficient close process for our clients. ) Tj ET Q q 0 0 0 rg BT 473.95 448.10 Td (These solutions are ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 436.10 Td (further complemented by fraud detection and mitigation through our predictive analytics service, Fraud Risk and ) Tj ET Q q 0 0 0 rg BT 503.20 436.10 Td (Anti-Money ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 424.10 Td (Laundering Compliance Management, as well as our SmarterPay) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 310.48 428.63 Td (TM) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 320.23 424.10 Td ( deposit risk product.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 403.10 Td (Financial) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (The businesses in our Financial segment provide financial institutions with the products and services they need to run their ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (operations. By licensing software from third parties or outsourcing their processing requirements by contracting with third-) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (party processors, financial institutions are typically able to reduce costs and enhance their products, services, capacity and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (capabilities. For example, the licensing of software reduces the need for costly technical expertise within a financial institution, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (and outsourcing processing operations reduces the infrastructure and other costs required to operate systems internally) Tj ET Q q 0 0 0 rg BT 522.54 334.10 Td (. ) Tj ET Q q 0 0 0 rg BT 527.36 334.10 Td (W) Tj ET Q q 0 0 0 rg BT 536.40 334.10 Td (ithin ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (the Financial segment, we provide financial institutions with account processing services, item processing and source capture ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (services, loan origination and servicing products, cash management and consulting services, and other products and services ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (that support numerous types of financial transactions. Many of the products and services that we sell are integrated with ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (solutions from our Payments segment such as electronic bill payment and presentment, internet and mobile banking, debit ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (processing and network services, and person-to-person payments. Our products and services in the Financial segment include:) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 253.10 Td (Account Pr) Tj ET Q q 0 0 0 rg BT 94.89 253.10 Td (ocessing) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 232.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 232.10 Td (e provide account servicing and management technology products and services to our depository institution clients, as well as ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (a range of integrated, value-added banking products and services. ) Tj ET Q q 0 0 0 rg BT 314.07 220.10 Td (Account processing solutions are the principal systems that ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 208.10 Td (enable a financial institution to operate systems that process customer deposit and loan accounts, an institution) Tj ET Q q 0 0 0 rg BT 494.89 208.10 Td (s general ledger) Tj ET Q q 0 0 0 rg BT 557.79 208.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 196.10 Td (central information files and other financial information. ) Tj ET Q q 0 0 0 rg BT 278.63 196.10 Td (These solutions also include extensive security) Tj ET Q q 0 0 0 rg BT 465.43 196.10 Td (, report generation and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 184.10 Td (other features that financial institutions need to process transactions for their customers, as well as to comply with applicable ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 172.10 Td (regulations. ) Tj ET Q q 0 0 0 rg BT 98.88 172.10 Td (Although many of our clients contract to obtain a majority of their processing requirements from us, our software ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 160.10 Td (design allows clients to start with one application and, as needed, add applications and features developed by us or by third ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 148.10 Td (parties. ) Tj ET Q q 0 0 0 rg BT 81.47 148.10 Td (W) Tj ET Q q 0 0 0 rg BT 90.11 148.10 Td (e support a broad range of client-owned peripheral devices manufactured by a variety of vendors, which reduces a ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 136.10 Td (new client) Tj ET Q q 0 0 0 rg BT 94.15 136.10 Td (s initial conversion expenses, enhances existing clients) Tj ET Q q 0 0 0 rg BT 315.85 136.10 Td ( ability to change technology and broadens our market ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 124.10 Td (opportunity) Tj ET Q q 0 0 0 rg BT 96.02 124.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 103.10 Td (The principal account processing solutions used by our bank clients are Cleartouch) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 381.85 107.63 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 386.79 103.10 Td (, DNA) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 413.45 107.63 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 418.39 103.10 Td (, Precision) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 460.61 107.63 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 465.54 103.10 Td (, Premier) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 502.20 107.63 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 507.14 103.10 Td (, Signature) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 550.46 107.63 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 555.40 103.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 91.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.76 91.10 Td (T) Tj ET Q q 0 0 0 rg BT 72.17 91.10 Td (otalPlus) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 104.39 95.63 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 109.33 91.10 Td (. ) Tj ET Q q 0 0 0 rg BT 114.15 91.10 Td (The principal account processing solutions primarily used by our credit union clients are Charlotte) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 507.66 95.63 Td (SM) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 517.05 91.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 79.10 Td (CubicsPlus) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 95.01 83.63 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 99.95 79.10 Td (, CUnify) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 134.95 83.63 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 141.32 79.10 Td (, CUSA) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 172.99 83.63 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 177.93 79.10 Td (, DataSafe) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 219.57 83.63 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 224.51 79.10 Td (, DNA, Galaxy) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 285.05 83.63 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 289.99 79.10 Td (, OnCU) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 321.10 83.63 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 326.04 79.10 Td (, Portico) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 359.93 83.63 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 364.87 79.10 Td (, Spectrum) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 408.19 83.63 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 413.13 79.10 Td ( and XP2) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 450.35 83.63 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 455.29 79.10 Td (. ) Tj ET Q q 0 0 0 rg BT 460.11 79.10 Td (The Signature and DNA) Tj ET Q q 0 0 0 rg BT 557.03 79.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 67.10 Td (systems are available both domestically and internationally) Tj ET Q q 0 0 0 rg BT 285.95 67.10 Td (. In addition, we of) Tj ET Q q 0 0 0 rg BT 361.86 67.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 374.91 67.10 Td (Agiliti) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 401.02 71.63 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 409.01 67.10 Td (as a software-as-a-service solution to ) Tj ET Q endstream endobj 15 0 obj <> endobj 16 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (the U.K. financial institutions. ) Tj ET Q q 0 0 0 rg BT 173.04 742.10 Td (Account processing solutions are generally of) Tj ET Q q 0 0 0 rg BT 355.86 742.10 Td (fered as an outsourced service or as licensed ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (software for installation on client-owned or -hosted computer systems.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 709.10 Td (Item Pr) Tj ET Q q 0 0 0 rg BT 79.90 709.10 Td (ocessing) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 688.10 Td (Our item processing business of) Tj ET Q q 0 0 0 rg BT 178.13 688.10 Td (fers products and services to financial institutions. ) Tj ET Q q 0 0 0 rg BT 381.24 688.10 Td (Through the Fiserv) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 457.90 692.63 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 462.83 688.10 Td ( Clearing Network, we ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 676.10 Td (provide check clearing and image exchange services. Other products and services include image archive with online retrieval, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (in-clearings, exceptions and returns, statements and fraud detection. ) Tj ET Q q 0 0 0 rg BT 323.89 664.10 Td (W) Tj ET Q q 0 0 0 rg BT 332.53 664.10 Td (e also provide consulting services, business operations ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (services and related software products that promote change in deposit behavior to transition check capture from branch and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (teller channels to digital self-service deposit channels, including mobile, merchant and ) Tj ET Q q 0 0 0 rg BT 397.95 640.10 Td (A) Tj ET Q q 0 0 0 rg BT 404.06 640.10 Td (TM.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 619.10 Td (Lending and Other Solutions) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (In March 2018, we sold a 55% interest of our Lending Solutions business, retaining 45% ownership interests in two joint ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (ventures, which include automotive loan origination and servicing products, as well as the LoanServ mortgage and consumer ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (loan servicing platform. Other businesses in this segment provide products and services for ) Tj ET Q q 0 0 0 rg BT 416.59 574.10 Td (ACH and treasury management, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (case management and resolution, and source capture optimization to the financial services industry) Tj ET Q q 0 0 0 rg BT 445.05 562.10 Td (. Our of) Tj ET Q q 0 0 0 rg BT 476.25 562.10 Td (ferings include ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (Immediate Funds) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 119.71 554.63 Td (SM) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 129.10 550.10 Td (, PEP+) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 156.98 554.63 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 161.91 550.10 Td (, and our remote deposit capture solutions branded as Source Capture Solutions) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 479.62 554.63 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 484.56 550.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 529.10 Td (Our) Tj ET Q q 0 0 0 rg BT 67.60 529.10 Td ( Strategy) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 508.10 Td (Our aspiration is to move money and information in a way that moves the world. Our purpose is to deliver superior value for ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 496.10 Td (our clients through leading technology) Tj ET Q q 0 0 0 rg BT 203.76 496.10 Td (, tar) Tj ET Q q 0 0 0 rg BT 219.13 496.10 Td (geted innovation and excellence in everything we do. ) Tj ET Q q 0 0 0 rg BT 434.70 496.10 Td (W) Tj ET Q q 0 0 0 rg BT 443.34 496.10 Td (e are focused on operating ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 484.10 Td (businesses where we have: deep industry expertise that enables us to serve the market with high ef) Tj ET Q q 0 0 0 rg BT 443.59 484.10 Td (fectiveness; a strong ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 472.10 Td (competitive position, currently or via a clear path in the foreseeable future; long-term, trusted client relationships that are based ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 460.10 Td (on recurring services and transactions; dif) Tj ET Q q 0 0 0 rg BT 217.26 460.10 Td (ferentiated solutions that deliver value to our clients through integration and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 448.10 Td (innovation; and strong management to execute strategies in a disciplined manner) Tj ET Q q 0 0 0 rg BT 372.69 448.10 Td (. Consistent with this focus, we continue to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 436.10 Td (operate our business in accordance with the following strategic framework:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 415.10 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 86.00 415.10 Td (Portfolio Management) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 176.82 415.10 Td (. ) Tj ET Q q 0 0 0 rg BT 181.64 415.10 Td (W) Tj ET Q q 0 0 0 rg BT 190.28 415.10 Td (e expect to acquire businesses when we identify: a compelling strategic need, such as a ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 403.10 Td (product, service or technology that helps meet client demand; an opportunity to change industry dynamics; a way to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 391.10 Td (achieve business scale; or similar considerations. ) Tj ET Q q 0 0 0 rg BT 284.37 391.10 Td (W) Tj ET Q q 0 0 0 rg BT 293.01 391.10 Td (e expect to divest businesses that are not in line with our market, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 379.10 Td (product or financial strategies.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 68.00 358.10 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 86.00 358.10 Td (Client Relationship V) Tj ET Q q 0 0 0 rg BT 171.00 358.10 Td (alue) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 188.21 358.10 Td (. ) Tj ET Q q 0 0 0 rg BT 193.03 358.10 Td (W) Tj ET Q q 0 0 0 rg BT 201.67 358.10 Td (e plan to increase the number and breadth of our client relationships by) Tj ET Q q 0 0 0 rg BT 485.37 358.10 Td (, among other ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 346.10 Td (actions: continuing to integrate our products and services; introducing new products and services that are aligned with ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 334.10 Td (market needs; combining products and services to deliver enhanced, integrated value propositions; and improving the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 322.10 Td (quality of our client service and support.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 301.10 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 86.00 301.10 Td (Operational Effectiveness) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 189.58 301.10 Td (. ) Tj ET Q q 0 0 0 rg BT 194.40 301.10 Td (W) Tj ET Q q 0 0 0 rg BT 203.04 301.10 Td (e believe we can improve the quality of our client delivery while reducing our costs by ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 289.10 Td (using the opportunities created by our size and scale. For example, we are using our consolidated buying power and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 277.10 Td (optimizing our facilities to create cost savings.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 256.10 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 86.00 256.10 Td (Capital Discipline) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 159.61 256.10 Td (. ) Tj ET Q q 0 0 0 rg BT 164.43 256.10 Td (W) Tj ET Q q 0 0 0 rg BT 173.07 256.10 Td (e intend to make capital allocation decisions that of) Tj ET Q q 0 0 0 rg BT 378.37 256.10 Td (fer the best prospects for our long-term ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 244.10 Td (growth and profitability) Tj ET Q q 0 0 0 rg BT 180.89 244.10 Td (, which may include, among other matters, internal investment, repayment of debt, repurchases ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 232.10 Td (of our own shares or acquisitions.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 211.10 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 86.00 211.10 Td (Innovation) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 129.33 211.10 Td (. ) Tj ET Q q 0 0 0 rg BT 134.14 211.10 Td (W) Tj ET Q q 0 0 0 rg BT 142.78 211.10 Td (e seek to be an innovation leader) Tj ET Q q 0 0 0 rg BT 273.44 211.10 Td (, utilizing our assets and capabilities to be at the forefront of our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 199.10 Td (industry and enable our clients to deliver best-in-class results.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (Servicing the Market) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 157.10 Td (The markets for our account and transaction processing services have specific needs and requirements, with strong emphasis ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 145.10 Td (placed by clients on quality) Tj ET Q q 0 0 0 rg BT 159.32 145.10 Td (, security) Tj ET Q q 0 0 0 rg BT 195.33 145.10 Td (, integration with other product lines, service reliability) Tj ET Q q 0 0 0 rg BT 415.45 145.10 Td (, timely introduction of new ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 133.10 Td (products and features, flexibility and value. ) Tj ET Q q 0 0 0 rg BT 225.87 133.10 Td (W) Tj ET Q q 0 0 0 rg BT 234.51 133.10 Td (e believe that our financial strength and primary focus on the financial services ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 121.10 Td (industry enhances our ability to meet these needs and service our clients. In addition, we believe that our dedication to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 109.10 Td (providing excellent client service and support no matter the size of the client and our commitment of substantial resources to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 97.10 Td (training and technical support helps us to identify and fulfill the needs of our clients.) Tj ET Q endstream endobj 17 0 obj <> endobj 18 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Pr) Tj ET Q q 0 0 0 rg BT 60.37 742.25 Td (oduct Development) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 721.25 Td (o meet the changing technology needs of our clients, we continually develop, maintain and enhance our products and systems. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 709.25 Td (Our development and technology centers apply the expertise of multiple teams to design, develop and maintain specialized ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 697.25 Td (processing systems. Our account processing systems are designed to meet the preferences and diverse requirements of the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 685.25 Td (international, national, regional or local market-specific financial service environments of our clients. In developing our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 673.25 Td (products, we use current software development principles, such as service-oriented architecture, to create ef) Tj ET Q q 0 0 0 rg BT 480.74 673.25 Td (ficiencies, and we ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 661.25 Td (stress interaction with and responsiveness to the needs of our clients.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.25 Td (Intellectual Pr) Tj ET Q q 0 0 0 rg BT 111.19 640.25 Td (operty) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 619.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 619.25 Td (e regard our software, transaction processing services and related products as proprietary) Tj ET Q q 0 0 0 rg BT 413.40 619.25 Td (, and we utilize a combination of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 607.25 Td (patent, copyright, trademark and trade secret laws, internal security practices, and employee and third party non-disclosure ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 595.25 Td (agreements to protect our intellectual property assets. Our patents cover innovations relating to numerous financial software ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 583.25 Td (products and services, and we continue, where appropriate, to seek and secure patents with respect to our ongoing innovations. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 571.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 571.25 Td (e believe that we possess all proprietary rights necessary to conduct our business.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.25 Td (Competition) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 529.25 Td (The market for technology products and services in the financial industry is highly competitive. Our principal competitors ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 517.25 Td (include other vendors of financial services technology) Tj ET Q q 0 0 0 rg BT 265.94 517.25 Td (, data processing af) Tj ET Q q 0 0 0 rg BT 342.95 517.25 Td (filiates of lar) Tj ET Q q 0 0 0 rg BT 393.86 517.25 Td (ge companies, and processing centers ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 505.25 Td (owned and operated as user cooperatives. Outside the U.S., our primary competitors include global and local IT) Tj ET Q q 0 0 0 rg BT 496.91 505.25 Td ( product and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 493.25 Td (services companies, as well as payment service providers and processors. ) Tj ET Q q 0 0 0 rg BT 345.83 493.25 Td (W) Tj ET Q q 0 0 0 rg BT 354.47 493.25 Td (e expect competition to continue to increase as new ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 481.25 Td (companies enter our markets and existing competitors expand their product lines and services. Some of these competitors ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 469.25 Td (possess substantially greater financial, sales and marketing resources than we do and have substantial flexibility in competing ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 457.25 Td (with us, including through the use of integrated product of) Tj ET Q q 0 0 0 rg BT 283.11 457.25 Td (ferings and through pricing. Competitive factors for our business ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 445.25 Td (include product quality) Tj ET Q q 0 0 0 rg BT 142.10 445.25 Td (, security) Tj ET Q q 0 0 0 rg BT 178.11 445.25 Td (, integration with other product lines, service reliability) Tj ET Q q 0 0 0 rg BT 398.23 445.25 Td (, timely introduction of new products ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 433.25 Td (and features, flexibility and value. ) Tj ET Q q 0 0 0 rg BT 188.94 433.25 Td (W) Tj ET Q q 0 0 0 rg BT 197.57 433.25 Td (e believe that we compete favorably in each of these categories. ) Tj ET Q q 0 0 0 rg BT 454.68 433.25 Td (Additional information ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 421.25 Td (about competition in our segments is provided below) Tj ET Q q 0 0 0 rg BT 261.82 421.25 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 400.25 Td (Payments) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 379.25 Td (The businesses in our Payments segment compete with a number of competitors, including ) Tj ET Q q 0 0 0 rg BT 415.49 379.25 Td (ACI ) Tj ET Q q 0 0 0 rg BT 435.03 379.25 Td (W) Tj ET Q q 0 0 0 rg BT 443.67 379.25 Td (orldwide, Inc., Fidelity ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 367.25 Td (National Information Services, Inc. \(FIS\), First Data Corporation, Jack Henry and ) Tj ET Q q 0 0 0 rg BT 388.52 367.25 Td (Associates Inc. \(Jack Henry\), KUBRA) Tj ET Q q 0 0 0 rg BT 551.81 367.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 355.25 Td (Data ) Tj ET Q q 0 0 0 rg BT 71.20 355.25 Td (T) Tj ET Q q 0 0 0 rg BT 76.95 355.25 Td (ransfer) Tj ET Q q 0 0 0 rg BT 104.31 355.25 Td (, Ltd., MasterCard Incorporated, NCR Corporation, Paymentech, LLC, Paymentus Corporation, PayPal Holdings, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 343.25 Td (Inc., Q2 Holdings, Inc., R.R. Donnelley & Sons Company) Tj ET Q q 0 0 0 rg BT 282.39 343.25 Td (, ) Tj ET Q q 0 0 0 rg BT 287.21 343.25 Td (T) Tj ET Q q 0 0 0 rg BT 292.62 343.25 Td (otal System Services, Inc., ) Tj ET Q q 0 0 0 rg BT 401.03 343.25 Td (V) Tj ET Q q 0 0 0 rg BT 407.65 343.25 Td (isa Inc., ) Tj ET Q q 0 0 0 rg BT 441.35 343.25 Td (The ) Tj ET Q q 0 0 0 rg BT 459.21 343.25 Td (W) Tj ET Q q 0 0 0 rg BT 467.85 343.25 Td (estern Union Company ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 331.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.76 331.25 Td (W) Tj ET Q q 0 0 0 rg BT 75.40 331.25 Td (orldpay) Tj ET Q q 0 0 0 rg BT 105.29 331.25 Td (, Inc. In addition to traditional payments competitors, lar) Tj ET Q q 0 0 0 rg BT 331.45 331.25 Td (ge technology) Tj ET Q q 0 0 0 rg BT 387.17 331.25 Td (, media and other providers are ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 319.25 Td (increasingly seeking to provide or facilitate a wide range of point of sale and non-point of sale payments. ) Tj ET Q q 0 0 0 rg BT 472.74 319.25 Td (These newer ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 307.25 Td (competitors include, but are not limited to, ) Tj ET Q q 0 0 0 rg BT 222.47 307.25 Td (Alphabet Inc., ) Tj ET Q q 0 0 0 rg BT 281.34 307.25 Td (Amazon.com, Inc., ) Tj ET Q q 0 0 0 rg BT 359.65 307.25 Td (Apple Inc., Facebook, Inc., Intuit Inc., Samsung ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 295.25 Td (Group, Starbucks Corporation and ) Tj ET Q q 0 0 0 rg BT 190.07 295.25 Td (W) Tj ET Q q 0 0 0 rg BT 198.71 295.25 Td (al-Mart Stores, Inc. Existing and potential financial institution and biller clients could also ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 283.25 Td (develop and use their own in-house systems instead of our products and services. In addition, many companies that provide ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 271.25 Td (solutions to the financial services industry are consolidating, creating lar) Tj ET Q q 0 0 0 rg BT 339.74 271.25 Td (ger competitors with greater resources and broader ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 259.25 Td (product lines.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 238.25 Td (Financial) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 217.25 Td (Our products and services in the Financial segment compete in several dif) Tj ET Q q 0 0 0 rg BT 345.56 217.25 Td (ferent market segments and geographies, including ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 205.25 Td (with lar) Tj ET Q q 0 0 0 rg BT 80.64 205.25 Td (ge, diversified software and service companies and independent suppliers of software products. Existing and potential ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 193.25 Td (financial institution clients could also develop and use their own in-house systems. In addition, we compete with vendors that ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 181.25 Td (of) Tj ET Q q 0 0 0 rg BT 58.15 181.25 Td (fer similar transaction processing products and services to financial institutions, including Black Knight Financial ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 169.25 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 169.25 Td (echnology Solutions LLC, Computer Services, Inc., Finastra Limited, FIS, Infosys Ltd., International Business Machines ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 157.25 Td (Corporation, Jack Henry) Tj ET Q q 0 0 0 rg BT 147.93 157.25 Td (, Oracle Corporation, SAP) Tj ET Q q 0 0 0 rg BT 253.38 157.25 Td ( SE and ) Tj ET Q q 0 0 0 rg BT 286.81 157.25 Td (T) Tj ET Q q 0 0 0 rg BT 292.22 157.25 Td (emenos Group ) Tj ET Q q 0 0 0 rg BT 352.76 157.25 Td (AG.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.25 Td (Government Regulation) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 115.25 Td (The regulations that apply to the delivery of financial services are complex and evolve continuously) Tj ET Q q 0 0 0 rg BT 449.22 115.25 Td (. Except with respect to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 103.25 Td (certain products and services, Fiserv and its subsidiaries are generally not directly subject to federal or state regulations ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 91.25 Td (applicable to financial institutions such as banks and credit unions. However) Tj ET Q q 0 0 0 rg BT 355.91 91.25 Td (, as a provider of services to these financial ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 79.25 Td (institutions, our operations are examined on a regular basis by various state and federal regulatory authorities and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 67.25 Td (representatives of the Federal Financial Institutions Examination Council, which is a formal interagency body empowered to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 55.25 Td (prescribe uniform principles, standards and report forms for the federal examination of financial institutions and to make ) Tj ET Q endstream endobj 19 0 obj <> endobj 20 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (recommendations to promote uniformity in the supervision of financial institutions. ) Tj ET Q q 0 0 0 rg BT 385.78 742.10 Td (Also, state and federal regulations may ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (require our financial institution clients to include certain provisions in their contracts with service providers like us, such as ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (those related to security and privacy) Tj ET Q q 0 0 0 rg BT 194.02 718.10 Td (, and to conduct ongoing monitoring and risk management for third party relationships. In ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (addition, independent auditors annually review many of our operations to provide internal control evaluations for our clients ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (and their auditors.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 673.10 Td (In conducting our direct-to-consumer businesses, including our walk-in bill payment, online bill payment, digital ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 661.10 Td (disbursements, and Popmoney person-to-person payment services, we are directly subject to various federal and state laws, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 649.10 Td (rules and regulations including those relating to the movement of money) Tj ET Q q 0 0 0 rg BT 339.84 649.10 Td (. In order to comply with our obligations under ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 637.10 Td (applicable laws, we are required, among other matters, to comply with licensing and reporting requirements, to implement ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 625.10 Td (operating policies and procedures necessary to comply with anti-money laundering laws, to comply with capital requirements, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 613.10 Td (to protect the privacy and security of our clients) Tj ET Q q 0 0 0 rg BT 244.19 613.10 Td ( information, and to under) Tj ET Q q 0 0 0 rg BT 348.71 613.10 Td (go periodic audits and examinations.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (Since the enactment of the Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 209.77 592.10 Td (W) Tj ET Q q 0 0 0 rg BT 218.41 592.10 Td (all Street Reform and Consumer Protection ) Tj ET Q q 0 0 0 rg BT 393.37 592.10 Td (Act \(Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 468.91 592.10 Td (Act\), there have been ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (substantial reforms to the supervision and operation of the financial services industry) Tj ET Q q 0 0 0 rg BT 389.54 580.10 Td (, including numerous new regulations that ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 568.10 Td (have imposed compliance costs and, in some cases, limited revenue sources for us and our clients. ) Tj ET Q q 0 0 0 rg BT 444.61 568.10 Td (Among other things, the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 100.83 556.10 Td (Act established the Consumer Financial Protection Bureau \(CFPB\), which is empowered to conduct rule-making ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (and supervision related to, and enforcement of, federal consumer financial protection laws. ) Tj ET Q q 0 0 0 rg BT 416.07 544.10 Td (The CFPB has issued guidance that ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (applies to, and conducts direct examinations of, supervised banks and nonbanks as well as supervised service providers ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 520.10 Td (like us. In addition, federal and state agencies have begun to propose and enact cybersecurity and privacy regulations, such as ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 508.10 Td (the Cybersecurity Requirements for Financial Services Companies issued by the New ) Tj ET Q q 0 0 0 rg BT 394.82 508.10 Td (Y) Tj ET Q q 0 0 0 rg BT 401.04 508.10 Td (ork State Department of Financial ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 496.10 Td (Services in 2017 and the California Consumer Privacy ) Tj ET Q q 0 0 0 rg BT 269.96 496.10 Td (Act passed by the California legislature in 2018. ) Tj ET Q q 0 0 0 rg BT 465.19 496.10 Td (Also, regulations ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 484.10 Td (adopted outside the U.S., such as the European Union General Data Protection Regulation which became ef) Tj ET Q q 0 0 0 rg BT 480.80 484.10 Td (fective in 2018, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 472.10 Td (impact our non-U.S. operations and to some extent our U.S. operations due to the potential extraterritorial application of these ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 460.10 Td (regulations. New regulations could, among other things, require us to make significant additional investments to comply with ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 448.10 Td (them, modify our products or services or the manner in which they are provided, or limit or change the amount or types of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 436.10 Td (revenue we are able to generate.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 415.10 Td (Employees) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 394.10 Td (e have over 24,000 employees globally) Tj ET Q q 0 0 0 rg BT 214.61 394.10 Td (, many of whom are specialists in our information management centers and related ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (product and service businesses. ) Tj ET Q q 0 0 0 rg BT 177.84 382.10 Td (This service support network includes employees with backgrounds in computer science and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (the financial industry) Tj ET Q q 0 0 0 rg BT 134.33 370.10 Td (, as well as employees with direct experience in payments, financial institutions and other financial ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (services environments. Our employees provide expertise in: programming, software development, modification and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (maintenance; computer operations, network control and technical support; client services and training; business process ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (outsourcing; item and mortgage processing; system conversions; sales and marketing; and account management.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 313.10 Td (The service nature of our business makes our employees an important corporate asset. ) Tj ET Q q 0 0 0 rg BT 396.00 313.10 Td (Although the market for qualified ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 301.10 Td (personnel is competitive, we have not experienced significant dif) Tj ET Q q 0 0 0 rg BT 310.01 301.10 Td (ficulty with hiring or retaining our staf) Tj ET Q q 0 0 0 rg BT 464.24 301.10 Td (f of top industry ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 289.10 Td (professionals. In assessing a potential acquisition candidate, we emphasize the quality and stability of the acquisition ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 277.10 Td (candidate) Tj ET Q q 0 0 0 rg BT 91.09 277.10 Td (s employees.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (A) Tj ET Q q 0 0 0 rg BT 56.48 256.10 Td (vailable Information) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 235.10 Td (Our website address is www) Tj ET Q q 0 0 0 rg BT 163.77 235.10 Td (.fiserv) Tj ET Q q 0 0 0 rg BT 188.39 235.10 Td (.com. ) Tj ET Q q 0 0 0 rg BT 212.93 235.10 Td (W) Tj ET Q q 0 0 0 rg BT 221.57 235.10 Td (e are not including the information provided on our website as a part of, or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 223.10 Td (incorporating it by reference into, this ) Tj ET Q q 0 0 0 rg BT 203.56 223.10 Td (Annual Report on Form 10-K. ) Tj ET Q q 0 0 0 rg BT 327.26 223.10 Td (W) Tj ET Q q 0 0 0 rg BT 335.90 223.10 Td (e make available free of char) Tj ET Q q 0 0 0 rg BT 451.47 223.10 Td (ge \(other than an investor) Tj ET Q q 0 0 0 rg BT 554.03 223.10 Td () Tj ET Q q 0 0 0 rg BT 556.81 223.10 Td (s ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 211.10 Td (own internet access char) Tj ET Q q 0 0 0 rg BT 147.83 211.10 Td (ges\) through our website our annual reports on Form 10-K, quarterly reports on Form 10-Q, current ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 199.10 Td (reports on Form 8-K, and amendments to these reports, as soon as reasonably practicable after we electronically file such ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 187.10 Td (material with, or furnish such material to, the Securities and Exchange Commission.) Tj ET Q endstream endobj 21 0 obj <> endobj 22 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Item1A.Risk Factors) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (Y) Tj ET Q q 0 0 0 rg BT 56.22 721.25 Td (ou should carefully consider each of the risks described below) Tj ET Q q 0 0 0 rg BT 304.66 721.25 Td (, together with all of the other information contained in this ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 709.25 Td (Annual Report on Form 10-K, before making an investment decision with respect to our securities. If any of the following risks ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 697.25 Td (develop into actual events, our business, results of operations or financial condition could be materially and adversely af) Tj ET Q q 0 0 0 rg BT 531.06 697.25 Td (fected ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 685.25 Td (and you may lose all or part of your investment.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 664.25 Td (Risks Relating to Our Existing Business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 643.25 Td (W) Tj ET Q q 0 0 0 rg BT 59.45 643.25 Td (e operate in a competitive business envir) Tj ET Q q 0 0 0 rg BT 231.47 643.25 Td (onment and may not be able to compete effectively) Tj ET Q q 0 0 0 rg BT 446.43 643.25 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td (The markets for our services are highly competitive from new and existing competitors. Our principal competitors include ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 610.25 Td (other vendors of financial services technology) Tj ET Q q 0 0 0 rg BT 234.01 610.25 Td (, data processing af) Tj ET Q q 0 0 0 rg BT 311.02 610.25 Td (filiates of lar) Tj ET Q q 0 0 0 rg BT 361.93 610.25 Td (ge companies, and processing centers owned and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td (operated as user cooperatives. Our competitors vary in size and in the scope and breadth of the services they of) Tj ET Q q 0 0 0 rg BT 493.55 598.25 Td (fer) Tj ET Q q 0 0 0 rg BT 504.10 598.25 Td (. Many of our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 586.25 Td (lar) Tj ET Q q 0 0 0 rg BT 60.37 586.25 Td (ger existing and potential clients have historically developed their key applications in-house. ) Tj ET Q q 0 0 0 rg BT 432.76 586.25 Td (As a result, we often compete ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 574.25 Td (against our existing or potential clients) Tj ET Q q 0 0 0 rg BT 207.83 574.25 Td ( in-house capabilities. ) Tj ET Q q 0 0 0 rg BT 297.63 574.25 Td (W) Tj ET Q q 0 0 0 rg BT 306.26 574.25 Td (e expect that the markets in which we compete will continue to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td (attract new well-funded competitors and new technologies, including lar) Tj ET Q q 0 0 0 rg BT 339.45 562.25 Td (ge technology) Tj ET Q q 0 0 0 rg BT 395.17 562.25 Td (, media and other companies not ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 550.25 Td (historically in the financial services industry) Tj ET Q q 0 0 0 rg BT 226.80 550.25 Td (, start-ups and international providers of similar products and services to ours. ) Tj ET Q q 0 0 0 rg BT 540.99 550.25 Td (W) Tj ET Q q 0 0 0 rg BT 549.63 550.25 Td (e ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 538.25 Td (cannot provide any assurance that we will be able to compete successfully against current or future competitors or that ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 526.25 Td (competitive pressures faced by us in the markets in which we operate will not materially and adversely af) Tj ET Q q 0 0 0 rg BT 471.62 526.25 Td (fect our business, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 514.25 Td (results of operations and financial condition.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 493.25 Td (If we fail to adapt our) Tj ET Q q 0 0 0 rg BT 142.87 493.25 Td ( pr) Tj ET Q q 0 0 0 rg BT 155.19 493.25 Td (oducts and services to changes in technology or) Tj ET Q q 0 0 0 rg BT 355.84 493.25 Td ( in the marketplace, or) Tj ET Q q 0 0 0 rg BT 452.58 493.25 Td ( if our) Tj ET Q q 0 0 0 rg BT 478.51 493.25 Td ( ongoing efforts to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 481.25 Td (upgrade our) Tj ET Q q 0 0 0 rg BT 102.88 481.25 Td ( technology ar) Tj ET Q q 0 0 0 rg BT 163.25 481.25 Td (e not successful, we could lose clients or) Tj ET Q q 0 0 0 rg BT 331.38 481.25 Td ( have tr) Tj ET Q q 0 0 0 rg BT 363.97 481.25 Td (ouble attracting new clients, and our) Tj ET Q q 0 0 0 rg BT 519.90 481.25 Td ( ability to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 469.25 Td (gr) Tj ET Q q 0 0 0 rg BT 59.26 469.25 Td (ow may be limited.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 448.25 Td (The markets for our products and services are characterized by constant technological changes, frequent introductions of new ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 436.25 Td (products and services, and increasing client expectations. Our ability to enhance our current products and services and to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 424.25 Td (develop and introduce innovative products and services that address the increasingly sophisticated needs of our clients and their ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 412.25 Td (customers will significantly af) Tj ET Q q 0 0 0 rg BT 171.18 412.25 Td (fect our future success. ) Tj ET Q q 0 0 0 rg BT 265.68 412.25 Td (W) Tj ET Q q 0 0 0 rg BT 274.32 412.25 Td (e may not be successful in developing, marketing or selling new ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 400.25 Td (products and services that meet these demands or achieve market acceptance. In addition, the success of certain of our products ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 388.25 Td (and services rely) Tj ET Q q 0 0 0 rg BT 116.54 388.25 Td (, in part, on financial institutions, billers and other third parties to promote the use of our products and services ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 376.25 Td (by their customers. If we are unsuccessful in of) Tj ET Q q 0 0 0 rg BT 238.93 376.25 Td (fering products or services that gain market acceptance, or if third parties ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 364.25 Td (insuf) Tj ET Q q 0 0 0 rg BT 69.82 364.25 Td (ficiently promote our products and services, it would likely have a material adverse ef) Tj ET Q q 0 0 0 rg BT 413.41 364.25 Td (fect on our ability to retain existing ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 352.25 Td (clients, to attract new ones and to grow profitably) Tj ET Q q 0 0 0 rg BT 247.91 352.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 331.25 Td (If we ar) Tj ET Q q 0 0 0 rg BT 83.14 331.25 Td (e unable to r) Tj ET Q q 0 0 0 rg BT 136.57 331.25 Td (enew client contracts at favorable terms, we could lose clients and our) Tj ET Q q 0 0 0 rg BT 433.55 331.25 Td ( r) Tj ET Q q 0 0 0 rg BT 440.31 331.25 Td (esults of operations and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 319.25 Td (financial condition may be adversely affected.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 298.25 Td (Failure to achieve favorable renewals of client contracts could negatively impact our business. Our contracts with clients ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 286.25 Td (generally run for a period of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 165.51 286.25 Td (three to five) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 213.82 286.25 Td ( years. ) Tj ET Q q 0 0 0 rg BT 241.87 286.25 Td (At the end of the contract term, clients have the opportunity to renegotiate their ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 274.25 Td (contracts with us or to consider whether to engage one or more of our competitors to provide products and services. If we are ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 262.25 Td (not successful in achieving high renewal rates and favorable contract terms, our results of operations and financial condition ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 250.25 Td (may be materially and adversely af) Tj ET Q q 0 0 0 rg BT 190.03 250.25 Td (fected.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 229.25 Td (Consolidations in the banking and financial services industry could adversely affect our) Tj ET Q q 0 0 0 rg BT 422.91 229.25 Td ( r) Tj ET Q q 0 0 0 rg BT 429.67 229.25 Td (evenue by eliminating existing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 217.25 Td (or) Tj ET Q q 0 0 0 rg BT 59.26 217.25 Td ( potential clients and making us mor) Tj ET Q q 0 0 0 rg BT 214.65 217.25 Td (e dependent on fewer) Tj ET Q q 0 0 0 rg BT 305.29 217.25 Td ( clients.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 196.25 Td (Mer) Tj ET Q q 0 0 0 rg BT 66.48 196.25 Td (gers, consolidations and failures of financial institutions reduce the number of our clients and potential clients, which could ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 184.25 Td (adversely af) Tj ET Q q 0 0 0 rg BT 98.40 184.25 Td (fect our revenue. If our clients mer) Tj ET Q q 0 0 0 rg BT 237.32 184.25 Td (ge with or are acquired by other entities that are not our clients, or that use fewer ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 172.25 Td (of our services, they may discontinue or reduce their use of our services. It is also possible that the lar) Tj ET Q q 0 0 0 rg BT 456.65 172.25 Td (ger financial institutions ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 160.25 Td (that result from mer) Tj ET Q q 0 0 0 rg BT 129.52 160.25 Td (gers or consolidations could have greater leverage in negotiating terms with us or could decide to perform ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 148.25 Td (in-house some or all of the services which we currently provide or could provide. ) Tj ET Q q 0 0 0 rg BT 377.41 148.25 Td (Any of these developments could have a ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 136.25 Td (material adverse ef) Tj ET Q q 0 0 0 rg BT 125.88 136.25 Td (fect on our business, results of operations and financial condition.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 115.25 Td (Security incidents or) Tj ET Q q 0 0 0 rg BT 138.14 115.25 Td ( other) Tj ET Q q 0 0 0 rg BT 163.23 115.25 Td ( technological risks involving our) Tj ET Q q 0 0 0 rg BT 304.17 115.25 Td ( systems and data, or) Tj ET Q q 0 0 0 rg BT 393.72 115.25 Td ( those of our) Tj ET Q q 0 0 0 rg BT 446.59 115.25 Td ( clients or) Tj ET Q q 0 0 0 rg BT 488.07 115.25 Td ( vendors, could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 103.25 Td (expose us to liability or) Tj ET Q q 0 0 0 rg BT 148.15 103.25 Td ( damage our) Tj ET Q q 0 0 0 rg BT 201.30 103.25 Td ( r) Tj ET Q q 0 0 0 rg BT 208.06 103.25 Td (eputation.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 82.25 Td (Our operations depend on receiving, storing, processing and transmitting sensitive information pertaining to our business, our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 70.25 Td (associates, our clients and their customers. ) Tj ET Q q 0 0 0 rg BT 222.18 70.25 Td (Any unauthorized access, intrusion, infiltration, network disruption, denial of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 58.25 Td (service or similar incident could disrupt the integrity) Tj ET Q q 0 0 0 rg BT 259.58 58.25 Td (, continuity) Tj ET Q q 0 0 0 rg BT 304.48 58.25 Td (, security and trust of our systems or data, or the systems or data ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 46.25 Td (of our clients or vendors. ) Tj ET Q q 0 0 0 rg BT 152.57 46.25 Td (These events could create costly litigation, significant financial liability) Tj ET Q q 0 0 0 rg BT 438.22 46.25 Td (, increased regulatory scrutiny) Tj ET Q q 0 0 0 rg BT 558.64 46.25 Td (, ) Tj ET Q endstream endobj 23 0 obj <> endobj 24 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (financial sanctions and a loss of confidence in our ability to serve clients and cause current or potential clients to choose ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (another service provider) Tj ET Q q 0 0 0 rg BT 146.78 730.10 Td (, all of which could have a material adverse impact on our business. In addition, as threats continue to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (evolve, we may be required to invest significant additional resources to modify and enhance our information security and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (controls or to investigate and remediate any security vulnerabilities. ) Tj ET Q q 0 0 0 rg BT 323.25 706.10 Td (Although we believe that we maintain a robust program of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (information security and controls and none of the events that we have encountered to date have materially impacted us, we may ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (not be able to prevent a material event in the future, and the impact of a material event could have a material adverse ef) Tj ET Q q 0 0 0 rg BT 526.83 682.10 Td (fect on ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (our business, results of operations and financial condition.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 649.10 Td (Operational failur) Tj ET Q q 0 0 0 rg BT 127.87 649.10 Td (es and r) Tj ET Q q 0 0 0 rg BT 161.58 649.10 Td (esulting interruptions in the availability of our) Tj ET Q q 0 0 0 rg BT 359.19 649.10 Td ( pr) Tj ET Q q 0 0 0 rg BT 371.51 649.10 Td (oducts or) Tj ET Q q 0 0 0 rg BT 411.05 649.10 Td ( services could harm our) Tj ET Q q 0 0 0 rg BT 515.86 649.10 Td ( business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 637.10 Td (and r) Tj ET Q q 0 0 0 rg BT 72.88 637.10 Td (eputation.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (Our business depends heavily on the reliability of our processing and other systems. ) Tj ET Q q 0 0 0 rg BT 388.27 616.10 Td (An operational failure and the resulting ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (service interruption could harm our business or cause us to lose clients. ) Tj ET Q q 0 0 0 rg BT 336.88 604.10 Td (An operational failure could involve the hardware, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (software, data, networks or systems upon which we rely to deliver our services and could be caused by our actions, the actions ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (of third parties or events over which we may have limited or no control. Events that could cause operational failures include, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 568.10 Td (but are not limited to, hardware and software defects or malfunctions, computer denial-of-service and other cyberattacks, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (human error) Tj ET Q q 0 0 0 rg BT 98.75 556.10 Td (, earthquakes, hurricanes, floods, fires, natural disasters, power losses, disruptions in telecommunications services, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (fraud, military or political conflicts, terrorist attacks, computer viruses or other malware, or other events. Interruptions of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (service could damage our relationship with clients and could cause us to incur substantial expenses, including those related to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 520.10 Td (the payment of service credits or other liabilities. ) Tj ET Q q 0 0 0 rg BT 247.99 520.10 Td (A) Tj ET Q q 0 0 0 rg BT 254.66 520.10 Td ( prolonged interruption of our services or network could cause us to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 508.10 Td (experience data loss or a reduction in revenue, and significantly impact our clients) Tj ET Q q 0 0 0 rg BT 381.64 508.10 Td ( businesses and the customers they serve. In ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 496.10 Td (addition, a significant interruption of service could have a negative impact on our reputation and could cause our current and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 484.10 Td (potential clients to choose another service provider) Tj ET Q q 0 0 0 rg BT 253.27 484.10 Td (. ) Tj ET Q q 0 0 0 rg BT 257.71 484.10 Td (Any of these developments could have a material adverse impact on our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 472.10 Td (business, results of operations and financial condition.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 451.10 Td (W) Tj ET Q q 0 0 0 rg BT 59.45 451.10 Td (e may experience softwar) Tj ET Q q 0 0 0 rg BT 167.28 451.10 Td (e defects, development delays or) Tj ET Q q 0 0 0 rg BT 304.01 451.10 Td ( installation difficulties, which would harm our) Tj ET Q q 0 0 0 rg BT 504.13 451.10 Td ( business and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 439.10 Td (r) Tj ET Q q 0 0 0 rg BT 54.26 439.10 Td (eputation and expose us to potential liability) Tj ET Q q 0 0 0 rg BT 242.07 439.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (Our services are based on sophisticated software and computer systems, and we may encounter delays when developing new ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (applications and services. Further) Tj ET Q q 0 0 0 rg BT 184.00 406.10 Td (, the software underlying our services may contain undetected errors or defects when first ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (introduced or when new versions are released. In addition, we may experience dif) Tj ET Q q 0 0 0 rg BT 376.91 394.10 Td (ficulties in installing or integrating our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (technology on systems or with other programs used by our clients. Defects in our software, errors or delays in the processing of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (electronic transactions or other dif) Tj ET Q q 0 0 0 rg BT 186.99 370.10 Td (ficulties could result in interruption of business operations, delay in market acceptance, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (additional development and remediation costs, diversion of technical and other resources, loss of clients, negative publicity or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (exposure to liability claims. ) Tj ET Q q 0 0 0 rg BT 163.04 346.10 Td (Although we attempt to limit our potential liability through disclaimers and limitation of liability ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (provisions in our license and client agreements, we cannot be certain that these measures will successfully limit our liability) Tj ET Q q 0 0 0 rg BT 545.04 334.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 313.10 Td (A) Tj ET Q q 0 0 0 rg BT 56.67 313.10 Td ( heightened r) Tj ET Q q 0 0 0 rg BT 112.60 313.10 Td (egulatory envir) Tj ET Q q 0 0 0 rg BT 177.68 313.10 Td (onment in the financial services industry may have an adverse impact on our) Tj ET Q q 0 0 0 rg BT 504.72 313.10 Td ( clients and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 301.10 Td (our) Tj ET Q q 0 0 0 rg BT 64.82 301.10 Td ( business.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 280.10 Td (Since the enactment of the Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 209.77 280.10 Td (W) Tj ET Q q 0 0 0 rg BT 218.41 280.10 Td (all Street Reform and Consumer Protection ) Tj ET Q q 0 0 0 rg BT 393.37 280.10 Td (Act \(Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 468.91 280.10 Td (Act\), a number of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (substantial regulations af) Tj ET Q q 0 0 0 rg BT 149.79 268.10 Td (fecting the supervision and operation of the financial services industry within the United States have ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (been adopted, including those that establish the Consumer Financial Protection Bureau \(CFPB\). ) Tj ET Q q 0 0 0 rg BT 444.74 256.10 Td (The CFPB has issued ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 244.10 Td (guidance that applies to, and conducts direct examinations of, supervised banks and nonbanks as well as supervised service ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 232.10 Td (providers like us. In addition, federal and state governments and governmental authorities outside the U.S. have adopted or are ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (pursuing numerous additional regulations impacting the financial services industry) Tj ET Q q 0 0 0 rg BT 380.39 220.10 Td (, including regulations related to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 208.10 Td (cybersecurity and data privacy) Tj ET Q q 0 0 0 rg BT 171.79 208.10 Td (. ) Tj ET Q q 0 0 0 rg BT 176.61 208.10 Td (T) Tj ET Q q 0 0 0 rg BT 182.02 208.10 Td (o the extent this oversight or regulation negatively impacts the business, operations or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 196.10 Td (financial condition of our clients, our business and results of operations could be materially and adversely af) Tj ET Q q 0 0 0 rg BT 483.31 196.10 Td (fected because, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 184.10 Td (among other matters, our clients could have less capacity to purchase products and services from us, could decide to avoid or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 172.10 Td (abandon certain lines of business, or could seek to pass on increased costs to us by negotiating price reductions. ) Tj ET Q q 0 0 0 rg BT 498.51 172.10 Td (Additional ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 160.10 Td (regulation, examination and oversight of us could require us to modify the manner in which we contract with or provide ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 148.10 Td (products and services to our clients; directly or indirectly limit how much we can char) Tj ET Q q 0 0 0 rg BT 394.16 148.10 Td (ge for our services; require us to invest ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 136.10 Td (additional time and resources to comply with such oversight and regulations; or limit our ability to update our existing products ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 124.10 Td (and services, or require us to develop new ones. ) Tj ET Q q 0 0 0 rg BT 243.55 124.10 Td (Any of these events, if realized, could have a material adverse ef) Tj ET Q q 0 0 0 rg BT 501.87 124.10 Td (fect on our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 112.10 Td (business, results of operations and financial condition.) Tj ET Q endstream endobj 25 0 obj <> endobj 26 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (If we fail to comply with applicable r) Tj ET Q q 0 0 0 rg BT 206.75 742.25 Td (egulations, our) Tj ET Q q 0 0 0 rg BT 269.91 742.25 Td ( businesses could be harmed.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (If we fail to comply with regulations applicable to our business, including cybersecurity and data privacy regulations, we could ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 709.25 Td (be exposed to litigation or regulatory proceedings, our client relationships and reputation could be harmed, and we could be ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 697.25 Td (inhibited in our ability to obtain new clients, which could have a material adverse impact on our business, results of operations ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 685.25 Td (and financial condition. In addition, the future enactment of more restrictive laws or rules on the federal or state level, or) Tj ET Q q 0 0 0 rg BT 531.92 685.25 Td (, with ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 673.25 Td (respect to our international operations, in foreign jurisdictions on the national, provincial, state or other level, could have a ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 661.25 Td (material adverse impact on our business, results of operations and financial condition.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.25 Td (Our) Tj ET Q q 0 0 0 rg BT 67.60 640.25 Td ( failur) Tj ET Q q 0 0 0 rg BT 93.80 640.25 Td (e to comply with a series of complex r) Tj ET Q q 0 0 0 rg BT 253.58 640.25 Td (egulations in our) Tj ET Q q 0 0 0 rg BT 325.08 640.25 Td ( payments businesses could subject us to liability) Tj ET Q q 0 0 0 rg BT 531.51 640.25 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 619.25 Td (Certain of our subsidiaries are licensed as money transmitters in those jurisdictions where such licensure is required. In ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 607.25 Td (connection with such licensure, we are required to demonstrate and maintain certain levels of net worth and liquidity and to file ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 595.25 Td (periodic reports. In addition, our direct-to-consumer payments businesses, including our walk-in bill payment, online bill ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 583.25 Td (payment, digital disbursements, and Popmoney person-to-person payment services, are subject to federal regulation in the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 571.25 Td (United States, including anti-money laundering regulations and certain restrictions on transactions to or from certain ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 559.25 Td (individuals or entities. ) Tj ET Q q 0 0 0 rg BT 141.47 559.25 Td (The complexity of these regulations will continue to increase our cost of doing business. In addition, any ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 547.25 Td (violations of law may result in civil or criminal penalties against us and our of) Tj ET Q q 0 0 0 rg BT 362.52 547.25 Td (ficers, or the prohibition against us providing ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 535.25 Td (money transmitter services in particular jurisdictions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.25 Td (If we fail to comply with the applicable r) Tj ET Q q 0 0 0 rg BT 222.58 514.25 Td (equir) Tj ET Q q 0 0 0 rg BT 245.18 514.25 Td (ements of NACHA) Tj ET Q q 0 0 0 rg BT 324.61 514.25 Td ( and the payment card networks, they could seek to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.25 Td (fine us, suspend us or) Tj ET Q q 0 0 0 rg BT 141.24 502.25 Td ( terminate our) Tj ET Q q 0 0 0 rg BT 202.71 502.25 Td ( r) Tj ET Q q 0 0 0 rg BT 209.46 502.25 Td (egistrations which could adversely affect our) Tj ET Q q 0 0 0 rg BT 399.54 502.25 Td ( business.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 481.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 481.25 Td (e are subject to rules of the National ) Tj ET Q q 0 0 0 rg BT 205.25 481.25 Td (Automated Clearing House ) Tj ET Q q 0 0 0 rg BT 316.62 481.25 Td (Association \(NACHA\) as well as card association and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 469.25 Td (network rules governing ) Tj ET Q q 0 0 0 rg BT 150.07 469.25 Td (V) Tj ET Q q 0 0 0 rg BT 156.69 469.25 Td (isa, MasterCard, ) Tj ET Q q 0 0 0 rg BT 224.46 469.25 Td (American Express, Discover or other similar or) Tj ET Q q 0 0 0 rg BT 413.94 469.25 Td (ganizations, including the Payment ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 457.25 Td (Card Industry Data Security Standard enforced by the major card brands. ) Tj ET Q q 0 0 0 rg BT 344.72 457.25 Td (The rules of NACHA) Tj ET Q q 0 0 0 rg BT 430.54 457.25 Td ( and the card networks are set by ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 445.25 Td (their respective boards, and the card network rules may be influenced by card issuers, some of which of) Tj ET Q q 0 0 0 rg BT 464.40 445.25 Td (fer competing ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 433.25 Td (transaction processing services. If we fail to comply with these rules, we could be fined, our certifications could be suspended, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 421.25 Td (or our certifications could be terminated. ) Tj ET Q q 0 0 0 rg BT 215.59 421.25 Td (The suspension or termination of our certifications, or any changes to the association ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 409.25 Td (and network rules, that we do not successfully address, or any other action by the card networks to restrict our ability to process ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 397.25 Td (transactions over such networks, could limit our ability to provide transaction processing services to clients and result in a ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 385.25 Td (reduction of revenue or increased costs of operation, which, in either case, could have a material adverse ef) Tj ET Q q 0 0 0 rg BT 478.52 385.25 Td (fect on our business ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 373.25 Td (and results of operations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 352.25 Td (W) Tj ET Q q 0 0 0 rg BT 59.45 352.25 Td (e may be sued for) Tj ET Q q 0 0 0 rg BT 134.26 352.25 Td ( infringing the intellectual pr) Tj ET Q q 0 0 0 rg BT 257.41 352.25 Td (operty rights of others.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 331.25 Td (Third parties may claim that we are infringing their intellectual property rights. ) Tj ET Q q 0 0 0 rg BT 368.88 331.25 Td (W) Tj ET Q q 0 0 0 rg BT 377.52 331.25 Td (e may expose ourselves to additional liability ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 319.25 Td (if we agree to indemnify our clients against third party infringement claims. If the owner of intellectual property establishes ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 307.25 Td (that we are, or a client which we are obligated to indemnify is, infringing its intellectual property rights, we may be forced to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 295.25 Td (change our products or services, and such changes may be expensive or impractical, or we may need to seek royalty or license ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 283.25 Td (agreements from the owner of such rights. If we are unable to agree on acceptable terms, we may be required to discontinue the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 271.25 Td (sale of key products or halt other aspects of our operations. ) Tj ET Q q 0 0 0 rg BT 288.64 271.25 Td (W) Tj ET Q q 0 0 0 rg BT 297.28 271.25 Td (e may also be liable for financial damages for a violation of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 259.25 Td (intellectual property rights, and we may incur expenses in connection with indemnifying our clients against losses suf) Tj ET Q q 0 0 0 rg BT 520.54 259.25 Td (fered by ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 247.25 Td (them. ) Tj ET Q q 0 0 0 rg BT 74.44 247.25 Td (Any adverse result related to violation of third party intellectual property rights could materially and adversely harm our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 235.25 Td (business, results of operations and financial condition. Even if intellectual property claims brought against us are without merit, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 223.25 Td (they may result in costly and time-consuming litigation and may require significant attention from our management and key ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 211.25 Td (personnel.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.25 Td (Misappr) Tj ET Q q 0 0 0 rg BT 86.49 190.25 Td (opriation of our) Tj ET Q q 0 0 0 rg BT 154.09 190.25 Td ( intellectual pr) Tj ET Q q 0 0 0 rg BT 216.12 190.25 Td (operty and pr) Tj ET Q q 0 0 0 rg BT 274.83 190.25 Td (oprietary rights could impair) Tj ET Q q 0 0 0 rg BT 399.36 190.25 Td ( our) Tj ET Q q 0 0 0 rg BT 416.68 190.25 Td ( competitive position.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 169.25 Td (Our ability to compete depends upon proprietary systems and technology) Tj ET Q q 0 0 0 rg BT 342.34 169.25 Td (. ) Tj ET Q q 0 0 0 rg BT 347.16 169.25 Td (W) Tj ET Q q 0 0 0 rg BT 355.80 169.25 Td (e actively seek to protect our proprietary rights. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 157.25 Td (Nevertheless, unauthorized parties may attempt to copy aspects of our services or to obtain and use information that we regard ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 145.25 Td (as proprietary) Tj ET Q q 0 0 0 rg BT 104.60 145.25 Td (. ) Tj ET Q q 0 0 0 rg BT 109.42 145.25 Td (The steps we have taken may not prevent misappropriation of technology) Tj ET Q q 0 0 0 rg BT 402.58 145.25 Td (. ) Tj ET Q q 0 0 0 rg BT 407.03 145.25 Td (Agreements entered into for that ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 133.25 Td (purpose may not be enforceable or provide us with an adequate remedy) Tj ET Q q 0 0 0 rg BT 335.08 133.25 Td (. Ef) Tj ET Q q 0 0 0 rg BT 349.34 133.25 Td (fective patent, trademark, service mark, copyright ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 121.25 Td (and trade secret protection may not be available in every country in which our applications and services are made available. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 109.25 Td (Misappropriation of our intellectual property or potential litigation concerning such matters could have a material adverse ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 97.25 Td (ef) Tj ET Q q 0 0 0 rg BT 57.59 97.25 Td (fect on our business, results of operations and financial condition.) Tj ET Q endstream endobj 27 0 obj <> endobj 28 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.15 31.60 Td (1) Tj ET Q q 0 0 0 rg BT 305.78 31.60 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Acquisitions subject us to risks, including incr) Tj ET Q q 0 0 0 rg BT 246.25 742.25 Td (eased debt, assumption of unfor) Tj ET Q q 0 0 0 rg BT 381.91 742.25 Td (eseen liabilities and difficulties in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.25 Td (integrating operations.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 709.25 Td (A) Tj ET Q q 0 0 0 rg BT 56.67 709.25 Td ( major contributor to our growth in revenue and earnings since our inception has been our ability to identify) Tj ET Q q 0 0 0 rg BT 487.02 709.25 Td (, acquire and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 697.25 Td (integrate complementary businesses. ) Tj ET Q q 0 0 0 rg BT 199.22 697.25 Td (W) Tj ET Q q 0 0 0 rg BT 207.86 697.25 Td (e anticipate that we will continue to seek to acquire complementary businesses, products ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 685.25 Td (and services. ) Tj ET Q q 0 0 0 rg BT 103.96 685.25 Td (W) Tj ET Q q 0 0 0 rg BT 112.60 685.25 Td (e may not be able to identify suitable acquisition candidates or complete acquisitions in the future, which could ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 673.25 Td (adversely af) Tj ET Q q 0 0 0 rg BT 98.40 673.25 Td (fect our future growth; or businesses that we acquire may not perform as well as expected or may be more dif) Tj ET Q q 0 0 0 rg BT 536.41 673.25 Td (ficult ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 661.25 Td (to integrate and manage than expected, which could adversely af) Tj ET Q q 0 0 0 rg BT 308.60 661.25 Td (fect our business and results of operations. ) Tj ET Q q 0 0 0 rg BT 481.16 661.25 Td (W) Tj ET Q q 0 0 0 rg BT 489.79 661.25 Td (e may not be able ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 649.25 Td (to integrate all aspects of acquired businesses successfully or realize the potential benefits of bringing them together) Tj ET Q q 0 0 0 rg BT 513.74 649.25 Td (. In ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 637.25 Td (addition, the process of integrating these acquisitions may disrupt our business and divert our resources.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 616.25 Td (These risks may arise for a number of reasons: we may not be able to find suitable businesses to acquire at af) Tj ET Q q 0 0 0 rg BT 486.07 616.25 Td (fordable ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 604.25 Td (valuations or on other acceptable terms; we may face competition for acquisitions from other potential acquirers; we may need ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 592.25 Td (to borrow money or sell equity or debt securities to the public to finance future acquisitions and the terms of these financings ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 580.25 Td (may be adverse to us; changes in accounting, tax, securities or other regulations could increase the dif) Tj ET Q q 0 0 0 rg BT 456.90 580.25 Td (ficulty or cost for us to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 568.25 Td (complete acquisitions; we may incur unforeseen obligations or liabilities in connection with acquisitions; we may need to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 556.25 Td (devote unanticipated financial and management resources to an acquired business; we may not realize expected operating ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 544.25 Td (ef) Tj ET Q q 0 0 0 rg BT 57.59 544.25 Td (ficiencies or product integration benefits from an acquisition; we could enter markets where we have minimal prior ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 532.25 Td (experience; and we may experience decreases in earnings as a result of non-cash impairment char) Tj ET Q q 0 0 0 rg BT 440.20 532.25 Td (ges.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 511.25 Td (W) Tj ET Q q 0 0 0 rg BT 59.45 511.25 Td (e may be obligated to indemnify the pur) Tj ET Q q 0 0 0 rg BT 229.55 511.25 Td (chasers of businesses pursuant to the terms of the r) Tj ET Q q 0 0 0 rg BT 446.86 511.25 Td (elevant pur) Tj ET Q q 0 0 0 rg BT 495.28 511.25 Td (chase and sale ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 499.25 Td (agr) Tj ET Q q 0 0 0 rg BT 64.26 499.25 Td (eements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 478.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 478.25 Td (e have in the past and may in the future sell businesses. In connection with sales of businesses, we may make representations ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 466.25 Td (and warranties about the businesses and their financial af) Tj ET Q q 0 0 0 rg BT 278.07 466.25 Td (fairs and agree to retain certain liabilities associated with our operation ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 454.25 Td (of the businesses prior to their sale. Our obligation to indemnify the purchasers and agreement to retain liabilities could have a ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 442.25 Td (material adverse ef) Tj ET Q q 0 0 0 rg BT 125.88 442.25 Td (fect on our business, results of operations and financial condition.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 421.25 Td (The failur) Tj ET Q q 0 0 0 rg BT 92.88 421.25 Td (e to attract and r) Tj ET Q q 0 0 0 rg BT 164.89 421.25 Td (etain key personnel could have a material adverse effect on our) Tj ET Q q 0 0 0 rg BT 433.56 421.25 Td ( business.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 400.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 400.25 Td (e depend on the experience, skill and contributions of our senior management and other key employees. If we fail to attract, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 388.25 Td (motivate and retain highly qualified management, technical, compliance and sales personnel, our future success could be ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 376.25 Td (harmed. Our senior management provides strategic direction for our company) Tj ET Q q 0 0 0 rg BT 360.91 376.25 Td (, and if we lose members of our leadership team, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 364.25 Td (our management resources may have to be diverted from other priorities to address this loss. Our products and services require ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 352.25 Td (sophisticated knowledge of the financial services industry) Tj ET Q q 0 0 0 rg BT 280.95 352.25 Td (, applicable regulatory and industry requirements, computer systems, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 340.25 Td (and software applications, and if we cannot hire or retain the necessary skilled personnel, we could suf) Tj ET Q q 0 0 0 rg BT 460.23 340.25 Td (fer delays in new product ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 328.25 Td (development, experience dif) Tj ET Q q 0 0 0 rg BT 163.38 328.25 Td (ficulty complying with applicable requirements or otherwise fail to satisfy our clients) Tj ET Q q 0 0 0 rg BT 507.27 328.25 Td ( demands.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 307.25 Td (Our) Tj ET Q q 0 0 0 rg BT 67.60 307.25 Td ( business may be adversely impacted by U.S. and global market and economic conditions.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 286.25 Td (For the foreseeable future, we expect to continue to derive most of our revenue from products and services we provide to the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 274.25 Td (financial services industry) Tj ET Q q 0 0 0 rg BT 154.32 274.25 Td (. Given this concentration, we are exposed to the global economic conditions in the financial services ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 262.25 Td (industry) Tj ET Q q 0 0 0 rg BT 82.13 262.25 Td (. ) Tj ET Q q 0 0 0 rg BT 86.58 262.25 Td (A) Tj ET Q q 0 0 0 rg BT 93.25 262.25 Td ( prolonged poor economic environment could result in significant decreases in demand by current and potential ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 250.25 Td (clients for our products and services and in the number and dollar amount of transactions we process, which could have a ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 238.25 Td (material adverse ef) Tj ET Q q 0 0 0 rg BT 125.88 238.25 Td (fect on our business, results of operations and financial condition.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 217.25 Td (The market for) Tj ET Q q 0 0 0 rg BT 115.36 217.25 Td ( our) Tj ET Q q 0 0 0 rg BT 132.68 217.25 Td ( electr) Tj ET Q q 0 0 0 rg BT 158.86 217.25 Td (onic transaction services continues to evolve and may not continue to develop or) Tj ET Q q 0 0 0 rg BT 499.21 217.25 Td ( gr) Tj ET Q q 0 0 0 rg BT 510.97 217.25 Td (ow rapidly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 205.25 Td (enough to sustain pr) Tj ET Q q 0 0 0 rg BT 136.79 205.25 Td (ofitability) Tj ET Q q 0 0 0 rg BT 177.90 205.25 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 184.25 Td (If the number of electronic transactions does not continue to grow) Tj ET Q q 0 0 0 rg BT 313.16 184.25 Td (, or if consumers or businesses do not continue to adopt our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 172.25 Td (services, it could have a material adverse ef) Tj ET Q q 0 0 0 rg BT 224.18 172.25 Td (fect on our business, results of operations and financial condition. ) Tj ET Q q 0 0 0 rg BT 489.49 172.25 Td (W) Tj ET Q q 0 0 0 rg BT 498.13 172.25 Td (e believe future ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 160.25 Td (growth in the electronic transactions market will be driven by a combination of factors including speed, cost, ease-of-use, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 148.25 Td (security and quality of products and services of) Tj ET Q q 0 0 0 rg BT 238.93 148.25 Td (fered to consumers and businesses. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 127.25 Td (Uncertainties in the interpr) Tj ET Q q 0 0 0 rg BT 166.74 127.25 Td (etation and application of the 2017 ) Tj ET Q q 0 0 0 rg BT 316.57 127.25 Td (T) Tj ET Q q 0 0 0 rg BT 322.32 127.25 Td (ax Cuts and Jobs ) Tj ET Q q 0 0 0 rg BT 397.35 127.25 Td (Act could cause us to modify curr) Tj ET Q q 0 0 0 rg BT 540.49 127.25 Td (ent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 115.25 Td (estimates about the impact that it will have on us, which could negatively impact our) Tj ET Q q 0 0 0 rg BT 409.54 115.25 Td ( anticipated earnings and have an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 103.25 Td (adverse effect on our) Tj ET Q q 0 0 0 rg BT 138.96 103.25 Td ( r) Tj ET Q q 0 0 0 rg BT 145.71 103.25 Td (esults of operations and cash flow) Tj ET Q q 0 0 0 rg BT 288.23 103.25 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 82.25 Td (On December22, 2017, the U.S. government enacted comprehensive tax legislation commonly referred to as the ) Tj ET Q q 0 0 0 rg BT 503.56 82.25 Td (T) Tj ET Q q 0 0 0 rg BT 508.97 82.25 Td (ax Cuts and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 70.25 Td (Jobs ) Tj ET Q q 0 0 0 rg BT 69.73 70.25 Td (Act \(the T) Tj ET Q q 0 0 0 rg BT 114.57 70.25 Td (ax ) Tj ET Q q 0 0 0 rg BT 125.95 70.25 Td (Act\). ) Tj ET Q q 0 0 0 rg BT 152.98 70.25 Td (The ) Tj ET Q q 0 0 0 rg BT 170.84 70.25 Td (T) Tj ET Q q 0 0 0 rg BT 176.25 70.25 Td (ax ) Tj ET Q q 0 0 0 rg BT 187.64 70.25 Td (Act significantly revises the U.S. corporate income tax code by) Tj ET Q q 0 0 0 rg BT 439.97 70.25 Td (, among other things, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 58.25 Td (lowering corporate income tax rates, implementing a territorial-style tax system and imposing a repatriation tax on deemed ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 46.25 Td (repatriated earnings of foreign subsidiaries. Our financial results for 2018 included additional income tax expense of ) Tj ET Q endstream endobj 29 0 obj <> endobj 30 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (12) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (approximately ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 110.26 742.10 Td ($19 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 156.65 742.10 Td ( resulting from new interpretive guidance issued by the Internal Revenue Service. Further analysis of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (this complex legislation or future regulations or guidance from the Internal Revenue Service, the Securities and Exchange ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (Commission or the Financial ) Tj ET Q q 0 0 0 rg BT 167.77 718.10 Td (Accounting Standards Board could cause us to adjust current estimates in future periods, which ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (could impact our earnings and have an adverse ef) Tj ET Q q 0 0 0 rg BT 247.51 706.10 Td (fect on our results of operations and cash flow) Tj ET Q q 0 0 0 rg BT 431.81 706.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 685.10 Td (Our) Tj ET Q q 0 0 0 rg BT 67.60 685.10 Td ( balance sheet includes significant amounts of goodwill and intangible assets. ) Tj ET Q q 0 0 0 rg BT 395.79 685.10 Td (The impairment of a significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 673.10 Td (portion of these assets would negatively affect our) Tj ET Q q 0 0 0 rg BT 261.74 673.10 Td ( r) Tj ET Q q 0 0 0 rg BT 268.50 673.10 Td (esults of operations.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (Our balance sheet includes goodwill and intangible assets that represent ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 339.91 652.10 Td (70%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 358.24 652.10 Td ( of our total assets at ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 443.22 652.10 Td (December31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 521.81 652.10 Td (. ) Tj ET Q q 0 0 0 rg BT 526.63 652.10 Td (These ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (assets consist primarily of goodwill and identified intangible assets associated with our acquisitions. On at least an annual ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (basis, we assess whether there have been impairments in the carrying value of goodwill. In addition, we review intangible ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (assets for impairment whenever events or changes in circumstances indicate the carrying amount of the asset may not be ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (recoverable. If the carrying value of the asset is determined to be impaired, then it is written down to fair value by a char) Tj ET Q q 0 0 0 rg BT 532.14 604.10 Td (ge to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (operating earnings. ) Tj ET Q q 0 0 0 rg BT 128.59 592.10 Td (An impairment of a significant portion of goodwill or intangible assets could have a material negative ef) Tj ET Q q 0 0 0 rg BT 546.06 592.10 Td (fect ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (on our results of operations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 559.10 Td (Incr) Tj ET Q q 0 0 0 rg BT 68.15 559.10 Td (eased leverage may harm our) Tj ET Q q 0 0 0 rg BT 193.49 559.10 Td ( financial condition and r) Tj ET Q q 0 0 0 rg BT 301.11 559.10 Td (esults of operations.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (As of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 74.44 538.10 Td (December31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 153.03 538.10 Td (, we had approximately ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 249.38 538.10 Td ($6.0 billion) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 295.50 538.10 Td ( of debt. ) Tj ET Q q 0 0 0 rg BT 330.86 538.10 Td (W) Tj ET Q q 0 0 0 rg BT 339.50 538.10 Td (e and our subsidiaries may incur additional ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (indebtedness in the future. Our indebtedness could: decrease our ability to obtain additional financing for working capital, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (capital expenditures, general corporate or other purposes; limit our flexibility to make acquisitions; increase our cash ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (requirements to support the payment of interest; limit our flexibility in planning for) Tj ET Q q 0 0 0 rg BT 382.87 502.10 Td (, or reacting to, changes in our business and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (our industry; and increase our vulnerability to adverse changes in general economic and industry conditions. Our ability to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (make payments of principal and interest on our indebtedness depends upon our future performance, which will be subject to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (general economic conditions and financial, business and other factors af) Tj ET Q q 0 0 0 rg BT 338.05 466.10 Td (fecting our consolidated operations, many of which are ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (beyond our control. In addition, if our outstanding senior notes are downgraded to below investment grade, we may incur ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (additional interest expense. If we are unable to generate suf) Tj ET Q q 0 0 0 rg BT 287.50 442.10 Td (ficient cash flow from operations in the future to service our debt ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (and meet our other cash requirements, we may be required, among other things: to seek additional financing in the debt or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (equity markets; to refinance or restructure all or a portion of our indebtedness; or to reduce or delay planned capital or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (operating expenditures. Such measures might not be suf) Tj ET Q q 0 0 0 rg BT 273.66 406.10 Td (ficient to enable us to service our debt and meet our other cash ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (requirements. In addition, any such financing, refinancing or sale of assets might not be available at all or on economically ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (favorable terms.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 361.10 Td (Risks Relating to the Proposed Merger with First Data) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 340.10 Td (The merger) Tj ET Q q 0 0 0 rg BT 100.07 340.10 Td ( is subject to a number) Tj ET Q q 0 0 0 rg BT 196.84 340.10 Td ( of conditions to our) Tj ET Q q 0 0 0 rg BT 282.22 340.10 Td ( and First Data) Tj ET Q q 0 0 0 rg BT 349.90 340.10 Td (s obligations to complete the merger) Tj ET Q q 0 0 0 rg BT 503.11 340.10 Td (, which, if not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.10 Td (fulfilled, or) Tj ET Q q 0 0 0 rg BT 97.59 328.10 Td ( not fulfilled in a timely manner) Tj ET Q q 0 0 0 rg BT 232.23 328.10 Td (, may r) Tj ET Q q 0 0 0 rg BT 262.31 328.10 Td (esult in termination of the merger) Tj ET Q q 0 0 0 rg BT 406.26 328.10 Td ( agr) Tj ET Q q 0 0 0 rg BT 423.02 328.10 Td (eement.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 307.10 Td (Our and First Data) Tj ET Q q 0 0 0 rg BT 127.49 307.10 Td (s respective obligations to ef) Tj ET Q q 0 0 0 rg BT 241.72 307.10 Td (fect the mer) Tj ET Q q 0 0 0 rg BT 289.29 307.10 Td (ger are subject to the satisfaction at or prior to the ef) Tj ET Q q 0 0 0 rg BT 498.19 307.10 Td (fective time of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 295.10 Td (the mer) Tj ET Q q 0 0 0 rg BT 80.08 295.10 Td (ger of the following conditions: ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 274.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 274.10 Td (First Data) Tj ET Q q 0 0 0 rg BT 119.50 274.10 Td (s stockholders must approve the consummation of the mer) Tj ET Q q 0 0 0 rg BT 352.60 274.10 Td (ger;) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 253.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 253.10 Td (our shareholders must approve the issuance of shares to First Data shareholders in connection with the mer) Tj ET Q q 0 0 0 rg BT 504.48 253.10 Td (ger;) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 232.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 232.10 Td (the shares of our common stock that will be issued in the mer) Tj ET Q q 0 0 0 rg BT 322.32 232.10 Td (ger must have been approved for listing on NASDAQ;) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 211.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 211.10 Td (our Form S-4 registration statement filed in connection with the mer) Tj ET Q q 0 0 0 rg BT 350.09 211.10 Td (ger must become ef) Tj ET Q q 0 0 0 rg BT 428.49 211.10 Td (fective under the Securities ) Tj ET Q q 0 0 0 rg BT 539.56 211.10 Td (Act ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 199.10 Td (of 1933 and no stop order suspending its ef) Tj ET Q q 0 0 0 rg BT 249.57 199.10 Td (fectiveness may be in ef) Tj ET Q q 0 0 0 rg BT 346.02 199.10 Td (fect;) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 178.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 178.10 Td (no injunctions or decrees by any relevant governmental entity that prevent the mer) Tj ET Q q 0 0 0 rg BT 406.71 178.10 Td (ger may be outstanding; ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 157.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 157.10 Td (all requisite regulatory approvals, both antitrust or otherwise and both U.S. and non-U.S., must have been obtained;) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 136.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 136.10 Td (subject to certain exceptions and materiality standards provided in the mer) Tj ET Q q 0 0 0 rg BT 374.50 136.10 Td (ger agreement, the representations and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 124.10 Td (warranties of the other party must be true and correct;) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 103.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 103.10 Td (the other party must have performed or complied with in all material respects all of its obligations under the mer) Tj ET Q q 0 0 0 rg BT 526.41 103.10 Td (ger ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 91.10 Td (agreement;) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 70.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 70.10 Td (each party must have received a tax opinion from its respective counsel to the ef) Tj ET Q q 0 0 0 rg BT 397.81 70.10 Td (fect that the mer) Tj ET Q q 0 0 0 rg BT 462.87 70.10 Td (ger will constitute a ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 58.10 Td (reor) Tj ET Q q 0 0 0 rg BT 97.36 58.10 Td (ganization under the Internal Revenue Code; and) Tj ET Q endstream endobj 31 0 obj <> endobj 32 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (13) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 742.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 742.10 Td (our board of directors must have adopted amended by-laws and we must have taken all other steps necessary to ef) Tj ET Q q 0 0 0 rg BT 532.50 742.10 Td (fect ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 730.10 Td (the governance structure of the combined company as contemplated in the mer) Tj ET Q q 0 0 0 rg BT 391.98 730.10 Td (ger agreement.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 709.10 Td (Many of the conditions to completion of the mer) Tj ET Q q 0 0 0 rg BT 244.22 709.10 Td (ger are not within our or First Data) Tj ET Q q 0 0 0 rg BT 386.69 709.10 Td (s control, and we cannot predict when, or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 697.10 Td (if, these conditions will be satisfied. If any of these conditions are not satisfied or waived prior to October 16, 2019, which date ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 685.10 Td (may be extended once to January 16, 2020, and extended a second time to ) Tj ET Q q 0 0 0 rg BT 348.24 685.10 Td (April 16, 2020, it is possible that the mer) Tj ET Q q 0 0 0 rg BT 511.93 685.10 Td (ger ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 673.10 Td (agreement may be terminated. ) Tj ET Q q 0 0 0 rg BT 173.00 673.10 Td (Although we and First Data have agreed in the mer) Tj ET Q q 0 0 0 rg BT 377.48 673.10 Td (ger agreement to use reasonable best ef) Tj ET Q q 0 0 0 rg BT 534.45 673.10 Td (forts, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 661.10 Td (subject to certain limitations, to complete the mer) Tj ET Q q 0 0 0 rg BT 248.10 661.10 Td (ger as promptly as practicable, these and other conditions to the completion of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 649.10 Td (the mer) Tj ET Q q 0 0 0 rg BT 80.08 649.10 Td (ger may fail to be satisfied. In addition, satisfying the conditions to and completion of the mer) Tj ET Q q 0 0 0 rg BT 455.93 649.10 Td (ger may take longer) Tj ET Q q 0 0 0 rg BT 535.21 649.10 Td (, and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 637.10 Td (could cost more, than we expect. ) Tj ET Q q 0 0 0 rg BT 183.66 637.10 Td (W) Tj ET Q q 0 0 0 rg BT 192.30 637.10 Td (e cannot predict whether and when these other conditions will be satisfied. Furthermore, the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 625.10 Td (requirements for obtaining the required clearances and approvals could delay the completion of the mer) Tj ET Q q 0 0 0 rg BT 464.11 625.10 Td (ger for a significant ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 613.10 Td (period of time or prevent them from occurring. ) Tj ET Q q 0 0 0 rg BT 239.66 613.10 Td (Any delay in completing the mer) Tj ET Q q 0 0 0 rg BT 371.39 613.10 Td (ger may adversely af) Tj ET Q q 0 0 0 rg BT 454.78 613.10 Td (fect the cost savings and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 601.10 Td (other benefits that we expect to achieve if the mer) Tj ET Q q 0 0 0 rg BT 249.45 601.10 Td (ger and the integration of the companies) Tj ET Q q 0 0 0 rg BT 413.10 601.10 Td ( respective businesses are completed ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 589.10 Td (within the expected timeframe. ) Tj ET Q q 0 0 0 rg BT 176.71 589.10 Td (There can be no assurance that all required regulatory approvals will be obtained, or obtained ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 577.10 Td (prior to the termination date.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (The merger) Tj ET Q q 0 0 0 rg BT 100.07 556.10 Td ( is subject to the r) Tj ET Q q 0 0 0 rg BT 175.71 556.10 Td (eceipt of consents and clearances fr) Tj ET Q q 0 0 0 rg BT 325.78 556.10 Td (om domestic and for) Tj ET Q q 0 0 0 rg BT 413.09 556.10 Td (eign r) Tj ET Q q 0 0 0 rg BT 437.62 556.10 Td (egulatory authorities that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (may impose conditions that could have a material adverse effect on us following the merger) Tj ET Q q 0 0 0 rg BT 437.92 544.10 Td (, or) Tj ET Q q 0 0 0 rg BT 451.44 544.10 Td (, if not obtained, could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (pr) Tj ET Q q 0 0 0 rg BT 59.82 532.10 Td (event the completion of the merger) Tj ET Q q 0 0 0 rg BT 207.46 532.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 511.10 Td (Before the mer) Tj ET Q q 0 0 0 rg BT 109.79 511.10 Td (ger can be completed, waiting periods must expire or terminate under applicable antitrust laws, including the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 499.10 Td (HSR ) Tj ET Q q 0 0 0 rg BT 71.40 499.10 Td (Act, and various approvals, consents or clearances must be obtained from certain other U.S. and non-U.S. regulatory ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 487.10 Td (authorities. In deciding whether to grant antitrust or regulatory clearances, the relevant authorities will consider the ef) Tj ET Q q 0 0 0 rg BT 520.21 487.10 Td (fect of the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 475.10 Td (mer) Tj ET Q q 0 0 0 rg BT 65.37 475.10 Td (ger on competition in the case of competition authorities and a variety of other factors, in the case of other authorities. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 463.10 Td (Although we and First Data have agreed in the mer) Tj ET Q q 0 0 0 rg BT 254.48 463.10 Td (ger agreement to use reasonable best ef) Tj ET Q q 0 0 0 rg BT 411.45 463.10 Td (forts to make certain governmental ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 451.10 Td (filings and, subject to certain limitations, obtain the required governmental authorizations, as the case may be, there can be no ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 439.10 Td (assurance that the relevant authorizations will be obtained. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (The governmental authorities from which these authorizations are required have broad discretion in administering the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (governing regulations. ) Tj ET Q q 0 0 0 rg BT 142.30 406.10 Td (The terms and conditions of approvals that are granted may require that the parties divest certain ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (businesses, assets, or products prior to or after the closing of the mer) Tj ET Q q 0 0 0 rg BT 324.20 394.10 Td (ger or impose requirements, limitations, costs or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (restrictions on the conduct of us following the closing of the mer) Tj ET Q q 0 0 0 rg BT 308.93 382.10 Td (ger) Tj ET Q q 0 0 0 rg BT 321.15 382.10 Td (. ) Tj ET Q q 0 0 0 rg BT 325.60 382.10 Td (At any time before or after completion of the mer) Tj ET Q q 0 0 0 rg BT 523.39 382.10 Td (ger) Tj ET Q q 0 0 0 rg BT 535.76 382.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (notwithstanding the termination of the waiting period under the Hart-Scott-Rodino ) Tj ET Q q 0 0 0 rg BT 382.71 370.10 Td (Act, the U.S. Department of Justice or the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 82.30 358.10 Td (T) Tj ET Q q 0 0 0 rg BT 88.06 358.10 Td (rade Commission, or any state or foreign governmental entity) Tj ET Q q 0 0 0 rg BT 333.74 358.10 Td (, could take such action under the antitrust laws as each ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (deems necessary or desirable in the public interest, including seeking to enjoin the completion of the mer) Tj ET Q q 0 0 0 rg BT 469.98 346.10 Td (ger or seeking ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (divestiture of substantial assets of ours or First Data. Private parties also may seek to take legal action under the antitrust laws ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (under certain circumstances.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 301.10 Td (Under the terms of the mer) Tj ET Q q 0 0 0 rg BT 157.84 301.10 Td (ger agreement, subject to certain conditions, both parties are required to use reasonable best ef) Tj ET Q q 0 0 0 rg BT 534.73 301.10 Td (forts ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 289.10 Td (to obtain all of the foregoing authorizations or approvals. Notwithstanding the foregoing, reasonable best ef) Tj ET Q q 0 0 0 rg BT 484.70 289.10 Td (forts does not ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 277.10 Td (require us in connection with obtaining Hart-Scott-Rodino clearance or any other approval required pursuant to any other ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 265.10 Td (antitrust or competition law in the Unites States to \(i\) defend any lawsuit or challenge any other action by any governmental ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 253.10 Td (entity adversely af) Tj ET Q q 0 0 0 rg BT 123.68 253.10 Td (fecting the parties) Tj ET Q q 0 0 0 rg BT 197.90 253.10 Td ( ability to complete the mer) Tj ET Q q 0 0 0 rg BT 307.96 253.10 Td (ger) Tj ET Q q 0 0 0 rg BT 320.33 253.10 Td (, \(ii\) sell, divest or otherwise encumber any asset or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 241.10 Td (business or \(iii\) agree to any limits or restrictions on certain actions.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (There can be no assurance that regulators will not impose terms, conditions, requirements, limitations, costs or restrictions that ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 208.10 Td (would delay the completion of the mer) Tj ET Q q 0 0 0 rg BT 204.78 208.10 Td (ger) Tj ET Q q 0 0 0 rg BT 217.14 208.10 Td (, impose additional material costs on or limit the revenues of us after the mer) Tj ET Q q 0 0 0 rg BT 524.38 208.10 Td (ger) Tj ET Q q 0 0 0 rg BT 536.74 208.10 Td (, or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 196.10 Td (limit some of the cost savings and other benefits that we expect following completion of the mer) Tj ET Q q 0 0 0 rg BT 435.83 196.10 Td (ger) Tj ET Q q 0 0 0 rg BT 448.05 196.10 Td (. In addition, we cannot ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 184.10 Td (provide any assurance that any such terms, conditions, requirements, limitations, costs, or restrictions will not result in the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 172.10 Td (abandonment of the mer) Tj ET Q q 0 0 0 rg BT 147.29 172.10 Td (ger) Tj ET Q q 0 0 0 rg BT 159.50 172.10 Td (. In addition, disruptions in government operations, such as the recent shutdown of the U.S. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 160.10 Td (government, could cause delay in obtaining approvals or increase processing times. ) Tj ET Q q 0 0 0 rg BT 385.74 160.10 Td (Any delay in completing the mer) Tj ET Q q 0 0 0 rg BT 517.47 160.10 Td (ger or any ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 148.10 Td (modification to the mer) Tj ET Q q 0 0 0 rg BT 143.96 148.10 Td (ger currently contemplated may adversely af) Tj ET Q q 0 0 0 rg BT 322.31 148.10 Td (fect the timing and amount of cost savings and other ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 136.10 Td (benefits that are expected to be achieved from the mer) Tj ET Q q 0 0 0 rg BT 266.66 136.10 Td (ger) Tj ET Q q 0 0 0 rg BT 278.88 136.10 Td (. ) Tj ET Q q 0 0 0 rg BT 283.70 136.10 Td (There can be no assurance that all required regulatory approvals will ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 124.10 Td (be obtained, or obtained prior to the termination date.) Tj ET Q endstream endobj 33 0 obj <> endobj 34 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Failur) Tj ET Q q 0 0 0 rg BT 76.48 742.25 Td (e to complete the merger) Tj ET Q q 0 0 0 rg BT 181.80 742.25 Td ( could negatively impact our) Tj ET Q q 0 0 0 rg BT 302.72 742.25 Td ( stock price and have a material adverse effect on our) Tj ET Q q 0 0 0 rg BT 530.27 742.25 Td ( r) Tj ET Q q 0 0 0 rg BT 537.03 742.25 Td (esults ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.25 Td (of operations, cash flows and financial position.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 709.25 Td (If the mer) Tj ET Q q 0 0 0 rg BT 89.24 709.25 Td (ger is not completed for any reason, including as a result of failure to obtain all requisite regulatory approvals, if our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 697.25 Td (shareholders fail to approve the issuance of shares to First Data shareholders in connection with the mer) Tj ET Q q 0 0 0 rg BT 465.81 697.25 Td (ger or if First Data) Tj ET Q q 0 0 0 rg BT 543.01 697.25 Td (s ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 685.25 Td (shareholders fail to approve the consummation of the mer) Tj ET Q q 0 0 0 rg BT 280.86 685.25 Td (ger) Tj ET Q q 0 0 0 rg BT 293.23 685.25 Td (, our ongoing businesses may be materially adversely af) Tj ET Q q 0 0 0 rg BT 517.15 685.25 Td (fected and, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 673.25 Td (without realizing any of the benefits of having completed the mer) Tj ET Q q 0 0 0 rg BT 311.96 673.25 Td (ger) Tj ET Q q 0 0 0 rg BT 324.33 673.25 Td (, we would be subject to a number of risks, including the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 661.25 Td (following:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 640.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 640.25 Td (we may experience negative reactions from the financial markets, including negative impacts on their respective stock ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 628.25 Td (prices;) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 607.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 607.25 Td (we and our respective subsidiaries may experience negative reactions from their respective customers, distributors, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 595.25 Td (suppliers, vendors, landlords, joint venture partners and other business partners;) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 574.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 574.25 Td (we will still be required to pay certain significant costs relating to the mer) Tj ET Q q 0 0 0 rg BT 372.01 574.25 Td (ger) Tj ET Q q 0 0 0 rg BT 384.38 574.25 Td (, such as costs associated with terminating ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 562.25 Td (the financing as well as legal, accounting, financial advisor and printing fees;) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 541.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 541.25 Td (we may be required to pay a cash termination fee equal to $665 million as required by the mer) Tj ET Q q 0 0 0 rg BT 453.91 541.25 Td (ger agreement;) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 520.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 520.25 Td (the mer) Tj ET Q q 0 0 0 rg BT 107.08 520.25 Td (ger agreement places certain restrictions on the conduct of the respective businesses pursuant to the terms of the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 508.25 Td (mer) Tj ET Q q 0 0 0 rg BT 92.37 508.25 Td (ger agreement, which may have delayed or prevented the respective companies from undertaking business ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 496.25 Td (opportunities that, absent the mer) Tj ET Q q 0 0 0 rg BT 210.40 496.25 Td (ger agreement, may have been pursued;) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 475.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 475.25 Td (matters relating to the mer) Tj ET Q q 0 0 0 rg BT 182.34 475.25 Td (ger \(including integration planning\) require substantial commitments of time and resources by ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 463.25 Td (each company) Tj ET Q q 0 0 0 rg BT 137.25 463.25 Td (s management, which could have resulted in the distraction of each company) Tj ET Q q 0 0 0 rg BT 447.70 463.25 Td (s management from ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 451.25 Td (ongoing business operations and pursuing other opportunities that could have been beneficial to the companies; and) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 430.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 430.25 Td (litigation related to any failure to complete the mer) Tj ET Q q 0 0 0 rg BT 280.63 430.25 Td (ger or related to any enforcement proceeding commenced against us ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 418.25 Td (to perform our obligations under the mer) Tj ET Q q 0 0 0 rg BT 240.11 418.25 Td (ger agreement.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 397.25 Td (If the mer) Tj ET Q q 0 0 0 rg BT 89.24 397.25 Td (ger is not completed, the risks described above may materialize and they may have a material adverse ef) Tj ET Q q 0 0 0 rg BT 506.11 397.25 Td (fect on our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 385.25 Td (results of operations, cash flows, financial position and stock prices.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.25 Td (Our) Tj ET Q q 0 0 0 rg BT 67.60 364.25 Td ( and First Data) Tj ET Q q 0 0 0 rg BT 135.28 364.25 Td (s business r) Tj ET Q q 0 0 0 rg BT 184.00 364.25 Td (elationships may be subject to disruption due to uncertainty associated with the merger) Tj ET Q q 0 0 0 rg BT 555.30 364.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 352.25 Td (which could have a material adverse effect on our) Tj ET Q q 0 0 0 rg BT 261.45 352.25 Td ( r) Tj ET Q q 0 0 0 rg BT 268.21 352.25 Td (esults of operations, cash flows and financial position following the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 340.25 Td (merger) Tj ET Q q 0 0 0 rg BT 80.17 340.25 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 319.25 Td (Parties with which we or First Data do business may experience uncertainty associated with the mer) Tj ET Q q 0 0 0 rg BT 449.99 319.25 Td (ger) Tj ET Q q 0 0 0 rg BT 462.35 319.25 Td (, including with respect ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 307.25 Td (to our or First Data) Tj ET Q q 0 0 0 rg BT 129.43 307.25 Td (s current or future business relationships following the mer) Tj ET Q q 0 0 0 rg BT 365.31 307.25 Td (ger) Tj ET Q q 0 0 0 rg BT 377.53 307.25 Td (. Our and First Data) Tj ET Q q 0 0 0 rg BT 460.01 307.25 Td (s business relationships ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 295.25 Td (may be subject to disruption as customers, distributors, suppliers, vendors, landlords, joint venture partners and other business ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 283.25 Td (partners may attempt to delay or defer entering into new business relationships, negotiate changes in existing business ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 271.25 Td (relationships or consider entering into business relationships with parties other than us or First Data following the mer) Tj ET Q q 0 0 0 rg BT 522.23 271.25 Td (ger) Tj ET Q q 0 0 0 rg BT 534.45 271.25 Td (. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 259.25 Td (These disruptions could have a material and adverse ef) Tj ET Q q 0 0 0 rg BT 269.18 259.25 Td (fect on our or First Data) Tj ET Q q 0 0 0 rg BT 368.32 259.25 Td (s results of operations, cash flows and financial ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 247.25 Td (position, regardless of whether the mer) Tj ET Q q 0 0 0 rg BT 205.88 247.25 Td (ger is completed, as well as a material and adverse ef) Tj ET Q q 0 0 0 rg BT 418.11 247.25 Td (fect on our ability to realize the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 235.25 Td (expected cost savings and other benefits of the mer) Tj ET Q q 0 0 0 rg BT 254.19 235.25 Td (ger) Tj ET Q q 0 0 0 rg BT 266.41 235.25 Td (. ) Tj ET Q q 0 0 0 rg BT 271.23 235.25 Td (The risk, and adverse ef) Tj ET Q q 0 0 0 rg BT 366.84 235.25 Td (fect, of any disruption could be exacerbated by a ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 223.25 Td (delay in completion of the mer) Tj ET Q q 0 0 0 rg BT 172.84 223.25 Td (ger or termination of the mer) Tj ET Q q 0 0 0 rg BT 288.45 223.25 Td (ger agreement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.25 Td (Uncertainties associated with the merger) Tj ET Q q 0 0 0 rg BT 223.66 202.25 Td ( may cause a loss of management personnel and other) Tj ET Q q 0 0 0 rg BT 452.08 202.25 Td ( key employees, which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.25 Td (could adversely affect our) Tj ET Q q 0 0 0 rg BT 160.07 190.25 Td ( futur) Tj ET Q q 0 0 0 rg BT 184.61 190.25 Td (e business and operations following the merger) Tj ET Q q 0 0 0 rg BT 383.70 190.25 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 169.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 169.25 Td (e depend on the experience and industry knowledge of of) Tj ET Q q 0 0 0 rg BT 287.54 169.25 Td (ficers and other key employees to execute our business plans. Our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 157.25 Td (success after the mer) Tj ET Q q 0 0 0 rg BT 133.39 157.25 Td (ger will depend in part upon our ability to retain key management personnel and other key employees. Our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 145.25 Td (and First Data) Tj ET Q q 0 0 0 rg BT 109.43 145.25 Td (s current and prospective employees may experience uncertainty about their roles following the mer) Tj ET Q q 0 0 0 rg BT 509.38 145.25 Td (ger or other ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 133.25 Td (concerns regarding the timing and completion of the mer) Tj ET Q q 0 0 0 rg BT 277.52 133.25 Td (ger or our operations following the mer) Tj ET Q q 0 0 0 rg BT 435.08 133.25 Td (ger) Tj ET Q q 0 0 0 rg BT 447.45 133.25 Td (, any of which may have an ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 121.25 Td (adverse ef) Tj ET Q q 0 0 0 rg BT 90.63 121.25 Td (fect on our or First Data) Tj ET Q q 0 0 0 rg BT 189.77 121.25 Td (s ability to attract or retain key management and other key personnel. If we or First Data are ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 109.25 Td (unable to retain personnel, including our and First Data) Tj ET Q q 0 0 0 rg BT 274.11 109.25 Td (s key management, who are critical to the future operations of the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 97.25 Td (companies, we could face disruptions in our operations, loss of existing customers, loss of key information, expertise or know-) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 85.25 Td (how and unanticipated additional recruitment and training costs. In addition, the loss of key personnel could diminish the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 73.25 Td (anticipated benefits of the mer) Tj ET Q q 0 0 0 rg BT 171.44 73.25 Td (ger) Tj ET Q q 0 0 0 rg BT 183.65 73.25 Td (. No assurance can be given that we, following the mer) Tj ET Q q 0 0 0 rg BT 403.40 73.25 Td (ger) Tj ET Q q 0 0 0 rg BT 415.77 73.25 Td (, will be able to retain or attract key ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 61.25 Td (management personnel and other key employees to the same extent that we and First Data have previously been able to retain ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 49.25 Td (or attract their own employees.) Tj ET Q endstream endobj 35 0 obj <> endobj 36 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (The merger) Tj ET Q q 0 0 0 rg BT 100.07 742.25 Td ( agr) Tj ET Q q 0 0 0 rg BT 116.83 742.25 Td (eement subjects us and First Data to r) Tj ET Q q 0 0 0 rg BT 278.57 742.25 Td (estrictions on our) Tj ET Q q 0 0 0 rg BT 352.83 742.25 Td ( r) Tj ET Q q 0 0 0 rg BT 359.59 742.25 Td (espective business activities prior) Tj ET Q q 0 0 0 rg BT 500.78 742.25 Td ( to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.25 Td (effective time of the merger) Tj ET Q q 0 0 0 rg BT 166.23 730.25 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 709.25 Td (The mer) Tj ET Q q 0 0 0 rg BT 83.41 709.25 Td (ger agreement subjects us and First Data to restrictions on our respective business activities prior to the ef) Tj ET Q q 0 0 0 rg BT 506.17 709.25 Td (fective time ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 697.25 Td (of the mer) Tj ET Q q 0 0 0 rg BT 90.91 697.25 Td (ger) Tj ET Q q 0 0 0 rg BT 103.13 697.25 Td (. ) Tj ET Q q 0 0 0 rg BT 107.95 697.25 Td (The mer) Tj ET Q q 0 0 0 rg BT 141.36 697.25 Td (ger agreement obligates us and First Data to generally operate its businesses in the ordinary course until ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 685.25 Td (the ef) Tj ET Q q 0 0 0 rg BT 72.30 685.25 Td (fective time of the mer) Tj ET Q q 0 0 0 rg BT 163.19 685.25 Td (ger and to use its reasonable best ef) Tj ET Q q 0 0 0 rg BT 304.91 685.25 Td (forts to maintain and preserve intact its business or) Tj ET Q q 0 0 0 rg BT 508.01 685.25 Td (ganization ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 673.25 Td (and advantageous business relationships on its actions. ) Tj ET Q q 0 0 0 rg BT 271.45 673.25 Td (These restrictions could prevent us and First Data from pursuing certain ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 661.25 Td (business opportunities that arise prior to the ef) Tj ET Q q 0 0 0 rg BT 235.06 661.25 Td (fective time of the mer) Tj ET Q q 0 0 0 rg BT 325.95 661.25 Td (ger and are outside the ordinary course of business. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.25 Td (W) Tj ET Q q 0 0 0 rg BT 59.45 640.25 Td (e may not be able to obtain our) Tj ET Q q 0 0 0 rg BT 191.77 640.25 Td ( pr) Tj ET Q q 0 0 0 rg BT 204.09 640.25 Td (eferr) Tj ET Q q 0 0 0 rg BT 224.99 640.25 Td (ed form of debt financing in connection with the merger) Tj ET Q q 0 0 0 rg BT 463.39 640.25 Td ( and on anticipated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.25 Td (terms.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 607.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 607.25 Td (e expect to fund the refinancing of certain outstanding indebtedness of First Data and its subsidiaries on the closing date, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 595.25 Td (making of cash payments in lieu of fractional shares as part of the mer) Tj ET Q q 0 0 0 rg BT 331.11 595.25 Td (ger consideration, and paying of fees and expenses ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 583.25 Td (related to the mer) Tj ET Q q 0 0 0 rg BT 120.06 583.25 Td (ger) Tj ET Q q 0 0 0 rg BT 132.43 583.25 Td (, the refinancing and the related transactions using a combination of cash on hand, the issuance of $12 ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 571.25 Td (billion in debt securities, the incurrence of $5 billion in borrowings under a new senior unsecured term loan facility) Tj ET Q q 0 0 0 rg BT 510.61 571.25 Td (, and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 559.25 Td (borrowings under our revolving credit facility) Tj ET Q q 0 0 0 rg BT 232.91 559.25 Td (. ) Tj ET Q q 0 0 0 rg BT 237.73 559.25 Td (W) Tj ET Q q 0 0 0 rg BT 246.37 559.25 Td (e have executed a $5 billion senior unsecured term loan facility and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 547.25 Td (amendments to our existing revolving credit facility to increase the size of that facility and make other changes, although ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 535.25 Td (drawing under each facility is subject to certain conditions. ) Tj ET Q q 0 0 0 rg BT 288.63 535.25 Td (W) Tj ET Q q 0 0 0 rg BT 297.67 535.25 Td (ith respect to the plan to issue $12 billion in debt securities, there ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 523.25 Td (is a risk that the markets will not allow us to execute this financing plan, or that such financing will not be available on ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 511.25 Td (favorable terms. ) Tj ET Q q 0 0 0 rg BT 116.92 511.25 Td (As a result, we may need to pursue other options to refinance the outstanding debt of First Data and its ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 499.25 Td (subsidiaries and fund these other amounts, including borrowing amounts under the bridge facility) Tj ET Q q 0 0 0 rg BT 438.99 499.25 Td (, which may result in less ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 487.25 Td (favorable financing terms that could increase costs and/or adversely impact the operations of the combined company) Tj ET Q q 0 0 0 rg BT 516.13 487.25 Td (. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 466.25 Td (Risks Relating to Fiserv Following the Proposed Merger with First Data) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 445.25 Td (W) Tj ET Q q 0 0 0 rg BT 59.45 445.25 Td (e may be unable to integrate the business of First Data successfully or) Tj ET Q q 0 0 0 rg BT 355.36 445.25 Td ( r) Tj ET Q q 0 0 0 rg BT 362.11 445.25 Td (ealize the anticipated benefits of the merger) Tj ET Q q 0 0 0 rg BT 547.25 445.25 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 424.25 Td (The mer) Tj ET Q q 0 0 0 rg BT 83.41 424.25 Td (ger involves the combination of two companies that currently operate as independent public companies. ) Tj ET Q q 0 0 0 rg BT 501.16 424.25 Td (The ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 412.25 Td (combination of two independent businesses is complex, costly and time consuming, and we and First Data will be required to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 400.25 Td (devote significant management attention and resources to integrating our and First Data) Tj ET Q q 0 0 0 rg BT 403.51 400.25 Td (s business practices and operations. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 388.25 Td (Potential dif) Tj ET Q q 0 0 0 rg BT 98.98 388.25 Td (ficulties that we may encounter as part of the integration process include the following:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 367.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 367.25 Td (the inability to successfully combine the business of First Data in a manner that permits us to achieve, on a timely basis, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 355.25 Td (or at all, the enhanced revenue opportunities and cost savings and other benefits anticipated to result from the mer) Tj ET Q q 0 0 0 rg BT 532.50 355.25 Td (ger;) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 334.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 334.25 Td (complexities associated with managing the combined businesses, including dif) Tj ET Q q 0 0 0 rg BT 391.48 334.25 Td (ficulty addressing possible dif) Tj ET Q q 0 0 0 rg BT 511.56 334.25 Td (ferences in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 322.25 Td (corporate cultures and management philosophies and the challenge of integrating complex systems, technology) Tj ET Q q 0 0 0 rg BT 521.50 322.25 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 310.25 Td (networks and other assets of each of the companies in a seamless manner that minimizes any adverse impact on ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 298.25 Td (customers, suppliers, employees and other constituencies; and) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 277.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 277.25 Td (potential unknown liabilities and unforeseen increased expenses or delays associated with the mer) Tj ET Q q 0 0 0 rg BT 468.92 277.25 Td (ger) Tj ET Q q 0 0 0 rg BT 481.14 277.25 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 256.25 Td (In addition, we and First Data have operated and, until the completion of the mer) Tj ET Q q 0 0 0 rg BT 373.61 256.25 Td (ger) Tj ET Q q 0 0 0 rg BT 385.98 256.25 Td (, will continue to operate, independently) Tj ET Q q 0 0 0 rg BT 546.67 256.25 Td (. It ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 244.25 Td (is possible that the integration process could result in:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 223.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 223.25 Td (diversion of the attention of each company) Tj ET Q q 0 0 0 rg BT 250.83 223.25 Td (s management; and) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 202.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 202.25 Td (the disruption of, or the loss of momentum in, each company) Tj ET Q q 0 0 0 rg BT 323.62 202.25 Td (s ongoing businesses or inconsistencies in standards, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 190.25 Td (controls, procedures and policies.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 169.25 Td (Any of these issues could adversely af) Tj ET Q q 0 0 0 rg BT 203.11 169.25 Td (fect our ability to maintain relationships with customers, suppliers, employees and other ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 157.25 Td (constituencies or achieve the anticipated benefits of the mer) Tj ET Q q 0 0 0 rg BT 289.17 157.25 Td (ger) Tj ET Q q 0 0 0 rg BT 301.53 157.25 Td (, or could reduce our earnings or otherwise adversely af) Tj ET Q q 0 0 0 rg BT 524.04 157.25 Td (fect the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 145.25 Td (business and financial results following the mer) Tj ET Q q 0 0 0 rg BT 240.89 145.25 Td (ger) Tj ET Q q 0 0 0 rg BT 253.11 145.25 Td (.) Tj ET Q endstream endobj 37 0 obj <> endobj 38 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Our) Tj ET Q q 0 0 0 rg BT 67.60 742.25 Td ( indebtedness following completion of the merger) Tj ET Q q 0 0 0 rg BT 276.84 742.25 Td ( will be substantially gr) Tj ET Q q 0 0 0 rg BT 376.12 742.25 Td (eater) Tj ET Q q 0 0 0 rg BT 397.58 742.25 Td ( than our) Tj ET Q q 0 0 0 rg BT 436.86 742.25 Td ( indebtedness prior) Tj ET Q q 0 0 0 rg BT 518.91 742.25 Td ( to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.25 Td (completion of the merger) Tj ET Q q 0 0 0 rg BT 156.54 730.25 Td (. ) Tj ET Q q 0 0 0 rg BT 161.36 730.25 Td (This incr) Tj ET Q q 0 0 0 rg BT 199.80 730.25 Td (eased level of indebtedness could adversely affect us, including by decr) Tj ET Q q 0 0 0 rg BT 499.89 730.25 Td (easing our) Tj ET Q q 0 0 0 rg BT 543.88 730.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.25 Td (business flexibility and incr) Tj ET Q q 0 0 0 rg BT 166.79 718.25 Td (easing our) Tj ET Q q 0 0 0 rg BT 210.78 718.25 Td ( inter) Tj ET Q q 0 0 0 rg BT 233.64 718.25 Td (est expense.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 697.25 Td (As of December 31, 2018, we had total indebtedness of approximately $6 billion and First Data had total indebtedness of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 685.25 Td (approximately $18 billion. Upon completion of the mer) Tj ET Q q 0 0 0 rg BT 272.00 685.25 Td (ger) Tj ET Q q 0 0 0 rg BT 284.37 685.25 Td (, we expect to incur acquisition-related debt financing of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 673.25 Td (approximately $17 billion, all of which is expected to be used to refinance certain outstanding indebtedness of First Data and its ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 661.25 Td (subsidiaries on the closing date, pay cash in lieu of fractional shares as part of the mer) Tj ET Q q 0 0 0 rg BT 393.88 661.25 Td (ger consideration, and pay fees and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 649.25 Td (expenses related to the mer) Tj ET Q q 0 0 0 rg BT 158.66 649.25 Td (ger) Tj ET Q q 0 0 0 rg BT 171.03 649.25 Td (, the refinancing and the related transactions. In addition, we have obtained an increase of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 637.25 Td ($1.5billion in the commitments available to us under our existing revolving credit facility) Tj ET Q q 0 0 0 rg BT 409.83 637.25 Td (, which increase is subject to the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 625.25 Td (closing of the mer) Tj ET Q q 0 0 0 rg BT 122.30 625.25 Td (ger and certain other conditions. ) Tj ET Q q 0 0 0 rg BT 253.37 625.25 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 302.71 625.25 Td (, our indebtedness following completion of the mer) Tj ET Q q 0 0 0 rg BT 507.48 625.25 Td (ger will be ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 613.25 Td (substantially greater than our indebtedness prior to completion of the mer) Tj ET Q q 0 0 0 rg BT 343.63 613.25 Td (ger) Tj ET Q q 0 0 0 rg BT 355.84 613.25 Td (. Our substantially increased indebtedness ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 601.25 Td (following completion of the mer) Tj ET Q q 0 0 0 rg BT 179.79 601.25 Td (ger could have the ef) Tj ET Q q 0 0 0 rg BT 263.46 601.25 Td (fect, among other things, of reducing our flexibility to respond to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 589.25 Td (changing business and economic conditions. In addition, the amount of cash required to pay interest on our increased ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 577.25 Td (indebtedness levels will increase following completion of the transaction, and thus the demands on our cash resources will be ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 565.25 Td (greater than the amount of cash flows required to service our indebtedness prior to the mer) Tj ET Q q 0 0 0 rg BT 412.20 565.25 Td (ger) Tj ET Q q 0 0 0 rg BT 424.41 565.25 Td (. ) Tj ET Q q 0 0 0 rg BT 429.23 565.25 Td (W) Tj ET Q q 0 0 0 rg BT 437.87 565.25 Td (e will also incur various costs ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 553.25 Td (and expenses associated with the financing of the mer) Tj ET Q q 0 0 0 rg BT 265.30 553.25 Td (ger) Tj ET Q q 0 0 0 rg BT 277.52 553.25 Td (. ) Tj ET Q q 0 0 0 rg BT 282.34 553.25 Td (The increased levels of indebtedness following completion of the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 541.25 Td (mer) Tj ET Q q 0 0 0 rg BT 65.37 541.25 Td (ger could also reduce funds available to fund our ef) Tj ET Q q 0 0 0 rg BT 270.94 541.25 Td (forts to integrate the business of First Data and realize the expected ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 529.25 Td (benefits of the mer) Tj ET Q q 0 0 0 rg BT 125.07 529.25 Td (ger and to engage in investments in product development, for working capital, capital expenditures, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 517.25 Td (acquisitions and other general corporate purposes, and may create competitive disadvantages for us relative to other companies ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 505.25 Td (with lower debt levels. If we do not achieve the expected benefits and cost savings from the mer) Tj ET Q q 0 0 0 rg BT 434.69 505.25 Td (ger) Tj ET Q q 0 0 0 rg BT 447.06 505.25 Td (, or if the financial ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 493.25 Td (performance of the combined company does not meet current expectations, then our ability to service our indebtedness, or to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 481.25 Td (reduce leverage levels based on debt repayment or cash flow generation, may be adversely impacted. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 460.25 Td (The indebtedness we incur under our new $5 billion term loan facility in connection with the mer) Tj ET Q q 0 0 0 rg BT 439.16 460.25 Td (ger and any indebtedness we ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 448.25 Td (incur under our revolving credit facility will bear interest at variable interest rates. If interest rates increase, variable rate debt ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 436.25 Td (will create higher debt service requirements, which could adversely af) Tj ET Q q 0 0 0 rg BT 330.26 436.25 Td (fect our cash flows. In addition, our credit ratings impact ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 424.25 Td (the cost and availability of future borrowings and, accordingly) Tj ET Q q 0 0 0 rg BT 299.00 424.25 Td (, our cost of capital. Our ratings reflect each rating or) Tj ET Q q 0 0 0 rg BT 511.51 424.25 Td (ganization) Tj ET Q q 0 0 0 rg BT 555.94 424.25 Td (s ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 412.25 Td (opinion of our financial strength, operating performance and ability to meet its debt obligations. In connection with the debt ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 400.25 Td (financing, it is anticipated that we will seek ratings of its indebtedness from Moody) Tj ET Q q 0 0 0 rg BT 386.60 400.25 Td (s Investors Service, Inc. and S&P) Tj ET Q q 0 0 0 rg BT 520.37 400.25 Td ( Global ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 388.25 Td (Ratings. ) Tj ET Q q 0 0 0 rg BT 85.38 388.25 Td (There can be no assurance that we will achieve a particular rating or maintain a particular rating in the future or that ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 376.25 Td (our ratings will not be adversely af) Tj ET Q q 0 0 0 rg BT 189.22 376.25 Td (fected by the factors described above.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 355.25 Td (Moreover) Tj ET Q q 0 0 0 rg BT 89.03 355.25 Td (, we may be required to raise substantial additional financing to fund working capital, capital expenditures, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 343.25 Td (acquisitions or other general corporate requirements. Our ability to arrange additional financing will depend on, among other ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 331.25 Td (factors, our financial position and performance, as well as prevailing market conditions and other factors beyond our control. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 319.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 319.25 Td (e cannot assure you that it will be able to obtain additional financing on terms acceptable to us or at all. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.25 Td (The estimated potential synergies attributable to the merger) Tj ET Q q 0 0 0 rg BT 306.16 298.25 Td ( may vary fr) Tj ET Q q 0 0 0 rg BT 359.01 298.25 Td (om expectations.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 277.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 277.25 Td (e may fail to realize the anticipated benefits and syner) Tj ET Q q 0 0 0 rg BT 274.19 277.25 Td (gies expected from the mer) Tj ET Q q 0 0 0 rg BT 382.86 277.25 Td (ger) Tj ET Q q 0 0 0 rg BT 395.22 277.25 Td (, which could adversely af) Tj ET Q q 0 0 0 rg BT 500.28 277.25 Td (fect our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 265.25 Td (business, financial condition and operating results. ) Tj ET Q q 0 0 0 rg BT 254.78 265.25 Td (The success of the mer) Tj ET Q q 0 0 0 rg BT 346.23 265.25 Td (ger will depend, in significant part, on our ability to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 253.25 Td (successfully integrate the acquired business, grow the revenue of the combined company and realize the anticipated strategic ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 241.25 Td (benefits and syner) Tj ET Q q 0 0 0 rg BT 122.57 241.25 Td (gies from the combination. ) Tj ET Q q 0 0 0 rg BT 232.65 241.25 Td (W) Tj ET Q q 0 0 0 rg BT 241.28 241.25 Td (e believe that the addition of First Data will complement our strategy by ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 229.25 Td (providing scale and revenue diversity) Tj ET Q q 0 0 0 rg BT 199.30 229.25 Td (, accelerate our growth strategy and enable us to have a strong global footprint. However) Tj ET Q q 0 0 0 rg BT 554.33 229.25 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 217.25 Td (achieving these goals requires growth of the revenue of the combined company and realization of the tar) Tj ET Q q 0 0 0 rg BT 467.44 217.25 Td (geted cost syner) Tj ET Q q 0 0 0 rg BT 531.68 217.25 Td (gies ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 205.25 Td (expected from the mer) Tj ET Q q 0 0 0 rg BT 140.05 205.25 Td (ger) Tj ET Q q 0 0 0 rg BT 152.27 205.25 Td (. ) Tj ET Q q 0 0 0 rg BT 157.09 205.25 Td (This growth and the anticipated benefits of the transaction may not be realized fully or at all, or may ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 193.25 Td (take longer to realize than expected. ) Tj ET Q q 0 0 0 rg BT 196.32 193.25 Td (Actual operating, technological, strategic and revenue opportunities, if achieved at all, may ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 181.25 Td (be less significant than expected or may take longer to achieve than anticipated. If we are not able to achieve these objectives ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 169.25 Td (and realize the anticipated benefits and syner) Tj ET Q q 0 0 0 rg BT 229.74 169.25 Td (gies expected from the mer) Tj ET Q q 0 0 0 rg BT 338.40 169.25 Td (ger within the anticipated timing or at all, our business, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 157.25 Td (financial condition and operating results may be adversely af) Tj ET Q q 0 0 0 rg BT 293.62 157.25 Td (fected.) Tj ET Q endstream endobj 39 0 obj <> endobj 40 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (W) Tj ET Q q 0 0 0 rg BT 59.45 742.25 Td (e expect to incur) Tj ET Q q 0 0 0 rg BT 129.52 742.25 Td ( substantial expenses r) Tj ET Q q 0 0 0 rg BT 225.19 742.25 Td (elated to the merger) Tj ET Q q 0 0 0 rg BT 310.80 742.25 Td ( and integration.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 721.25 Td (e expect to incur substantial expenses in connection with the mer) Tj ET Q q 0 0 0 rg BT 318.38 721.25 Td (ger and the related integration. ) Tj ET Q q 0 0 0 rg BT 443.14 721.25 Td (There are a lar) Tj ET Q q 0 0 0 rg BT 500.97 721.25 Td (ge number of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 709.25 Td (processes, policies, procedures, operations, technologies and systems that may need to be integrated, including purchasing, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 697.25 Td (accounting and finance, sales, payroll, pricing and benefits. ) Tj ET Q q 0 0 0 rg BT 289.74 697.25 Td (While we have assumed that a certain level of expenses will be ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 685.25 Td (incurred, there are many factors beyond our control that could af) Tj ET Q q 0 0 0 rg BT 308.33 685.25 Td (fect the total amount or the timing of the integration expenses. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 673.25 Td (Moreover) Tj ET Q q 0 0 0 rg BT 89.03 673.25 Td (, many of the expenses that will be incurred are, by their nature, dif) Tj ET Q q 0 0 0 rg BT 357.64 673.25 Td (ficult to estimate accurately) Tj ET Q q 0 0 0 rg BT 467.77 673.25 Td (. ) Tj ET Q q 0 0 0 rg BT 472.59 673.25 Td (These expenses ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 661.25 Td (could, particularly in the near term, exceed the savings that we expect to achieve from the elimination of duplicative expenses ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 649.25 Td (and the realization of economies of scale and cost savings. ) Tj ET Q q 0 0 0 rg BT 286.13 649.25 Td (These integration expenses may result in us taking significant ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 637.25 Td (char) Tj ET Q q 0 0 0 rg BT 67.03 637.25 Td (ges against earnings following the completion of the mer) Tj ET Q q 0 0 0 rg BT 294.57 637.25 Td (ger) Tj ET Q q 0 0 0 rg BT 306.93 637.25 Td (, and the amount and timing of such char) Tj ET Q q 0 0 0 rg BT 470.32 637.25 Td (ges are uncertain at ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 625.25 Td (present.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.25 Td (Our) Tj ET Q q 0 0 0 rg BT 67.60 604.25 Td ( futur) Tj ET Q q 0 0 0 rg BT 92.14 604.25 Td (e r) Tj ET Q q 0 0 0 rg BT 103.33 604.25 Td (esults following the merger) Tj ET Q q 0 0 0 rg BT 218.41 604.25 Td ( will suffer) Tj ET Q q 0 0 0 rg BT 263.77 604.25 Td ( if we do not effectively manage our) Tj ET Q q 0 0 0 rg BT 414.95 604.25 Td ( expanded operations. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 583.25 Td (Following the mer) Tj ET Q q 0 0 0 rg BT 123.70 583.25 Td (ger) Tj ET Q q 0 0 0 rg BT 136.07 583.25 Td (, the size of our business will increase significantly beyond the current size of either our or First Data) Tj ET Q q 0 0 0 rg BT 543.45 583.25 Td (s ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 571.25 Td (business. Our future success will depend, in part, upon our ability to manage this expanded business, which will pose ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 559.25 Td (substantial challenges for management, including challenges related to the management and monitoring of new operations and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 547.25 Td (associated increased costs and complexity) Tj ET Q q 0 0 0 rg BT 217.63 547.25 Td (. ) Tj ET Q q 0 0 0 rg BT 222.45 547.25 Td (W) Tj ET Q q 0 0 0 rg BT 231.08 547.25 Td (e may also face increased scrutiny from governmental authorities as a result of the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 535.25 Td (significant increase in the size of its business. ) Tj ET Q q 0 0 0 rg BT 234.50 535.25 Td (There can be no assurances that we will be successful or that it will realize the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 523.25 Td (expected operating ef) Tj ET Q q 0 0 0 rg BT 135.88 523.25 Td (ficiencies, cost savings, revenue enhancements or other benefits currently anticipated from the mer) Tj ET Q q 0 0 0 rg BT 531.10 523.25 Td (ger) Tj ET Q q 0 0 0 rg BT 543.32 523.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.25 Td (Following the merger) Tj ET Q q 0 0 0 rg BT 140.72 502.25 Td (, our) Tj ET Q q 0 0 0 rg BT 160.54 502.25 Td ( business may be adversely affected by geopolitical, r) Tj ET Q q 0 0 0 rg BT 385.06 502.25 Td (egulatory and other) Tj ET Q q 0 0 0 rg BT 469.32 502.25 Td ( risks associated with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.25 Td (operations outside of the United States and we may incur) Tj ET Q q 0 0 0 rg BT 292.88 490.25 Td ( higher) Tj ET Q q 0 0 0 rg BT 322.97 490.25 Td ( than anticipated costs and may become mor) Tj ET Q q 0 0 0 rg BT 512.50 490.25 Td (e ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.25 Td (susceptible to these risks.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 457.25 Td (After completion of the mer) Tj ET Q q 0 0 0 rg BT 162.00 457.25 Td (ger) Tj ET Q q 0 0 0 rg BT 174.37 457.25 Td (, we will have significantly expanded our international presence by of) Tj ET Q q 0 0 0 rg BT 453.26 457.25 Td (fering merchant acquiring, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 445.25 Td (processing and issuing services outside of the United States, including in ) Tj ET Q q 0 0 0 rg BT 343.29 445.25 Td (Ar) Tj ET Q q 0 0 0 rg BT 353.66 445.25 Td (gentina, Brazil, Germany) Tj ET Q q 0 0 0 rg BT 454.09 445.25 Td (, India, Ireland, the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 433.25 Td (Netherlands, Poland and the United Kingdom, where First Data) Tj ET Q q 0 0 0 rg BT 307.17 433.25 Td (s principal non-U.S. operations are currently located. Our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 421.25 Td (revenues derived from these and other non-U.S. operations will be subject to additional risks, including those resulting from ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 409.25 Td (social and geopolitical instability and unfavorable political or diplomatic developments, all of which could negatively impact ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 397.25 Td (our financial results. For example, the United Kingdom) Tj ET Q q 0 0 0 rg BT 274.67 397.25 Td (s decision to leave the European Union may add cost and complexity in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 385.25 Td (various aspects of our business as United Kingdom and European Union laws and regulations diver) Tj ET Q q 0 0 0 rg BT 447.51 385.25 Td (ge. ) Tj ET Q q 0 0 0 rg BT 461.77 385.25 Td (W) Tj ET Q q 0 0 0 rg BT 470.41 385.25 Td (e will also be subject ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 373.25 Td (to potential non-U.S. governmental intervention and new laws and new regulations that we were not previously subject to, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 361.25 Td (which could increase costs and may have potential negative ef) Tj ET Q q 0 0 0 rg BT 298.89 361.25 Td (fects on our business.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 340.25 Td (The merger) Tj ET Q q 0 0 0 rg BT 100.07 340.25 Td ( may r) Tj ET Q q 0 0 0 rg BT 127.66 340.25 Td (esult in a loss of customers, distributors, suppliers, vendors, landlords, joint ventur) Tj ET Q q 0 0 0 rg BT 480.29 340.25 Td (e partners or) Tj ET Q q 0 0 0 rg BT 535.64 340.25 Td ( other) Tj ET Q q 0 0 0 rg BT 560.73 340.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.25 Td (business partners and may r) Tj ET Q q 0 0 0 rg BT 170.95 328.25 Td (esult in the termination of existing contracts.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 307.25 Td (Following the mer) Tj ET Q q 0 0 0 rg BT 123.70 307.25 Td (ger) Tj ET Q q 0 0 0 rg BT 136.07 307.25 Td (, some of our or First Data) Tj ET Q q 0 0 0 rg BT 244.66 307.25 Td (s customers, distributors, suppliers, vendors, landlords, joint venture partners ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 295.25 Td (and other business partners may terminate or scale back their current or prospective business relationships with us. Some ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 283.25 Td (customers may not wish to source a lar) Tj ET Q q 0 0 0 rg BT 205.62 283.25 Td (ger percentage of their needs from a single company or may feel that we are too closely ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 271.25 Td (allied with one of their competitors. In addition, we and First Data have contracts with customers, distributors, suppliers, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 259.25 Td (vendors, landlords, joint venture partners and other business partners that may require us or First Data to obtain consents from ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 247.25 Td (these other parties in connection with the mer) Tj ET Q q 0 0 0 rg BT 232.26 247.25 Td (ger) Tj ET Q q 0 0 0 rg BT 244.63 247.25 Td (, which may not be obtained on favorable terms or at all. If relationships with ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 235.25 Td (customers, distributors, suppliers, vendors, landlords, joint venture partners and other business partners are adversely af) Tj ET Q q 0 0 0 rg BT 528.31 235.25 Td (fected ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 223.25 Td (by the mer) Tj ET Q q 0 0 0 rg BT 92.58 223.25 Td (ger) Tj ET Q q 0 0 0 rg BT 104.95 223.25 Td (, or if we, following the mer) Tj ET Q q 0 0 0 rg BT 217.52 223.25 Td (ger) Tj ET Q q 0 0 0 rg BT 229.89 223.25 Td (, lose the benefits of our or First Data) Tj ET Q q 0 0 0 rg BT 382.35 223.25 Td (s contracts, our business and financial ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 211.25 Td (performance could suf) Tj ET Q q 0 0 0 rg BT 139.78 211.25 Td (fer) Tj ET Q q 0 0 0 rg BT 150.33 211.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.25 Td (Following the merger) Tj ET Q q 0 0 0 rg BT 140.72 190.25 Td (, First Data) Tj ET Q q 0 0 0 rg BT 192.28 190.25 Td (s Global Business Solutions business, as integrated into Fiserv) Tj ET Q q 0 0 0 rg BT 454.83 190.25 Td (, will depend, in part, on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.25 Td (mer) Tj ET Q q 0 0 0 rg BT 67.03 178.25 Td (chant r) Tj ET Q q 0 0 0 rg BT 97.68 178.25 Td (elationships and alliances. If we ar) Tj ET Q q 0 0 0 rg BT 244.17 178.25 Td (e unable to maintain these r) Tj ET Q q 0 0 0 rg BT 362.60 178.25 Td (elationships and alliances, our) Tj ET Q q 0 0 0 rg BT 490.78 178.25 Td ( business may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.25 Td (be adversely affected.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 145.25 Td (After completion of the mer) Tj ET Q q 0 0 0 rg BT 162.00 145.25 Td (ger) Tj ET Q q 0 0 0 rg BT 174.37 145.25 Td (, our alliance structures are expected to continue, as they did at First Data, to take dif) Tj ET Q q 0 0 0 rg BT 513.24 145.25 Td (ferent ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 133.25 Td (forms, including consolidated subsidiaries, equity method investments, and revenue sharing arrangements. Under First Data) Tj ET Q q 0 0 0 rg BT 548.50 133.25 Td (s ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 121.25 Td (current alliance program \(and as is expected to continue with the combined company\), a bank or other institution forms an ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 109.25 Td (alliance with First Data on an exclusive basis, either contractually or through a separate legal entity) Tj ET Q q 0 0 0 rg BT 446.44 109.25 Td (. Merchant contracts may be ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 97.25 Td (contributed to the alliance by First Data and/or the bank or institution. ) Tj ET Q q 0 0 0 rg BT 332.26 97.25 Td (The banks and other institutions generally provide card ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 85.25 Td (association sponsorship, clearing, and settlement services and typically act as a merchant referral source when the institution ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 73.25 Td (has an existing banking or other relationship with such merchant. First Data provides transaction processing and related ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 61.25 Td (functions. Both First Data and its alliance partners may also provide management, sales, marketing, and other administrative ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 49.25 Td (services. ) Tj ET Q q 0 0 0 rg BT 87.03 49.25 Td (The alliance structure allows First Data to be the processor for multiple financial institutions, any one of which may ) Tj ET Q endstream endobj 41 0 obj <> endobj 42 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (18) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (be selected by the merchant as its bank partner) Tj ET Q q 0 0 0 rg BT 236.04 742.10 Td (. First Data) Tj ET Q q 0 0 0 rg BT 283.54 742.10 Td (s Global Business Solutions business, and the combined company) Tj ET Q q 0 0 0 rg BT 546.48 742.10 Td (, is ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (expected to continue to be, dependent, in part, on merchant relationships, alliances, and other distribution channels. First Data ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (is working, and we expect the combined company to continue to work, with alliance partners to grow their businesses. ) Tj ET Q q 0 0 0 rg BT 525.81 718.10 Td (There ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (can be no guarantee that First Data) Tj ET Q q 0 0 0 rg BT 192.17 706.10 Td (s, or the combined company) Tj ET Q q 0 0 0 rg BT 307.97 706.10 Td (s, ef) Tj ET Q q 0 0 0 rg BT 324.45 706.10 Td (forts will be successful and that First Data, or the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (combined company) Tj ET Q q 0 0 0 rg BT 127.94 694.10 Td (, will achieve growth in merchant relationships, alliances, and other distribution channels. In addition, First ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (Data) Tj ET Q q 0 0 0 rg BT 71.66 682.10 Td (s contractual arrangements with merchants and merchant alliance partners are, and the combined company) Tj ET Q q 0 0 0 rg BT 500.37 682.10 Td (s are expected ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (to continue to be, for fixed terms and may also allow for early termination upon the occurrence of certain events. ) Tj ET Q q 0 0 0 rg BT 503.54 670.10 Td (There can be ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (no assurance that First Data, or the combined company) Tj ET Q q 0 0 0 rg BT 269.57 658.10 Td (, will be able to renew contractual arrangements with these merchants or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (merchant alliance partners on similar terms or at all. Following the mer) Tj ET Q q 0 0 0 rg BT 334.73 646.10 Td (ger) Tj ET Q q 0 0 0 rg BT 347.10 646.10 Td (, the loss of merchant relationships or alliance and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (financial institution partners could negatively impact our business and result in a reduction of its revenue and profit. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 613.10 Td (New Omaha Holdings L.P) Tj ET Q q 0 0 0 rg BT 160.76 613.10 Td (. may sell a substantial amount of our) Tj ET Q q 0 0 0 rg BT 320.60 613.10 Td ( common stock shortly after) Tj ET Q q 0 0 0 rg BT 439.83 613.10 Td ( the completion of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 601.10 Td (merger) Tj ET Q q 0 0 0 rg BT 80.90 601.10 Td ( as certain r) Tj ET Q q 0 0 0 rg BT 131.54 601.10 Td (estrictions on sales expir) Tj ET Q q 0 0 0 rg BT 235.51 601.10 Td (e, and these sales could cause the price of our) Tj ET Q q 0 0 0 rg BT 427.54 601.10 Td ( common stock to fall.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (Pursuant to a shareholder agreement, New Omaha Holdings L.P) Tj ET Q q 0 0 0 rg BT 305.49 580.10 Td (. \(New Omaha\), which is expected to own approximately ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 568.10 Td (16% of our outstanding shares upon the closing of the mer) Tj ET Q q 0 0 0 rg BT 283.66 568.10 Td (ger transaction, is prohibited from selling shares of our common ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (stock for the first three months following the completion of the mer) Tj ET Q q 0 0 0 rg BT 320.03 556.10 Td (ger) Tj ET Q q 0 0 0 rg BT 332.25 556.10 Td (. ) Tj ET Q q 0 0 0 rg BT 336.70 556.10 Td (After the three-month anniversary of the completion of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (the mer) Tj ET Q q 0 0 0 rg BT 80.08 544.10 Td (ger) Tj ET Q q 0 0 0 rg BT 92.45 544.10 Td (, New Omaha may sell such shares, subject to certain limitations contained in the shareholder agreement. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 99.90 532.10 Td (, under the registration rights agreement, we have granted New Omaha registration rights, which permit, among ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 520.10 Td (others, underwritten of) Tj ET Q q 0 0 0 rg BT 141.18 520.10 Td (ferings. ) Tj ET Q q 0 0 0 rg BT 173.77 520.10 Td (The registration rights agreement will terminate when the aggregate ownership percentage of the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 508.10 Td (issued and outstanding shares of our common stock held by New Omaha and its af) Tj ET Q q 0 0 0 rg BT 380.31 508.10 Td (filiate transferees falls below 2% and such ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 496.10 Td (shares may be freely sold without restrictions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 475.10 Td (New Omaha may have influence over) Tj ET Q q 0 0 0 rg BT 208.96 475.10 Td ( us following completion of the merger) Tj ET Q q 0 0 0 rg BT 372.65 475.10 Td ( and its inter) Tj ET Q q 0 0 0 rg BT 426.64 475.10 Td (ests may conflict with other) Tj ET Q q 0 0 0 rg BT 543.65 475.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 463.10 Td (shar) Tj ET Q q 0 0 0 rg BT 68.71 463.10 Td (eholders.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (Upon completion of the mer) Tj ET Q q 0 0 0 rg BT 163.13 442.10 Td (ger) Tj ET Q q 0 0 0 rg BT 175.49 442.10 Td (, New Omaha is expected to own approximately 16% of our issued and outstanding shares and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (is expected to be our lar) Tj ET Q q 0 0 0 rg BT 145.62 430.10 Td (gest shareholder) Tj ET Q q 0 0 0 rg BT 210.32 430.10 Td (. Concurrently with the execution of the mer) Tj ET Q q 0 0 0 rg BT 387.86 430.10 Td (ger agreement, we entered into a ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (shareholder agreement and the registration rights agreement with New Omaha, which give New Omaha certain rights. Under ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (the shareholder agreement, New Omaha may designate a director to serve on our board of directors in accordance with the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (terms thereof until the aggregate ownership percentage of our issued and outstanding shares of common stock held by New ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (Omaha and its af) Tj ET Q q 0 0 0 rg BT 117.85 382.10 Td (filiate transferees first falls below 5%. ) Tj ET Q q 0 0 0 rg BT 272.89 382.10 Td (The shareholder agreement will terminate when the aggregate ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (ownership percentage of our outstanding shares held by New Omaha and certain of its af) Tj ET Q q 0 0 0 rg BT 405.26 370.10 Td (filiates falls below 3%. ) Tj ET Q q 0 0 0 rg BT 499.40 370.10 Td (Although there ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (are various restrictions on New Omaha) Tj ET Q q 0 0 0 rg BT 209.12 358.10 Td (s ability to take certain actions with respect to us and our shareholders \(including ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (certain standstill provisions for so long as New Omaha) Tj ET Q q 0 0 0 rg BT 272.18 346.10 Td (s aggregate ownership percentage of the issued and outstanding shares ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (of our common stock remains at or above 5%\), New Omaha may seek to influence, and may be able to influence, us through its ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (appointment of a director to our board of directors and its share ownership.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 301.10 Td (Item1B.Unr) Tj ET Q q 0 0 0 rg BT 108.70 301.10 Td (esolved Staff Comments) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 280.10 Td (None.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 259.10 Td (Item2.Pr) Tj ET Q q 0 0 0 rg BT 95.36 259.10 Td (operties) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (As of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 74.44 238.10 Td (December31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 153.03 238.10 Td (, we operated data, development, item processing and support centers in approximately 95 cities. ) Tj ET Q q 0 0 0 rg BT 542.17 238.10 Td (W) Tj ET Q q 0 0 0 rg BT 550.81 238.10 Td (e ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (owned buildings in five locations, and the more than 100 remaining locations where we operated our businesses are subject to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (leases. ) Tj ET Q q 0 0 0 rg BT 78.70 214.10 Td (W) Tj ET Q q 0 0 0 rg BT 87.33 214.10 Td (e believe that the facilities and equipment that we own and lease are well maintained, are in good operating condition, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (and are adequate for our business needs. However) Tj ET Q q 0 0 0 rg BT 250.08 202.10 Td (, we may choose to combine existing operations to enhance business ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (integration. ) Tj ET Q q 0 0 0 rg BT 98.14 190.10 Td (W) Tj ET Q q 0 0 0 rg BT 106.78 190.10 Td (e maintain our own, and contract with multiple service providers to provide, processing back-up in the event of a ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (disaster) Tj ET Q q 0 0 0 rg BT 80.00 178.10 Td (. ) Tj ET Q q 0 0 0 rg BT 84.81 178.10 Td (W) Tj ET Q q 0 0 0 rg BT 93.45 178.10 Td (e also maintain copies of data and software used in our business in locations that are separate from our facilities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 157.10 Td (Item3.Legal Pr) Tj ET Q q 0 0 0 rg BT 121.74 157.10 Td (oceedings) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 136.10 Td (In the normal course of business, we or our subsidiaries are named as defendants in lawsuits in which claims are asserted ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 124.10 Td (against us. In the opinion of management, the liabilities, if any) Tj ET Q q 0 0 0 rg BT 299.57 124.10 Td (, which may ultimately result from such lawsuits are not ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 112.10 Td (expected to have a material adverse ef) Tj ET Q q 0 0 0 rg BT 202.51 112.10 Td (fect on our consolidated financial statements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 91.10 Td (Item4.Mine Safety Disclosur) Tj ET Q q 0 0 0 rg BT 178.69 91.10 Td (es) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (Not applicable.) Tj ET Q endstream endobj 43 0 obj <> endobj 44 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 195.75 742.25 Td (EXECUTIVE OFFICERS OF) Tj ET Q q 0 0 0 rg BT 324.29 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 326.60 742.25 Td (THE REGISTRANT) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (The names of our executive of) Tj ET Q q 0 0 0 rg BT 171.71 721.25 Td (ficers as of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 218.08 721.25 Td (February21, 2019) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 291.68 721.25 Td (, together with their ages, positions and business experience are ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 709.25 Td (described below:) Tj ET Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 71 687.9833984375 m 94.876953125 687.9833984375 l s q 0 0 0 rg BT 71.00 689.32 Td (Name) Tj ET Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 249 687.9833984375 m 265.66015625 687.9833984375 l s q 0 0 0 rg BT 249.00 689.32 Td (Age) Tj ET Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 282 687.9833984375 m 300.5302734375 687.9833984375 l s q 0 0 0 rg BT 282.00 689.32 Td (T) Tj ET Q q 0 0 0 rg BT 287.76 689.32 Td (itle) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 675.32 Td (Jef) Tj ET Q q 0 0 0 rg BT 82.57 675.32 Td (fery ) Tj ET Q q 0 0 0 rg BT 100.99 675.32 Td (W) Tj ET Q q 0 0 0 rg BT 109.88 675.32 Td (. ) Tj ET Q q 0 0 0 rg BT 114.23 675.32 Td (Y) Tj ET Q q 0 0 0 rg BT 120.77 675.32 Td (abuki) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 249.00 675.32 Td (58) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 282.00 675.32 Td (President, Chief Executive Of) Tj ET Q q 0 0 0 rg BT 401.88 675.32 Td (ficer and Director) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 661.32 Td (Robert ) Tj ET Q q 0 0 0 rg BT 100.63 661.32 Td (W) Tj ET Q q 0 0 0 rg BT 109.52 661.32 Td (. Hau) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 249.00 661.32 Td (53) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 282.00 661.32 Td (Chief Financial Of) Tj ET Q q 0 0 0 rg BT 356.89 661.32 Td (ficer and ) Tj ET Q q 0 0 0 rg BT 394.46 661.32 Td (T) Tj ET Q q 0 0 0 rg BT 400.31 661.32 Td (reasurer) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 647.32 Td (L) Tj ET Q q 0 0 0 rg BT 76.83 647.32 Td (ynn S. McCreary) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 249.00 647.32 Td (59) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 282.00 647.32 Td (Chief Legal Of) Tj ET Q q 0 0 0 rg BT 342.44 647.32 Td (ficer and Secretary) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 633.32 Td (Devin B. McGranahan) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 249.00 633.32 Td (49) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 282.00 633.32 Td (Senior Group President) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 619.32 Td (Kevin J. Schultz) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 249.00 619.32 Td (61) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 282.00 619.32 Td (Executive ) Tj ET Q q 0 0 0 rg BT 324.39 619.32 Td (V) Tj ET Q q 0 0 0 rg BT 331.22 619.32 Td (ice President, President, International Group) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 605.32 Td (Byron C. ) Tj ET Q q 0 0 0 rg BT 109.99 605.32 Td (V) Tj ET Q q 0 0 0 rg BT 116.61 605.32 Td (ielehr) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 249.00 605.32 Td (55) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 282.00 605.32 Td (Chief ) Tj ET Q q 0 0 0 rg BT 306.17 605.32 Td (Administrative Of) Tj ET Q q 0 0 0 rg BT 379.03 605.32 Td (ficer) Tj ET Q BT /F2 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 580.25 Td (Mr) Tj ET Q q 0 0 0 rg BT 61.11 580.25 Td (.Y) Tj ET Q q 0 0 0 rg BT 70.76 580.25 Td (abuki) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 92.97 580.25 Td ( has been a director and our President and Chief Executive Of) Tj ET Q q 0 0 0 rg BT 340.21 580.25 Td (ficer since 2005. Before joining Fiserv) Tj ET Q q 0 0 0 rg BT 493.96 580.25 Td (, Mr) Tj ET Q q 0 0 0 rg BT 510.63 580.25 Td (.) Tj ET Q q 0 0 0 rg BT 515.26 580.25 Td (Y) Tj ET Q q 0 0 0 rg BT 521.48 580.25 Td (abuki ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 568.25 Td (served as executive vice president and chief operating of) Tj ET Q q 0 0 0 rg BT 276.39 568.25 Td (ficer of H&R Block, Inc., a financial services firm, from 2002 to 2005. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 556.25 Td (From 2001 to 2002, he served as executive vice president of H&R Block and from 1999 to 2001, he served as the president of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 544.25 Td (H&R Block International. From 1987 to 1999, Mr) Tj ET Q q 0 0 0 rg BT 250.26 544.25 Td (.) Tj ET Q q 0 0 0 rg BT 254.89 544.25 Td (Y) Tj ET Q q 0 0 0 rg BT 261.11 544.25 Td (abuki held various executive positions with the ) Tj ET Q q 0 0 0 rg BT 451.36 544.25 Td (American Express ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 532.25 Td (Company) Tj ET Q q 0 0 0 rg BT 88.24 532.25 Td (, a financial services firm, including president and chief executive of) Tj ET Q q 0 0 0 rg BT 362.39 532.25 Td (ficer of ) Tj ET Q q 0 0 0 rg BT 393.49 532.25 Td (American Express ) Tj ET Q q 0 0 0 rg BT 469.39 532.25 Td (T) Tj ET Q q 0 0 0 rg BT 474.80 532.25 Td (ax and Business ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 520.25 Td (Services, Inc.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 499.25 Td (Mr) Tj ET Q q 0 0 0 rg BT 61.11 499.25 Td (. Hau) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 83.33 499.25 Td ( has served as Chief Financial Of) Tj ET Q q 0 0 0 rg BT 215.89 499.25 Td (ficer since 2016. Before joining Fiserv) Tj ET Q q 0 0 0 rg BT 369.65 499.25 Td (, Mr) Tj ET Q q 0 0 0 rg BT 386.32 499.25 Td (. Hau served as executive vice president ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 487.25 Td (and chief financial of) Tj ET Q q 0 0 0 rg BT 135.05 487.25 Td (ficer at ) Tj ET Q q 0 0 0 rg BT 165.41 487.25 Td (TE Connectivity Ltd., a global technology company that designs and manufactures highly ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 475.25 Td (engineered connectivity and sensor products, from 2012 to 2016. From 2009 to 2012, he served as executive vice president and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 463.25 Td (chief financial of) Tj ET Q q 0 0 0 rg BT 118.12 463.25 Td (ficer at Lennox International Inc., a provider of products and services in the heating, air conditioning, and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 451.25 Td (refrigeration markets; and from 2006 to 2009, he served as vice president and chief financial of) Tj ET Q q 0 0 0 rg BT 430.79 451.25 Td (ficer for the aerospace business ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 439.25 Td (group of Honeywell International, Inc., a technology and manufacturing company) Tj ET Q q 0 0 0 rg BT 377.02 439.25 Td (. Mr) Tj ET Q q 0 0 0 rg BT 393.69 439.25 Td (. Hau joined Honeywell \(initially ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 427.25 Td (AlliedSignal\) in 1987 and served in a variety of senior financial leadership positions, including vice president and chief ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 415.25 Td (financial of) Tj ET Q q 0 0 0 rg BT 95.63 415.25 Td (ficer for the company) Tj ET Q q 0 0 0 rg BT 184.76 415.25 Td (s aerospace electronic systems unit and for its specialty materials business group.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 394.25 Td (Ms.McCr) Tj ET Q q 0 0 0 rg BT 90.18 394.25 Td (eary) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 107.95 394.25 Td ( has served as Chief Legal Of) Tj ET Q q 0 0 0 rg BT 226.06 394.25 Td (ficer and Secretary since 2013. Ms.McCreary joined Fiserv in 2010 as senior vice ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 382.25 Td (president and deputy general counsel. Prior to joining Fiserv) Tj ET Q q 0 0 0 rg BT 291.25 382.25 Td (, Ms.McCreary was an attorney with the law firm of Bryan Cave ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 370.25 Td (LLP) Tj ET Q q 0 0 0 rg BT 67.41 370.25 Td ( from 1996 to 2010, including serving as managing partner of its San Francisco, California of) Tj ET Q q 0 0 0 rg BT 440.76 370.25 Td (fice from its opening in 2008 ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 358.25 Td (to 2010. Ms. McCreary began her career in financial services with positions at Citicorp Person-to-Person and Metropolitan Life ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 346.25 Td (Insurance Company) Tj ET Q q 0 0 0 rg BT 133.03 346.25 Td (s mortgage subsidiary) Tj ET Q q 0 0 0 rg BT 220.15 346.25 Td (, Metmor Financial, Inc.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 325.25 Td (Mr) Tj ET Q q 0 0 0 rg BT 61.11 325.25 Td (. McGranahan) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 120.00 325.25 Td ( has served as Senior Group President since 2018 and joined Fiserv in 2016 as group president, Billing and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 313.25 Td (Payments Group. Before joining Fiserv) Tj ET Q q 0 0 0 rg BT 206.83 313.25 Td (, Mr) Tj ET Q q 0 0 0 rg BT 223.50 313.25 Td (. McGranahan served as a senior partner at McKinsey & Company) Tj ET Q q 0 0 0 rg BT 489.71 313.25 Td (, a global ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 301.25 Td (management consulting firm. ) Tj ET Q q 0 0 0 rg BT 169.79 301.25 Td (While there, he held a variety of senior management roles, including leader of the global ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 289.25 Td (insurance practice from 2013 to 2016 and co-chair of the global senior partner election committee from 2013 to 2015. In ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 277.25 Td (addition, Mr) Tj ET Q q 0 0 0 rg BT 99.44 277.25 Td (. McGranahan served as co-leader of the North ) Tj ET Q q 0 0 0 rg BT 289.09 277.25 Td (America financial services practice from 2009 to 2016. He joined ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 265.25 Td (McKinsey in 1992 and served in a variety of other leadership positions prior to 2009, including leader of the North ) Tj ET Q q 0 0 0 rg BT 511.28 265.25 Td (American ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 253.25 Td (property and casualty practice and managing partner of the Pittsbur) Tj ET Q q 0 0 0 rg BT 318.89 253.25 Td (gh of) Tj ET Q q 0 0 0 rg BT 339.54 253.25 Td (fice.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 232.25 Td (Mr) Tj ET Q q 0 0 0 rg BT 61.11 232.25 Td (.Schultz) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 95.00 232.25 Td ( has served as Executive ) Tj ET Q q 0 0 0 rg BT 195.06 232.25 Td (V) Tj ET Q q 0 0 0 rg BT 201.68 232.25 Td (ice President and President, International Group since 2018. Mr) Tj ET Q q 0 0 0 rg BT 456.06 232.25 Td (. Schultz joined Fiserv as ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 220.25 Td (group president, Digital Banking Group in 2014. Prior to joining Fiserv) Tj ET Q q 0 0 0 rg BT 335.44 220.25 Td (, Mr) Tj ET Q q 0 0 0 rg BT 352.11 220.25 Td (.Schultz served as president of global financial ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 208.25 Td (services at First Data Corporation, a global payment processing company) Tj ET Q q 0 0 0 rg BT 342.61 208.25 Td (, from 2009 to 201) Tj ET Q q 0 0 0 rg BT 416.95 208.25 Td (1, and as global head of processing ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 196.25 Td (services at ) Tj ET Q q 0 0 0 rg BT 94.24 196.25 Td (V) Tj ET Q q 0 0 0 rg BT 100.86 196.25 Td (isa Inc. from 2007 to 2009. He has more than 30 years of experience in the payments and financial services ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 184.25 Td (industry) Tj ET Q q 0 0 0 rg BT 82.13 184.25 Td (, including a variety of other senior leadership roles at ) Tj ET Q q 0 0 0 rg BT 300.49 184.25 Td (V) Tj ET Q q 0 0 0 rg BT 307.11 184.25 Td (isa Inc. and Global Payments Inc., an electronic transaction ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 172.25 Td (processing service provider) Tj ET Q q 0 0 0 rg BT 159.41 172.25 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 151.25 Td (Mr) Tj ET Q q 0 0 0 rg BT 61.11 151.25 Td (.V) Tj ET Q q 0 0 0 rg BT 71.48 151.25 Td (ielehr) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 94.80 151.25 Td ( has served as Chief ) Tj ET Q q 0 0 0 rg BT 176.73 151.25 Td (Administrative Of) Tj ET Q q 0 0 0 rg BT 249.59 151.25 Td (ficer since 2018. Mr) Tj ET Q q 0 0 0 rg BT 330.12 151.25 Td (. ) Tj ET Q q 0 0 0 rg BT 334.94 151.25 Td (V) Tj ET Q q 0 0 0 rg BT 341.56 151.25 Td (ielehr joined Fiserv in 2013 as group president, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 139.25 Td (Depository Institution Services Group. Prior to joining Fiserv) Tj ET Q q 0 0 0 rg BT 295.44 139.25 Td (, Mr) Tj ET Q q 0 0 0 rg BT 312.11 139.25 Td (.) Tj ET Q q 0 0 0 rg BT 316.93 139.25 Td (V) Tj ET Q q 0 0 0 rg BT 323.55 139.25 Td (ielehr served in a succession of senior executive positions ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 127.25 Td (with ) Tj ET Q q 0 0 0 rg BT 70.10 127.25 Td (The Dun& Bradstreet Corporation, a provider of commercial information and business insight solutions, from 2005 to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 115.25 Td (2013, most recently as president of international and global operations. He also previously served as president and chief ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 103.25 Td (operating of) Tj ET Q q 0 0 0 rg BT 98.41 103.25 Td (ficer of Northstar Systems International, Inc., a developer of wealth management software \(now part of SEI ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 91.25 Td (Investments Company\), from 2004 to 2005. Mr) Tj ET Q q 0 0 0 rg BT 239.43 91.25 Td (.) Tj ET Q q 0 0 0 rg BT 244.25 91.25 Td (V) Tj ET Q q 0 0 0 rg BT 250.87 91.25 Td (ielehr has more than 25 years of experience in the financial services and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 79.25 Td (technology industries, including a variety of executive leadership roles at Merrill L) Tj ET Q q 0 0 0 rg BT 381.57 79.25 Td (ynch and Strong Capital Management.) Tj ET Q endstream endobj 45 0 obj <> endobj 46 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.85 742.25 Td (P) Tj ET Q q 0 0 0 rg BT 293.22 742.25 Td (AR) Tj ET Q q 0 0 0 rg BT 307.31 742.25 Td (T) Tj ET Q q 0 0 0 rg BT 313.80 742.25 Td ( II) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (Item5. ) Tj ET Q q 0 0 0 rg BT 86.00 721.25 Td (Market for) Tj ET Q q 0 0 0 rg BT 133.29 721.25 Td ( Registrant) Tj ET Q q 0 0 0 rg BT 183.74 721.25 Td (s Common Equity) Tj ET Q q 0 0 0 rg BT 260.43 721.25 Td (, Related Stockholder) Tj ET Q q 0 0 0 rg BT 352.19 721.25 Td ( Matters and Issuer) Tj ET Q q 0 0 0 rg BT 435.61 721.25 Td ( Pur) Tj ET Q q 0 0 0 rg BT 454.04 721.25 Td (chases of Equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 709.25 Td (Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.25 Td (Market Price Information) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 667.25 Td (Our common stock is traded on the NASDAQ Global Select Market under the symbol FISV) Tj ET Q q 0 0 0 rg BT 421.98 667.25 Td (. ) Tj ET Q q 0 0 0 rg BT 430.87 667.25 Td (At ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 443.37 667.25 Td (December31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 521.95 667.25 Td (, our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 655.25 Td (common stock was held by ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 161.37 655.25 Td (1,796) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 183.87 655.25 Td ( shareholders of record and by a significantly greater number of shareholders who hold shares ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 643.25 Td (in nominee or street name accounts with brokers. ) Tj ET Q q 0 0 0 rg BT 248.93 643.25 Td (W) Tj ET Q q 0 0 0 rg BT 257.56 643.25 Td (e have never paid dividends on our common stock, and we do not anticipate ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 631.25 Td (paying dividends in the foreseeable future. For additional information regarding our expected use of capital, refer to the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 619.25 Td (discussion in this report under the heading Management) Tj ET Q q 0 0 0 rg BT 281.33 619.25 Td (s Discussion and ) Tj ET Q q 0 0 0 rg BT 350.50 619.25 Td (Analysis of Financial Condition and Results of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 607.25 Td (Operations Liquidity and Capital Resources.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.25 Td (Issuer) Tj ET Q q 0 0 0 rg BT 75.93 586.25 Td ( Pur) Tj ET Q q 0 0 0 rg BT 94.36 586.25 Td (chases of Equity Securities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 565.25 Td (The table below sets forth information with respect to purchases made by or on behalf of us or any af) Tj ET Q q 0 0 0 rg BT 458.86 565.25 Td (filiated purchaser \(as ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 553.25 Td (defined in Rule 10b-18\(a\)\(3\) under the Securities Exchange ) Tj ET Q q 0 0 0 rg BT 291.03 553.25 Td (Act of 1934\) of shares of our common stock during the three ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 541.25 Td (months ended December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 166.91 541.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 186.91 541.25 Td (:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 476.75 m 242.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 476.75 m 322.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 476.75 m 402.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 476.75 m 482.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 476.75 m 562.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 476.75 m 242.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 476.75 m 322.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 476.75 m 402.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 476.75 m 482.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 476.75 m 562.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 431.75 m 322.5 431.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 431.75 m 482.5 431.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 417.75 m 322.5 417.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 415.75 m 322.5 415.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 417.75 m 482.5 417.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 415.75 m 482.5 415.75 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 480.98 Td (Period) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 255.75 488.98 Td (T) Tj ET Q q 0 0 0 rg BT 260.35 488.98 Td (otalNumber) Tj ET Q q 0 0 0 rg BT 303.54 488.98 Td (of) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 253.55 480.98 Td (Shar) Tj ET Q q 0 0 0 rg BT 269.85 480.98 Td (esPur) Tj ET Q q 0 0 0 rg BT 291.26 480.98 Td (chased) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 340.20 488.98 Td (A) Tj ET Q q 0 0 0 rg BT 345.38 488.98 Td (veragePrice) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 338.55 480.98 Td (Paidper) Tj ET Q q 0 0 0 rg BT 367.51 480.98 Td (Shar) Tj ET Q q 0 0 0 rg BT 385.82 480.98 Td (e) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 415.75 512.98 Td (T) Tj ET Q q 0 0 0 rg BT 420.35 512.98 Td (otalNumber) Tj ET Q q 0 0 0 rg BT 463.54 512.98 Td (of) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 413.55 504.98 Td (Shar) Tj ET Q q 0 0 0 rg BT 429.85 504.98 Td (esPur) Tj ET Q q 0 0 0 rg BT 451.26 504.98 Td (chased) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 412.55 496.98 Td (as Part of Publicly) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 414.10 488.98 Td (Announced Plans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 416.80 480.98 Td (or) Tj ET Q q 0 0 0 rg BT 424.21 480.98 Td ( Pr) Tj ET Q q 0 0 0 rg BT 434.50 480.98 Td (ograms \(1\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.05 512.98 Td (MaximumNumber) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.50 504.98 Td (ofShar) Tj ET Q q 0 0 0 rg BT 516.47 504.98 Td (esthatMay) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 494.05 496.98 Td (Y) Tj ET Q q 0 0 0 rg BT 498.94 496.98 Td (et Be Pur) Tj ET Q q 0 0 0 rg BT 530.78 496.98 Td (chased) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.80 488.98 Td (Under) Tj ET Q q 0 0 0 rg BT 513.43 488.98 Td ( the Plans or) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 501.50 480.98 Td (Pr) Tj ET Q q 0 0 0 rg BT 509.79 480.98 Td (ograms \(1\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 467.32 Td (October 1-31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 278.65 466.42 Td (3,000,000) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 329.00 466.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 376.15 466.42 Td (79.16) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 438.65 466.42 Td (3,000,000) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 513.65 466.42 Td (31,896,000) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 452.32 Td (November 1-30, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 278.65 451.42 Td (2,860,000) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 376.15 451.42 Td (77.93) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 438.65 451.42 Td (2,860,000) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 513.65 451.42 Td (29,036,000) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 437.32 Td (December 1-31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 278.65 436.42 Td (3,076,000) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 376.15 436.42 Td (74.24) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 438.65 436.42 Td (3,076,000) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 513.65 436.42 Td (25,960,000) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 422.32 Td (T) Tj ET Q q 0 0 0 rg BT 76.41 422.32 Td (otal) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 278.65 421.42 Td (8,936,000) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 438.65 421.42 Td (8,936,000) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 405.25 Td (_____) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 387.25 Td (\(1\) ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 387.25 Td (On each of November 16, 2016 and ) Tj ET Q q 0 0 0 rg BT 212.96 387.25 Td (August 8, 2018, our board of directors authorized the purchase of up to 30.0million ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 375.25 Td (shares of our common stock.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 183.25 375.25 Td ( ) Tj ET Q q 0 0 0 rg BT 185.57 375.25 Td (These authorizations do not expire. On January 16, 2019, we announced that we had entered ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 363.25 Td (into a definitive mer) Tj ET Q q 0 0 0 rg BT 149.18 363.25 Td (ger agreement to acquire First Data. ) Tj ET Q q 0 0 0 rg BT 295.33 363.25 Td (W) Tj ET Q q 0 0 0 rg BT 303.97 363.25 Td (e deferred share repurchases as of January 16, 2019 until the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 351.25 Td (close of the First Data acquisition, which is expected to occur during the second half of 2019, subject to customary closing ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 339.25 Td (conditions, regulatory approvals and shareholder approval for both companies.) Tj ET Q endstream endobj 47 0 obj <> endobj 48 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (21) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Stock Performance Graph) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (The stock performance graph and related information presented below is not deemed to be soliciting material or to be filed ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 709.25 Td (with the Securities and Exchange Commission or subject to Regulation 14A) Tj ET Q q 0 0 0 rg BT 353.84 709.25 Td ( or 14C under the Securities Exchange ) Tj ET Q q 0 0 0 rg BT 509.63 709.25 Td (Act of 1934 ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 697.25 Td (or to the liabilities of Section18 of the Securities Exchange ) Tj ET Q q 0 0 0 rg BT 290.22 697.25 Td (Act of 1934 and will not be deemed to be incorporated by reference ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 685.25 Td (into any filing under the Securities ) Tj ET Q q 0 0 0 rg BT 190.53 685.25 Td (Act of 1933 or the Securities Exchange ) Tj ET Q q 0 0 0 rg BT 349.65 685.25 Td (Act of 1934, except to the extent we specifically ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 673.25 Td (incorporate it by reference into such a filing.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 652.25 Td (The following graph compares the cumulative total shareholder return on our common stock for the five years ended ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 640.25 Td (December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 108.58 640.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 128.58 640.25 Td ( with the S&P) Tj ET Q q 0 0 0 rg BT 184.61 640.25 Td ( 500 Index and the NASDAQ US Benchmark Financial ) Tj ET Q q 0 0 0 rg BT 408.74 640.25 Td (Administration Index. ) Tj ET Q q 0 0 0 rg BT 499.38 640.25 Td (The graph ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 628.25 Td (assumes that $100 was invested on December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 250.79 628.25 Td (2013) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 270.79 628.25 Td ( in our common stock and each index and that all dividends were ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 616.25 Td (reinvested. No cash dividends have been declared on our common stock. ) Tj ET Q q 0 0 0 rg BT 343.34 616.25 Td (The comparisons in the graph are required by the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 604.25 Td (Securities and Exchange Commission and are not intended to forecast or be indicative of possible future performance of our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 592.25 Td (common stock.) Tj ET Q /GS0 gs q 488.00 0 0 358.00 62.00 220.25 cm /I21 Do Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 200.75 m 291.5 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291.5 200.75 m 295.5 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 200.75 m 345.5 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345.5 200.75 m 349.5 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 200.75 m 399.5 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 200.75 m 403.5 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 200.75 m 453.5 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 200.75 m 457.5 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 200.75 m 507.5 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 200.75 m 511.5 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 200.75 m 561.5 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 200.75 m 291.5 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 186.75 m 291.5 186.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291.5 200.75 m 295.5 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 200.75 m 345.5 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 186.75 m 345.5 186.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345.5 200.75 m 349.5 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 200.75 m 399.5 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 186.75 m 399.5 186.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 200.75 m 403.5 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 200.75 m 453.5 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 186.75 m 453.5 186.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 200.75 m 457.5 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 200.75 m 507.5 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 186.75 m 507.5 186.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 200.75 m 561.5 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 186.75 m 561.5 186.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 186.75 m 291.5 186.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 186.75 m 345.5 186.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 186.75 m 399.5 186.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 186.75 m 453.5 186.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 186.75 m 507.5 186.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 186.75 m 561.5 186.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 52.00 205.00 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.90 205.43 Td (December) Tj ET Q q 0 0 0 rg BT 415.12 205.43 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 52.00 191.00 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.00 191.43 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.00 191.43 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.00 191.43 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.00 191.43 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.00 191.43 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.00 191.43 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.00 177.32 Td (Fiserv) Tj ET Q q 0 0 0 rg BT 76.68 177.32 Td (, Inc.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 244.00 176.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 272.65 176.42 Td (100) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 298.00 176.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 326.65 176.42 Td (120) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 352.00 176.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.65 176.42 Td (155) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 406.00 176.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 434.65 176.42 Td (180) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 460.00 176.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 488.65 176.42 Td (222) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 514.00 176.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 542.65 176.42 Td (249) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.00 162.32 Td (S&P) Tj ET Q q 0 0 0 rg BT 70.53 162.32 Td ( 500 Index) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 272.65 161.42 Td (100) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 326.65 161.42 Td (1) Tj ET Q q 0 0 0 rg BT 331.65 161.42 Td (14) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.65 161.42 Td (1) Tj ET Q q 0 0 0 rg BT 385.65 161.42 Td (15) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 434.65 161.42 Td (129) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 488.65 161.42 Td (157) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 542.65 161.42 Td (150) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.00 147.32 Td (NASDAQ US Benchmark Financial) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 61.00 137.32 Td (Administration Index) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 272.65 136.42 Td (100) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 326.65 136.42 Td (1) Tj ET Q q 0 0 0 rg BT 331.65 136.42 Td (15) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.65 136.42 Td (128) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 434.65 136.42 Td (143) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 488.65 136.42 Td (194) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 542.65 136.42 Td (207) Tj ET Q BT /F2 10.00 Tf ET endstream endobj 49 0 obj <> endobj 50 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (22) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Item6. ) Tj ET Q q 0 0 0 rg BT 86.00 742.25 Td (Selected Financial Data) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (The following data should be read in conjunction with the consolidated financial statements and accompanying notes included ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 709.25 Td (elsewhere in this ) Tj ET Q q 0 0 0 rg BT 119.15 709.25 Td (Annual Report on Form 10-K. ) Tj ET Q q 0 0 0 rg BT 242.85 709.25 Td (The selected historical data presented below has been af) Tj ET Q q 0 0 0 rg BT 467.01 709.25 Td (fected by acquisitions ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 697.25 Td (and dispositions, transactional gains recorded by our unconsolidated af) Tj ET Q q 0 0 0 rg BT 333.36 697.25 Td (filiate, debt extinguishment and refinancing activities, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 685.25 Td (the tax ef) Tj ET Q q 0 0 0 rg BT 87.02 685.25 Td (fects related to share-based payment awards, and by the ) Tj ET Q q 0 0 0 rg BT 312.30 685.25 Td (T) Tj ET Q q 0 0 0 rg BT 317.71 685.25 Td (ax Cuts and Jobs ) Tj ET Q q 0 0 0 rg BT 387.16 685.25 Td (Act enacted in December 2017. In ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 673.25 Td (addition, total assets and long-term debt have been adjusted on a retrospective basis for the adoption of ) Tj ET Q q 0 0 0 rg BT 463.77 673.25 Td (Accounting Standards ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 661.25 Td (Update \(ASU\) No. 2015-17, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 174.97 661.25 Td (Balance Sheet Classification of) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 300.23 661.25 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 302.73 661.25 Td (Deferr) Tj ET Q q 0 0 0 rg BT 329.02 661.25 Td (ed T) Tj ET Q q 0 0 0 rg BT 345.60 661.25 Td (axes) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 363.37 661.25 Td (, and ) Tj ET Q q 0 0 0 rg BT 384.76 661.25 Td (ASU No. 2015-03, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 462.81 661.25 Td (Simplifying the ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 649.25 Td (Pr) Tj ET Q q 0 0 0 rg BT 59.63 649.25 Td (esentation of Debt Issuance Costs) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 195.17 649.25 Td ( ef) Tj ET Q q 0 0 0 rg BT 205.26 649.25 Td (fective December 31, 2015. ) Tj ET Q q 0 0 0 rg BT 317.99 649.25 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 367.33 649.25 Td (, current deferred tax assets have been ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 637.25 Td (reclassified to noncurrent assets and liabilities, and certain debt issuance costs previously included within other long-term ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 625.25 Td (assets have been reclassified as a reduction in long-term debt. Ef) Tj ET Q q 0 0 0 rg BT 308.33 625.25 Td (fective January 1, 2018, we adopted ) Tj ET Q q 0 0 0 rg BT 454.40 625.25 Td (ASU No. 2014-09, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 613.25 Td (Revenue fr) Tj ET Q q 0 0 0 rg BT 92.66 613.25 Td (om Contracts with Customers) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 211.84 613.25 Td (, and its related amendments using the modified retrospective transition approach ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 601.25 Td (applied to all contracts. Under this transition approach, prior period amounts have not been restated. ) Tj ET Q q 0 0 0 rg BT 452.10 601.25 Td (All per share amounts are ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 589.25 Td (presented on a split-adjusted basis to retroactively reflect the two-for) Tj ET Q q 0 0 0 rg BT 324.98 589.25 Td (-one stock split that was completed in the first quarter of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 577.25 Td (2018.) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 551.75 m 326.5 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 551.75 m 385.5 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 551.75 m 444.5 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 551.75 m 503.5 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 551.75 m 562.5 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 551.75 m 326.5 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 551.75 m 385.5 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 551.75 m 444.5 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 551.75 m 503.5 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 551.75 m 562.5 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 506.75 m 326.5 506.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 506.75 m 385.5 506.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 506.75 m 444.5 506.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 506.75 m 503.5 506.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 506.75 m 562.5 506.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 492.75 m 326.5 492.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 490.75 m 326.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 492.75 m 385.5 492.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 490.75 m 385.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 492.75 m 444.5 492.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 490.75 m 444.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 492.75 m 503.5 492.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 490.75 m 503.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 492.75 m 562.5 492.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 490.75 m 562.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 440.75 m 326.5 440.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 440.75 m 385.5 440.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 440.75 m 444.5 440.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 440.75 m 503.5 440.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 440.75 m 562.5 440.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 426.75 m 326.5 426.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 424.75 m 326.5 424.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 426.75 m 385.5 426.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 424.75 m 385.5 424.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 426.75 m 444.5 426.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 424.75 m 444.5 424.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 426.75 m 503.5 426.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 424.75 m 503.5 424.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 426.75 m 562.5 426.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 424.75 m 562.5 424.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 374.75 m 326.5 374.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 374.75 m 385.5 374.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 374.75 m 444.5 374.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 374.75 m 503.5 374.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 374.75 m 562.5 374.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 360.75 m 326.5 360.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 358.75 m 326.5 358.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 360.75 m 385.5 360.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 358.75 m 385.5 358.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 360.75 m 444.5 360.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 358.75 m 444.5 358.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 360.75 m 503.5 360.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 358.75 m 503.5 358.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 360.75 m 562.5 360.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 358.75 m 562.5 358.75 l s BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 53 554.86259765625 m 201.515625 554.86259765625 l s q 0 0 0 rg BT 53.00 556.43 Td (\(In millions, except per) Tj ET Q q 0 0 0 rg BT 151.14 556.43 Td ( shar) Tj ET Q q 0 0 0 rg BT 172.36 556.43 Td (e data\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 288.50 556.43 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.50 556.43 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.50 556.43 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.50 556.43 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.50 556.43 Td (2014) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 542.32 Td (T) Tj ET Q q 0 0 0 rg BT 58.76 542.32 Td (otal revenue) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 274.00 541.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 300.15 541.42 Td (5,823) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 333.00 541.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 359.15 541.42 Td (5,696) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 392.00 541.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 418.15 541.42 Td (5,505) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.00 541.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 477.15 541.42 Td (5,254) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 510.00 541.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 541.42 Td (5,066) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 527.32 Td (Income from continuing operations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 274.00 526.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 300.15 526.42 Td (1,187) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 333.00 526.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 359.15 526.42 Td (1,232) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 392.00 526.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 425.65 526.42 Td (930) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.00 526.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 484.65 526.42 Td (712) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 510.00 526.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 526.42 Td (754) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 512.32 Td (Income from discontinued operations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 312.65 511.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 371.65 511.42 Td (14) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 430.65 511.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 489.65 511.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 511.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 497.32 Td (Net income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 274.00 496.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 300.15 496.42 Td (1,187) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 333.00 496.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 359.15 496.42 Td (1,246) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 392.00 496.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 425.65 496.42 Td (930) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.00 496.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 484.65 496.42 Td (712) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 510.00 496.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 496.42 Td (754) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 476.32 Td (Net income per share - basic:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 461.32 Td (Continuing operations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 274.00 460.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 305.15 460.42 Td (2.93) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 333.00 460.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 364.15 460.42 Td (2.92) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 392.00 460.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 423.15 460.42 Td (2.1) Tj ET Q q 0 0 0 rg BT 435.65 460.42 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.00 460.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 482.15 460.42 Td (1.52) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 510.00 460.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 541.15 460.42 Td (1.52) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 446.32 Td (Discontinued operations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 312.65 445.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 364.15 445.42 Td (0.03) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 430.65 445.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 489.65 445.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 445.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 431.32 Td (T) Tj ET Q q 0 0 0 rg BT 76.76 431.32 Td (otal) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 274.00 430.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 305.15 430.42 Td (2.93) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 333.00 430.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 364.15 430.42 Td (2.95) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 392.00 430.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 423.15 430.42 Td (2.1) Tj ET Q q 0 0 0 rg BT 435.65 430.42 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.00 430.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 482.15 430.42 Td (1.52) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 510.00 430.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 541.15 430.42 Td (1.52) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 410.32 Td (Net income per share - diluted:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 395.32 Td (Continuing operations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 274.00 394.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 305.15 394.42 Td (2.87) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 333.00 394.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 364.15 394.42 Td (2.86) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 392.00 394.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 423.15 394.42 Td (2.08) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.00 394.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 482.15 394.42 Td (1.49) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 510.00 394.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 541.15 394.42 Td (1.49) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 380.32 Td (Discontinued operations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 312.65 379.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 364.15 379.42 Td (0.03) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 430.65 379.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 489.65 379.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 379.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 365.32 Td (T) Tj ET Q q 0 0 0 rg BT 76.41 365.32 Td (otal) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 274.00 364.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 305.15 364.42 Td (2.87) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 333.00 364.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 364.15 364.42 Td (2.89) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 392.00 364.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 423.15 364.42 Td (2.08) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.00 364.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 482.15 364.42 Td (1.49) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 510.00 364.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 541.15 364.42 Td (1.49) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 345.32 Td (T) Tj ET Q q 0 0 0 rg BT 58.76 345.32 Td (otal assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 274.00 344.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 295.15 344.42 Td (1) Tj ET Q q 0 0 0 rg BT 300.15 344.42 Td (1,262) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 333.00 344.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 354.15 344.42 Td (10,289) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 392.00 344.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 418.15 344.42 Td (9,743) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.00 344.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 477.15 344.42 Td (9,340) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 510.00 344.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 344.42 Td (9,308) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 330.32 Td (Long-term debt \(including current maturities\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 300.15 329.42 Td (5,959) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 359.15 329.42 Td (4,900) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 418.15 329.42 Td (4,562) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 477.15 329.42 Td (4,293) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 329.42 Td (3,790) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 315.32 Td (Shareholders) Tj ET Q q 0 0 0 rg BT 107.79 315.32 Td ( equity) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 300.15 314.42 Td (2,293) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 359.15 314.42 Td (2,731) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 418.15 314.42 Td (2,541) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 477.15 314.42 Td (2,660) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 314.42 Td (3,295) Tj ET Q BT /F2 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 289.25 Td (Item7. Management) Tj ET Q q 0 0 0 rg BT 144.05 289.25 Td (s Discussion and ) Tj ET Q q 0 0 0 rg BT 216.03 289.25 Td (Analysis of Financial Condition and Results of Operations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 268.25 Td (Management) Tj ET Q q 0 0 0 rg BT 104.98 268.25 Td (s discussion and analysis of financial condition and results of operations is provided as a supplement to our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 256.25 Td (consolidated financial statements and accompanying notes to help provide an understanding of our financial condition, the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 244.25 Td (changes in our financial condition and our results of operations. Our discussion is or) Tj ET Q q 0 0 0 rg BT 386.97 244.25 Td (ganized as follows:) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.17 244.25 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 223.25 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 104.00 223.25 Td (Overview) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 142.32 223.25 Td (. ) Tj ET Q q 0 0 0 rg BT 147.13 223.25 Td (This section contains background information on our company and the services and products that we ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 104.00 211.25 Td (provide, acquisitions and dispositions, our enterprise priorities, and the trends af) Tj ET Q q 0 0 0 rg BT 424.59 211.25 Td (fecting our industry in order to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 104.00 199.25 Td (provide context for management) Tj ET Q q 0 0 0 rg BT 237.01 199.25 Td (s discussion and analysis of our financial condition and results of operations.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 178.25 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 104.00 178.25 Td (Critical accounting policies and estimates) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 272.87 178.25 Td (. ) Tj ET Q q 0 0 0 rg BT 277.69 178.25 Td (This section contains a discussion of the accounting policies that we ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 104.00 166.25 Td (believe are important to our financial condition and results of operations and that require judgment and estimates ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 104.00 154.25 Td (on the part of management in their application. In addition, all of our significant accounting policies, including ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 104.00 142.25 Td (critical accounting policies, are summarized in Note 1 to the accompanying consolidated financial statements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 121.25 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 104.00 121.25 Td (Results of operations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 188.44 121.25 Td (. ) Tj ET Q q 0 0 0 rg BT 193.26 121.25 Td (This section contains an analysis of our results of operations presented in the accompanying ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 104.00 109.25 Td (consolidated statements of income by comparing the results for the year ended ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 420.57 109.25 Td (December31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 499.15 109.25 Td ( to the results ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 104.00 97.25 Td (for the year ended ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 178.96 97.25 Td (December31, 2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 257.54 97.25 Td ( and by comparing the results for the year ended ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.03 97.25 Td (December31, 2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 531.62 97.25 Td ( to the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 104.00 85.25 Td (results for the year ended ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 207.57 85.25 Td (December31, 2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 286.15 85.25 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 64.25 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 104.00 64.25 Td (Liquidity and capital r) Tj ET Q q 0 0 0 rg BT 193.91 64.25 Td (esour) Tj ET Q q 0 0 0 rg BT 215.76 64.25 Td (ces) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 228.53 64.25 Td (. ) Tj ET Q q 0 0 0 rg BT 233.35 64.25 Td (This section provides an analysis of our cash flows and a discussion of our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 104.00 52.25 Td (outstanding debt and commitments at ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 256.48 52.25 Td (December31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 335.06 52.25 Td (.) Tj ET Q endstream endobj 51 0 obj <> endobj 52 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (23) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Overview) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (Company Background) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 700.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 700.25 Td (e are a leading global provider of financial services technology) Tj ET Q q 0 0 0 rg BT 309.83 700.25 Td (. ) Tj ET Q q 0 0 0 rg BT 314.65 700.25 Td (W) Tj ET Q q 0 0 0 rg BT 323.29 700.25 Td (e provide account processing systems, electronic payments ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 688.25 Td (processing products and services, internet and mobile banking systems, and related services. ) Tj ET Q q 0 0 0 rg BT 421.66 688.25 Td (W) Tj ET Q q 0 0 0 rg BT 430.30 688.25 Td (e serve over ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 481.10 688.25 Td (12,000) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 508.60 688.25 Td ( clients ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 676.25 Td (worldwide, including banks, credit unions, investment management firms, leasing and finance companies, billers, retailers, and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 664.25 Td (merchants. ) Tj ET Q q 0 0 0 rg BT 95.91 664.25 Td (The majority of our revenue is generated from recurring account- and transaction-based fees under contracts that ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 652.25 Td (generally have terms of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 146.63 652.25 Td (three to five) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 194.94 652.25 Td ( years and high renewal rates. Most of the services we provide are necessary for our clients ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 640.25 Td (to operate their businesses and are, therefore, non-discretionary in nature.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 619.25 Td (Our operations are principally located in the United States and are comprised of the Payments and Industry Products ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 607.25 Td (\(Payments\) segment and the Financial Institution Services \(Financial\) segment. ) Tj ET Q q 0 0 0 rg BT 387.50 607.25 Td (The Payments segment primarily provides ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 595.25 Td (electronic bill payment and presentment services, internet and mobile banking software and services, account-to-account ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 583.25 Td (transfers, person-to-person payment services, debit and credit card processing and services, payments infrastructure services, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 571.25 Td (and other electronic payments software and services. Our businesses in this segment also provide card and print personalization ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 559.25 Td (services, investment account processing services for separately managed accounts, and fraud and risk management products ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 547.25 Td (and services. ) Tj ET Q q 0 0 0 rg BT 103.96 547.25 Td (The Financial segment provides financial institutions with account processing services, item processing and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 535.25 Td (source capture services, loan origination and servicing products, cash management and consulting services, and other products ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 523.25 Td (and services that support numerous types of financial transactions. Corporate and Other primarily consists of intercompany ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 511.25 Td (eliminations, amortization of acquisition-related intangible assets, unallocated corporate expenses and other activities that are ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 499.25 Td (not considered when management evaluates segment performance, such as gains on sales of businesses and associated ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 487.25 Td (transition services.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 466.25 Td (On February 21, 2018, our board of directors declared a two-for) Tj ET Q q 0 0 0 rg BT 305.83 466.25 Td (-one stock split of our common stock and a proportionate ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 454.25 Td (increase in the number of our authorized shares of common stock. ) Tj ET Q q 0 0 0 rg BT 316.40 454.25 Td (The additional shares were distributed on March 19, 2018 to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 442.25 Td (shareholders of record at the close of business on March 5, 2018. Our common stock began trading at the split-adjusted price ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 430.25 Td (on March 20, 2018. ) Tj ET Q q 0 0 0 rg BT 130.55 430.25 Td (All share and per share amounts are retroactively presented on a split-adjusted basis.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 409.25 Td (Acquisitions and Dispositions) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 388.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 388.25 Td (e frequently review our portfolio to ensure we have the right set of businesses to execute on our strategy) Tj ET Q q 0 0 0 rg BT 474.53 388.25 Td (. ) Tj ET Q q 0 0 0 rg BT 479.35 388.25 Td (W) Tj ET Q q 0 0 0 rg BT 487.98 388.25 Td (e expect to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 376.25 Td (acquire businesses when we identify: a compelling strategic need, such as a product, service or technology that helps meet ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 364.25 Td (client demand; an opportunity to change industry dynamics; a way to achieve business scale; or similar considerations. ) Tj ET Q q 0 0 0 rg BT 527.48 364.25 Td (W) Tj ET Q q 0 0 0 rg BT 536.11 364.25 Td (e ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 352.25 Td (expect to divest businesses that are not in line with our market, product or financial strategies.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 331.25 Td (On January 16, 2019, we announced that we had entered into a definitive mer) Tj ET Q q 0 0 0 rg BT 360.00 331.25 Td (ger agreement to acquire First Data in an all-stock ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 319.25 Td (transaction for an equity value of approximately $22 billion as of the announcement. ) Tj ET Q q 0 0 0 rg BT 390.83 319.25 Td (The transaction is expected to close during ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 307.25 Td (the second half of 2019, subject to customary closing conditions, regulatory approvals and shareholder approval for both ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 295.25 Td (companies. First Data is a global leader in commerce-enabling technology and solutions for merchants, financial institutions, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 283.25 Td (and card issuers.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 116.37 283.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 262.25 Td (On October 31, 2018, we acquired the debit card processing, ) Tj ET Q q 0 0 0 rg BT 294.65 262.25 Td (A) Tj ET Q q 0 0 0 rg BT 300.76 262.25 Td (TM Managed Services, and Money Pass) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 462.40 266.78 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 467.33 262.25 Td ( surchar) Tj ET Q q 0 0 0 rg BT 499.08 262.25 Td (ge-free ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 250.25 Td (network of Elan Financial Services, a unit of U.S. Bancorp, for approximately $660 million including estimated post-closing ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 238.25 Td (working capital adjustments, contingent consideration related to earn-out provisions and future payments under a transition ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 226.25 Td (services agreement in excess of fair value. ) Tj ET Q q 0 0 0 rg BT 221.41 226.25 Td (This acquisition, included within the Payments segment, deepens our presence in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 214.25 Td (debit card processing, broadens our client reach and scale, and provides new solutions to enhance the value proposition for our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 202.25 Td (existing debit solution clients.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 181.25 Td (During 2017, we completed four acquisitions for an aggregate purchase price of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 372.39 181.25 Td ($384 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 423.78 181.25 Td (, net of acquired cash, along with ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 169.25 Td (earn-out provisions. In January 2017, we completed our acquisition of Online Banking Solutions, Inc. \(OBS\), a provider of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 157.25 Td (cash management and digital business banking solutions that complement and enrich our existing solutions. In July 2017, we ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 145.25 Td (acquired the assets of PCLender) Tj ET Q q 0 0 0 rg BT 178.45 145.25 Td (, LLC \(PCLender\), a leader in internet-based mortgage software and mortgage lending ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 133.25 Td (technology solutions. ) Tj ET Q q 0 0 0 rg BT 137.87 133.25 Td (The OBS and PCLender acquisitions are included in the Financial segment as their products are ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 121.25 Td (integrated across a number of our account processing solutions and will enable our bank and credit union clients to better serve ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 109.25 Td (their commercial and mortgage customers. In ) Tj ET Q q 0 0 0 rg BT 233.55 109.25 Td (August 2017, we acquired Dovetail Group Limited \(Dovetail\), a leading ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 97.25 Td (provider of bank payments and liquidity management solutions. In September 2017, we completed our acquisition of Monitise ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 85.25 Td (plc \(Monitise\), a provider of digital solutions that enables innovative digital banking experiences for leading financial ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 73.25 Td (institutions worldwide. ) Tj ET Q q 0 0 0 rg BT 144.54 73.25 Td (The Dovetail and Monitise acquisitions are included in the Payments segment and are expected to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 61.25 Td (further enable us to help financial institutions around the world transform their payments infrastructure and to expand our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 49.25 Td (digital leadership, respectively) Tj ET Q q 0 0 0 rg BT 171.81 49.25 Td (. ) Tj ET Q endstream endobj 53 0 obj <> endobj 54 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (24) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (In 2016, we acquired the Convenience Pay Services business of Hewlett Packard Enterprise Company and completed our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (purchase of the Community Financial Services business of ) Tj ET Q q 0 0 0 rg BT 286.63 730.10 Td (ACI ) Tj ET Q q 0 0 0 rg BT 306.17 730.10 Td (W) Tj ET Q q 0 0 0 rg BT 314.80 730.10 Td (orldwide, Inc. for an aggregate purchase price of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td ($265million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 101.39 718.10 Td (. ) Tj ET Q q 0 0 0 rg BT 106.21 718.10 Td (These acquisitions expand our biller solution of) Tj ET Q q 0 0 0 rg BT 296.55 718.10 Td (ferings and enhance our suite of digital banking and payments ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (solutions, and are included in the Payments segment.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 685.10 Td (In March 2018, we sold a 55% interest of our Lending Solutions business, which was reported within the Financial segment, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 673.10 Td (retaining 45% ownership interests in two joint ventures \(the Lending Joint ) Tj ET Q q 0 0 0 rg BT 353.93 673.10 Td (V) Tj ET Q q 0 0 0 rg BT 360.04 673.10 Td (entures\). In conjunction with this transaction, we ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 661.10 Td (entered into transition services agreements to provide, at fair value, various administration, business process outsourcing, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 649.10 Td (technical and data center related services for defined periods to the Lending Joint ) Tj ET Q q 0 0 0 rg BT 377.19 649.10 Td (V) Tj ET Q q 0 0 0 rg BT 383.30 649.10 Td (entures. ) Tj ET Q q 0 0 0 rg BT 417.00 649.10 Td (W) Tj ET Q q 0 0 0 rg BT 425.63 649.10 Td (e received gross sale proceeds of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 637.10 Td ($419million from the transactions. In addition, in January 2018, we completed the sale of the retail voucher business acquired ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 625.10 Td (in our 2017 acquisition of Monitise for proceeds of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 256.90 625.10 Td (37 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.30 625.10 Td ( \() Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 309.13 625.10 Td ($50 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 355.52 625.10 Td (\), and in May 2017, we sold our ) Tj ET Q q 0 0 0 rg BT 485.50 625.10 Td (Australian item ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 613.10 Td (processing business, which was reported within the Financial segment, for approximately ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 410.20 613.10 Td ($17 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.59 613.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (During 2017, StoneRiver Group, L.P) Tj ET Q q 0 0 0 rg BT 196.94 592.10 Td (. \(StoneRiver\), a joint venture in which we own a 49% interest and account for under the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (equity method, recognized a net gain on the sale of a business, and in 2016, recognized a net gain on the sale of a business ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 568.10 Td (interest. Our pre-tax share of the net gains and related expenses on these transactions was ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 409.87 568.10 Td ($26 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.26 568.10 Td ( in 2017 and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 508.48 568.10 Td ($146million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 559.87 568.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (in 2016, with related tax expenses of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 199.40 556.10 Td ($9million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 240.80 556.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 260.23 556.10 Td ($54million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 306.63 556.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 359.29 556.10 Td (. In addition, we received cash dividends of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td ($2million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 91.39 544.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 96.39 544.10 Td ($45million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 142.78 544.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 162.22 544.10 Td ($151million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 213.61 544.10 Td ( in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 226.39 544.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 246.39 544.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 251.39 544.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 271.39 544.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 290.83 544.10 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 310.83 544.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 363.49 544.10 Td (, from StoneRiver) Tj ET Q q 0 0 0 rg BT 435.02 544.10 Td (, which were funded from the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (sale transactions.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 511.10 Td (Enterprise Priorities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 490.10 Td (e continue to implement a series of strategic initiatives to move money and information in a way that moves the world. ) Tj ET Q q 0 0 0 rg BT 536.11 490.10 Td (These ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (strategic initiatives include active portfolio management of our businesses, enhancing the overall value of our existing client ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (relationships, improving operational ef) Tj ET Q q 0 0 0 rg BT 205.34 466.10 Td (fectiveness, being disciplined in our allocation of capital, and dif) Tj ET Q q 0 0 0 rg BT 464.24 466.10 Td (ferentiating our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (products and services through innovation. Our key enterprise priorities for ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 349.64 454.10 Td (2019) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 369.64 454.10 Td ( are to: \(i\)continue to build high-quality ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (revenue while meeting our earnings goals; \(ii\)enhance client relationships with an emphasis on digital and payment solutions; ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (and \(iii\)deliver innovation and integration which enables dif) Tj ET Q q 0 0 0 rg BT 293.08 430.10 Td (ferentiated value for our clients. ) Tj ET Q q 0 0 0 rg BT 423.40 430.10 Td (W) Tj ET Q q 0 0 0 rg BT 432.04 430.10 Td (e also expect to devote ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (significant resources to completing the First Data mer) Tj ET Q q 0 0 0 rg BT 265.04 418.10 Td (ger and, subject to closing, to integrating First Data into our operations.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 397.10 Td (Industry T) Tj ET Q q 0 0 0 rg BT 93.25 397.10 Td (rends) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 376.10 Td (The market for products and services of) Tj ET Q q 0 0 0 rg BT 209.20 376.10 Td (fered by financial institutions continues to evolve rapidly) Tj ET Q q 0 0 0 rg BT 437.11 376.10 Td (. ) Tj ET Q q 0 0 0 rg BT 441.93 376.10 Td (The traditional financial ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 364.10 Td (industry and other market entrants regularly introduce and implement new payment, deposit, risk management, lending, and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 352.10 Td (investment products, and the distinctions among the products and services traditionally of) Tj ET Q q 0 0 0 rg BT 408.63 352.10 Td (fered by dif) Tj ET Q q 0 0 0 rg BT 455.10 352.10 Td (ferent types of financial ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 340.10 Td (institutions continue to narrow as they seek to serve the same customers. ) Tj ET Q q 0 0 0 rg BT 342.44 340.10 Td (At the same time, the evolving regulatory and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 328.10 Td (cybersecurity landscape has continued to create a challenging operating environment for financial institutions. For example, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 316.10 Td (legislation such as the Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 191.74 316.10 Td (W) Tj ET Q q 0 0 0 rg BT 200.38 316.10 Td (all Street Reform and Consumer Protection ) Tj ET Q q 0 0 0 rg BT 375.34 316.10 Td (Act has generated, and may continue to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 304.10 Td (generate, new regulations impacting the financial industry) Tj ET Q q 0 0 0 rg BT 281.77 304.10 Td (. ) Tj ET Q q 0 0 0 rg BT 286.59 304.10 Td (These conditions are driving heightened interest in solutions that ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 292.10 Td (help financial institutions win and retain customers, generate incremental revenue, comply with regulations and enhance ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 280.10 Td (operating ef) Tj ET Q q 0 0 0 rg BT 97.85 280.10 Td (ficiency) Tj ET Q q 0 0 0 rg BT 129.40 280.10 Td (. Examples of these solutions include electronic payments and delivery methods such as internet, mobile ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (and tablet banking, sometimes referred to as digital channels.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 247.10 Td (The focus on digital channels by both financial institutions and their customers, as well as the growing volume and types of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 235.10 Td (payment transactions in the marketplace, continues to elevate the data and transaction processing needs of financial institutions. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 223.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 223.10 Td (e expect that financial institutions will continue to invest significant capital and human resources to process transactions, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 211.10 Td (manage information, maintain regulatory compliance and of) Tj ET Q q 0 0 0 rg BT 290.57 211.10 Td (fer innovative new services to their customers in this rapidly ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 199.10 Td (evolving and competitive environment. ) Tj ET Q q 0 0 0 rg BT 209.50 199.10 Td (W) Tj ET Q q 0 0 0 rg BT 218.14 199.10 Td (e anticipate that we will benefit over the long term from the trend of financial ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 187.10 Td (institutions moving from in-house technology to outsourced solutions as they seek to remain current on technology changes in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 175.10 Td (an evolving marketplace. ) Tj ET Q q 0 0 0 rg BT 153.11 175.10 Td (W) Tj ET Q q 0 0 0 rg BT 161.75 175.10 Td (e believe that economies of scale in developing and maintaining the infrastructure, technology) Tj ET Q q 0 0 0 rg BT 537.92 175.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 163.10 Td (products, services and networks necessary to be competitive in such an environment are essential to justify these investments, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 151.10 Td (and we anticipate that demand for products that facilitate customer interaction with financial institutions, including electronic ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 139.10 Td (transactions through digital channels, will continue to increase, which we expect to create revenue opportunities for us.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (In addition to the trends described above, the financial institutions marketplace has experienced change in composition as well. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (During the past 25 years, the number of financial institutions in the United States has declined at a relatively steady rate of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (approximately 3%per year) Tj ET Q q 0 0 0 rg BT 158.16 94.10 Td (, primarily as a result of voluntary mer) Tj ET Q q 0 0 0 rg BT 312.38 94.10 Td (gers and acquisitions. Rather than reducing the overall ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (market, these consolidations have transferred accounts among financial institutions. If a client loss occurs due to mer) Tj ET Q q 0 0 0 rg BT 517.46 82.10 Td (ger or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (acquisition, we receive a contract termination fee based on the size of the client and how early in the contract term the contract ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (is terminated. ) Tj ET Q q 0 0 0 rg BT 106.75 58.10 Td (These fees can vary from period to period. Our revenue is diversified, and we have clients that span the entire ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 46.10 Td (range of financial institutions in terms of asset size and business model, with our 50 lar) Tj ET Q q 0 0 0 rg BT 398.08 46.10 Td (gest financial institution clients ) Tj ET Q endstream endobj 55 0 obj <> endobj 56 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (25) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (representing less than 25% of our annual revenue. Our focus on long-term client relationships and recurring, transaction-) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (oriented products and services has also reduced the impact that consolidation in the financial services industry has had on us. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 718.10 Td (e believe that the integration of our products and services creates a compelling value proposition for our clients by providing, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (among other things, new sources of revenue and opportunities to reduce their costs. Furthermore, we believe that our sizable ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (and diverse client base, combined with our position as a leading provider of non-discretionary) Tj ET Q q 0 0 0 rg BT 425.36 694.10 Td (, recurring revenue-based ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (products and services, gives us a solid foundation for growth.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 661.10 Td (Critical ) Tj ET Q q 0 0 0 rg BT 84.71 661.10 Td (Accounting Policies and Estimates) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (Our consolidated financial statements and accompanying notes have been prepared in accordance with accounting principles ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (generally accepted in the United States, which require management to make estimates, judgments and assumptions that af) Tj ET Q q 0 0 0 rg BT 536.89 628.10 Td (fect ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (the reported amount of assets, liabilities, revenue and expenses. ) Tj ET Q q 0 0 0 rg BT 306.41 616.10 Td (W) Tj ET Q q 0 0 0 rg BT 315.04 616.10 Td (e continually evaluate the accounting policies and estimates ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (that we use to prepare our consolidated financial statements, including for recently adopted accounting pronouncements, and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (base our estimates on historical experience and assumptions that we believe are reasonable in light of current circumstances. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (Actual amounts and results could dif) Tj ET Q q 0 0 0 rg BT 196.73 580.10 Td (fer materially from these estimates.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 559.10 Td (Acquisitions) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (From time to time, we make strategic acquisitions that may have a material impact on our consolidated results of operations or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (financial position. ) Tj ET Q q 0 0 0 rg BT 124.53 526.10 Td (W) Tj ET Q q 0 0 0 rg BT 133.16 526.10 Td (e allocate the purchase price of acquired businesses to the assets acquired and liabilities assumed in the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (transaction at their estimated fair values.) Tj ET Q q 0 0 0 rg BT 214.48 514.10 Td (The estimates used to determine the fair value of long-lived assets, such as intangible ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (assets, can be complex and require significant judgments.) Tj ET Q q 0 0 0 rg BT 282.53 502.10 Td (W) Tj ET Q q 0 0 0 rg BT 291.17 502.10 Td (e use information available to us to make fair value determinations ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (and engage independent valuation specialists, when necessary) Tj ET Q q 0 0 0 rg BT 297.32 490.10 Td (, to assist in the fair value determination of significant acquired ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (long-lived assets. ) Tj ET Q q 0 0 0 rg BT 121.75 478.10 Td (While we use our best estimates and assumptions as a part of the purchase price allocation process, our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (estimates are inherently uncertain and subject to refinement. ) Tj ET Q q 0 0 0 rg BT 292.96 466.10 Td (As a result, during the measurement period, which may be up to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (one year from the acquisition date, we record adjustments to the assets acquired and liabilities assumed, with the corresponding ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (of) Tj ET Q q 0 0 0 rg BT 58.15 442.10 Td (fset to goodwill. Upon the conclusion of the measurement period or final determination of the values of assets acquired or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (liabilities assumed, whichever comes first, any subsequent adjustments are recorded to our consolidated statements of income. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 418.10 Td (e are also required to estimate the useful lives of intangible assets to determine the amount of acquisition-related intangible ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (asset amortization expense to record in future periods.) Tj ET Q q 0 0 0 rg BT 268.91 406.10 Td (W) Tj ET Q q 0 0 0 rg BT 277.55 406.10 Td (e periodically review the estimated useful lives assigned to our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (intangible assets to determine whether such estimated useful lives continue to be appropriate.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 373.10 Td (Goodwill and ) Tj ET Q q 0 0 0 rg BT 107.42 373.10 Td (Acquired Intangible ) Tj ET Q q 0 0 0 rg BT 192.61 373.10 Td (Assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 352.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 352.10 Td (e review the carrying value of goodwill for impairment annually) Tj ET Q q 0 0 0 rg BT 315.40 352.10 Td (, or more frequently if events or circumstances indicate the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 340.10 Td (carrying value may not be recoverable. Goodwill is tested for impairment at a reporting unit level, determined to be at an ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 328.10 Td (operating segment level or one level below) Tj ET Q q 0 0 0 rg BT 221.51 328.10 Td (. ) Tj ET Q q 0 0 0 rg BT 226.33 328.10 Td (When reviewing goodwill for impairment, we consider the amount of excess fair ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 316.10 Td (value over the carrying value of each reporting unit, the period of time since a reporting unit) Tj ET Q q 0 0 0 rg BT 421.81 316.10 Td (s last quantitative test, the extent a ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 304.10 Td (reor) Tj ET Q q 0 0 0 rg BT 65.92 304.10 Td (ganization or disposition changes the composition of one or more of our reporting units, and other factors to determine ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 292.10 Td (whether or not to first perform a qualitative test. ) Tj ET Q q 0 0 0 rg BT 244.76 292.10 Td (When performing a qualitative test, we assess numerous factors to determine ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 280.10 Td (whether it is more likely than not that the fair value of our reporting units are less than their respective carrying values. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (Examples of qualitative factors that we assess include our share price, our financial performance, market and competitive ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (factors in our industry) Tj ET Q q 0 0 0 rg BT 137.94 256.10 Td (, and other events specific to our reporting units. If we conclude that it is more likely than not that the fair ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 244.10 Td (value of a reporting unit is less than its carrying value, we perform a quantitative impairment test.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 223.10 Td (The quantitative impairment test compares the fair value of the reporting unit to its carrying value, and recognizes an ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 211.10 Td (impairment loss for the amount by which a reporting unit) Tj ET Q q 0 0 0 rg BT 281.90 211.10 Td (s carrying amount exceeds its fair value, without exceeding the total ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 199.10 Td (amount of goodwill allocated to that reporting unit. ) Tj ET Q q 0 0 0 rg BT 257.28 199.10 Td (W) Tj ET Q q 0 0 0 rg BT 265.91 199.10 Td (e determine the fair value of a reporting unit based primarily on the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 187.10 Td (present value of estimated future cash flows. Determining the fair value of a reporting unit involves judgment and the use of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 175.10 Td (significant estimates and assumptions, which include assumptions regarding the revenue growth rates and operating mar) Tj ET Q q 0 0 0 rg BT 531.08 175.10 Td (gins ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 163.10 Td (used to calculate estimated future cash flows, risk-adjusted discount rates, and future economic and market conditions. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (Our most recent impairment assessment in the fourth quarter of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 306.04 142.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 326.04 142.10 Td ( determined that our goodwill was not impaired as the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (estimated fair values of the respective reporting units substantially exceeded the carrying values.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 109.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 109.10 Td (e review acquired intangible assets for impairment whenever events or changes in circumstances indicate the carrying ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 97.10 Td (amount of the asset may not be recoverable. Recoverability is assessed by comparing the carrying amount of the asset to the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 85.10 Td (undiscounted future cash flows expected to be generated by the asset. Measurement of any impairment loss is based on ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 73.10 Td (estimated fair value. Given the significance of our goodwill and intangible asset balances, an adverse change in fair value could ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 61.10 Td (result in an impairment char) Tj ET Q q 0 0 0 rg BT 162.56 61.10 Td (ge, which could be material to our consolidated financial statements.) Tj ET Q endstream endobj 57 0 obj <> endobj 58 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (26) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Revenue Recognition) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 721.25 Td (e generate revenue from the delivery of processing, service and product solutions. Revenue is measured based on ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 709.25 Td (consideration specified in a contract with a customer) Tj ET Q q 0 0 0 rg BT 260.36 709.25 Td (, and excludes any amounts collected on behalf of third parties. ) Tj ET Q q 0 0 0 rg BT 515.37 709.25 Td (W) Tj ET Q q 0 0 0 rg BT 524.01 709.25 Td (e ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 697.25 Td (recognize revenue when we satisfy a performance obligation by transferring control over a product or service to a customer ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 685.25 Td (which may be at a point in time or over time. ) Tj ET Q q 0 0 0 rg BT 232.18 685.25 Td (As a practical expedient, we do not adjust the transaction price for the ef) Tj ET Q q 0 0 0 rg BT 521.88 685.25 Td (fects of a ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 673.25 Td (significant financing component if, at contract inception, the period between customer payment and the transfer of goods or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 661.25 Td (services is expected to be one year or less. Contracts with customers are evaluated on a contract-by-contract basis as contracts ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 649.25 Td (may include multiple types of goods and services as described below) Tj ET Q q 0 0 0 rg BT 325.39 649.25 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 628.25 Td (Pr) Tj ET Q q 0 0 0 rg BT 59.63 628.25 Td (ocessing and Services) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 607.25 Td (Processing and services revenue is generated from account- and transaction-based fees for data processing, transaction ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 595.25 Td (processing, electronic billing and payment services, electronic funds transfer and debit processing services; consulting and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 583.25 Td (professional services; and software maintenance for ongoing client support.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 562.25 Td (e recognize processing and services revenues in the period in which the specific service is performed unless they are not ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 550.25 Td (deemed distinct from other goods or services in which revenue would then be recognized as control is transferred of the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 538.25 Td (combined goods and services. Our arrangements for processing and services typically consist of an obligation to provide ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 526.25 Td (specific services to our customers on a when and if needed basis \(a stand-ready obligation\) and revenue is recognized from the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 514.25 Td (satisfaction of the performance obligations in the amount billable to the customer) Tj ET Q q 0 0 0 rg BT 374.63 514.25 Td (. ) Tj ET Q q 0 0 0 rg BT 379.45 514.25 Td (These services are typically provided under a ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 502.25 Td (fixed or declining \(tier) Tj ET Q q 0 0 0 rg BT 140.04 502.25 Td (-based\) price per unit based on volume of service; however) Tj ET Q q 0 0 0 rg BT 376.50 502.25 Td (, pricing for services may also be based on ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 490.25 Td (minimum monthly usage fees. Fees for our processing and services arrangements are typically billed and paid on a monthly ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 478.25 Td (basis.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 457.25 Td (Pr) Tj ET Q q 0 0 0 rg BT 59.63 457.25 Td (oduct) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 436.25 Td (Product revenue is generated from integrated print and card production sales, as well as software license sales. For software ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 424.25 Td (license agreements that are distinct, we recognize software license revenue upon delivery) Tj ET Q q 0 0 0 rg BT 406.42 424.25 Td (, assuming a contract is deemed to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 412.25 Td (exist. Revenue for arrangements with customers that include significant customization, modification or production of software ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 400.25 Td (such that the software is not distinct is typically recognized over time based upon ef) Tj ET Q q 0 0 0 rg BT 385.28 400.25 Td (forts expended, such as labor hours, to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 388.25 Td (measure progress towards completion. For arrangements involving hosted licensed software for the customer) Tj ET Q q 0 0 0 rg BT 485.87 388.25 Td (, a software ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 376.25 Td (element is considered present to the extent the customer has the contractual right to take possession of the software at any time ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 364.25 Td (during the hosting period without significant penalty and it is feasible for the customer to either operate the software on their ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 352.25 Td (own hardware or contract with another vendor to host the software.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 331.25 Td (Significant Judgments) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 310.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 310.25 Td (e use the following methods, inputs, and assumptions in determining amounts of revenue to recognize. For multi-element ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 298.25 Td (arrangements, we account for individual goods or services as a separate performance obligation if they are distinct, the good or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 286.25 Td (service is separately identifiable from other items in the arrangement, and if a customer can benefit from it on its own or with ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 274.25 Td (other resources that are readily available to the customer) Tj ET Q q 0 0 0 rg BT 275.46 274.25 Td (. If these criteria are not met, the promised goods or services are ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 262.25 Td (accounted for as a combined performance obligation. Determining whether goods or services are distinct performance ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 250.25 Td (obligations that should be accounted for separately may require significant judgment.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 229.25 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 229.25 Td (echnology or service components from third parties are frequently embedded in or combined with our applications or service ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 217.25 Td (of) Tj ET Q q 0 0 0 rg BT 58.15 217.25 Td (ferings. ) Tj ET Q q 0 0 0 rg BT 90.74 217.25 Td (Whether we recognize revenue based on the gross amount billed to a customer or the net amount retained involves ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 205.25 Td (judgment that depends on the relevant facts and circumstances including the level of contractual responsibilities and obligations ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 193.25 Td (for delivering solutions to end customers.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 172.25 Td (The transaction price is determined based on the consideration to which we will be entitled in exchange for transferring ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 160.25 Td (products or services to the customer) Tj ET Q q 0 0 0 rg BT 193.57 160.25 Td (. ) Tj ET Q q 0 0 0 rg BT 198.39 160.25 Td (W) Tj ET Q q 0 0 0 rg BT 207.03 160.25 Td (e include any fixed char) Tj ET Q q 0 0 0 rg BT 302.92 160.25 Td (ges within our contracts as part of the total transaction price. ) Tj ET Q q 0 0 0 rg BT 547.10 160.25 Td (T) Tj ET Q q 0 0 0 rg BT 552.51 160.25 Td (o ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 148.25 Td (the extent that variable consideration is not constrained, we include an estimate of the variable amount, as appropriate, within ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 136.25 Td (the total transaction price and update our assumptions over the duration of the contract. ) Tj ET Q q 0 0 0 rg BT 401.10 136.25 Td (W) Tj ET Q q 0 0 0 rg BT 409.74 136.25 Td (e may constrain the estimated ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 124.25 Td (transaction price in the event of a high degree of uncertainty as to the final consideration amount owed because of an extended ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 112.25 Td (length of time over which the fees may be adjusted. ) Tj ET Q q 0 0 0 rg BT 258.92 112.25 Td (The transaction price \(including any discounts\) is allocated between ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 100.25 Td (separate goods and services in a multi-element arrangement based on their relative standalone selling prices. For items that are ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 88.25 Td (not sold separately) Tj ET Q q 0 0 0 rg BT 124.33 88.25 Td (, we estimate the standalone selling prices using available information such as market conditions and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 76.25 Td (internally approved pricing guidelines. Significant judgment may be required to determine standalone selling prices for each ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 64.25 Td (performance obligation and whether it depicts the amount we expect to receive in exchange for the related good or service.) Tj ET Q endstream endobj 59 0 obj <> endobj 60 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (27) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Contract modifications occur when we and our customers agree to modify existing customer contracts to change the scope or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (price \(or both\) of the contract or when a customer terminates some, or all, of the existing services provided by us. ) Tj ET Q q 0 0 0 rg BT 506.35 730.10 Td (When a ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (contract modification occurs, it requires us to exercise judgment to determine if the modification should be accounted for as:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (\(i\)a separate contract, \(ii\) the termination of the original contract and creation of a new contract, or \(iii\) a cumulative catch up ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (adjustment to the original contract. Further) Tj ET Q q 0 0 0 rg BT 221.22 694.10 Td (, contract modifications require the identification and evaluation of the performance ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (obligations of the modified contract, including the allocation of revenue to the remaining performance obligations and the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (period of recognition for each identified performance obligation.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 649.10 Td (Additional information about our revenue recognition policies is included within Note ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 397.42 649.10 Td (2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 402.42 649.10 Td ( to the consolidated financial ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 637.10 Td (statements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (Results of Operations) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 595.10 Td (Components of Revenue and Expenses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (The following summary describes the components of revenue and expenses as presented in our consolidated statements of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (income.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 541.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 59.63 541.10 Td (ocessing and Services) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 520.10 Td (Processing and services revenue, which in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 221.34 520.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 241.34 520.10 Td ( represented ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 292.42 520.10 Td (85%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 310.75 520.10 Td ( of our total revenue, is primarily generated from account- and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 508.10 Td (transaction-based fees under contracts that generally have terms of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 319.05 508.10 Td (three to five) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 367.36 508.10 Td ( years. Processing and services revenue is most ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 496.10 Td (reflective of our business performance as a significant amount of our total operating profit is generated by these services. Cost ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 484.10 Td (of processing and services includes costs directly associated with providing services to clients and includes the following: ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 472.10 Td (personnel; equipment and data communication; infrastructure costs, including costs to maintain software applications; client ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 460.10 Td (support; depreciation and amortization; and other operating expenses.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 439.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 59.63 439.10 Td (oduct) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (Product revenue, which in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 157.47 418.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 177.47 418.10 Td ( represented ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 228.55 418.10 Td (15%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 246.88 418.10 Td ( of our total revenue, is primarily derived from integrated print and card ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (production sales, as well as software license sales. Cost of product includes costs directly associated with the products sold and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (includes the following: costs of materials and software development; personnel; infrastructure costs; depreciation and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (amortization; and other costs directly associated with product revenue.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 361.10 Td (Selling, General and ) Tj ET Q q 0 0 0 rg BT 135.36 361.10 Td (Administrative Expenses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 340.10 Td (Selling, general and administrative expenses primarily consist of: salaries, wages, commissions and related expenses paid to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 328.10 Td (sales personnel, administrative employees and management; advertising and promotional costs; depreciation and amortization; ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 316.10 Td (and other selling and administrative expenses.) Tj ET Q endstream endobj 61 0 obj <> endobj 62 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (28) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Financial Results) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (The following table presents certain amounts included in our consolidated statements of income, the relative percentage that ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 709.25 Td (those amounts represent to revenue and the change in those amounts from year to year) Tj ET Q q 0 0 0 rg BT 394.89 709.25 Td (. ) Tj ET Q q 0 0 0 rg BT 399.71 709.25 Td (This information should be read ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 697.25 Td (together with the consolidated financial statements and accompanying notes.) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 663.75 m 325.5 663.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 663.75 m 329.5 663.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 663.75 m 369.5 663.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 663.75 m 373.5 663.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 663.75 m 413.5 663.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 663.75 m 447.5 663.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 663.75 m 451.5 663.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 663.75 m 487.5 663.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 663.75 m 491.5 663.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 663.75 m 521.5 663.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 663.75 m 525.5 663.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 663.75 m 561.5 663.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 168.5 648.75 m 203.5 648.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 648.75 m 242.5 648.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 648.75 m 281.5 648.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 663.75 m 325.5 663.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 648.75 m 325.5 648.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 663.75 m 329.5 663.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 663.75 m 369.5 663.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 648.75 m 369.5 648.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 663.75 m 373.5 663.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 663.75 m 413.5 663.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 648.75 m 413.5 648.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 663.75 m 447.5 663.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 648.75 m 447.5 648.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 663.75 m 451.5 663.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 648.75 m 451.5 648.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 663.75 m 487.5 663.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 648.75 m 487.5 648.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 663.75 m 521.5 663.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 648.75 m 521.5 648.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 663.75 m 525.5 663.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 648.75 m 525.5 648.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 663.75 m 561.5 663.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 648.75 m 561.5 648.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 168.5 606.75 m 203.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 606.75 m 242.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 606.75 m 281.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 606.75 m 325.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 606.75 m 369.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 606.75 m 413.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 606.75 m 447.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 606.75 m 487.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 606.75 m 521.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 606.75 m 561.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 168.5 592.75 m 203.5 592.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 592.75 m 242.5 592.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 592.75 m 281.5 592.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 592.75 m 325.5 592.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 592.75 m 369.5 592.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 592.75 m 413.5 592.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 592.75 m 447.5 592.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 592.75 m 487.5 592.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 592.75 m 521.5 592.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 606.75 m 561.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 592.75 m 561.5 592.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 168.5 592.75 m 203.5 592.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 168.5 539.75 m 203.5 539.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 539.75 m 242.5 539.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 539.75 m 281.5 539.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 539.75 m 325.5 539.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 539.75 m 369.5 539.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 539.75 m 413.5 539.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 539.75 m 447.5 539.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 539.75 m 487.5 539.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 539.75 m 521.5 539.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 539.75 m 561.5 539.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 539.75 m 207.5 539.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 168.5 488.75 m 203.5 488.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 488.75 m 242.5 488.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 488.75 m 281.5 488.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 488.75 m 325.5 488.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 488.75 m 369.5 488.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 488.75 m 413.5 488.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 488.75 m 447.5 488.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 488.75 m 487.5 488.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 488.75 m 521.5 488.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 488.75 m 561.5 488.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 168.5 474.75 m 203.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 474.75 m 242.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 474.75 m 281.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 474.75 m 325.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 488.75 m 369.5 488.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 474.75 m 369.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 488.75 m 413.5 488.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 474.75 m 413.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 474.75 m 447.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 474.75 m 487.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 474.75 m 521.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 474.75 m 561.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 168.5 474.75 m 203.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 474.75 m 369.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 168.5 396.75 m 203.5 396.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 168.5 342.75 m 203.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 168.5 340.75 m 203.5 340.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 396.75 m 242.5 396.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 342.75 m 242.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 340.75 m 242.5 340.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 396.75 m 281.5 396.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 342.75 m 281.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 340.75 m 281.5 340.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 396.75 m 325.5 396.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 342.75 m 325.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 340.75 m 325.5 340.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 396.75 m 369.5 396.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 342.75 m 369.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 340.75 m 369.5 340.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 396.75 m 413.5 396.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 342.75 m 413.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 340.75 m 413.5 340.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 396.75 m 447.5 396.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 342.75 m 447.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 340.75 m 447.5 340.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 396.75 m 487.5 396.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 342.75 m 487.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 340.75 m 487.5 340.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 396.75 m 521.5 396.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 342.75 m 521.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 340.75 m 521.5 340.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 396.75 m 561.5 396.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 342.75 m 561.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 340.75 m 561.5 340.75 l s BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 53 666.86259765625 m 105.509765625 666.86259765625 l s q 0 0 0 rg BT 53.00 668.43 Td (\(In millions\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 171.00 668.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.45 668.43 Td (Per) Tj ET Q q 0 0 0 rg BT 310.25 668.43 Td (centage of Revenue) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 394.95 672.96 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.35 668.43 Td (Incr) Tj ET Q q 0 0 0 rg BT 465.59 668.43 Td (ease \(Decr) Tj ET Q q 0 0 0 rg BT 509.54 668.43 Td (ease\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 653.42 Td (Y) Tj ET Q q 0 0 0 rg BT 59.72 653.42 Td (ear ended December31,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 175.50 653.43 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.50 653.43 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.50 653.43 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.00 653.43 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.00 653.43 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.00 653.43 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.80 653.43 Td (2018 vs. 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.80 653.43 Td (2017 vs. 2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 639.32 Td (Revenue:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 625.32 Td (Processing and services) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 171.00 625.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 177.10 625.32 Td (4,975) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 210.00 625.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 216.10 625.32 Td (4,833) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 249.00 625.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 255.10 625.32 Td (4,625) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 295.80 625.32 Td (85.4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 316.65 625.32 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 339.80 625.32 Td (84.8) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 360.65 625.32 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 383.80 625.32 Td (84.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 404.65 625.32 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 420.00 625.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 428.60 625.32 Td (142) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 470.30 625.32 Td (3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 478.65 625.32 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 494.00 625.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 502.60 625.32 Td (208) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 544.30 625.32 Td (4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 552.65 625.32 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 611.32 Td (Product) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 184.60 611.32 Td (848) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 223.60 611.32 Td (863) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 262.60 611.32 Td (880) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 295.80 611.32 Td (14.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 316.65 611.32 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 339.80 611.32 Td (15.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 360.65 611.32 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 383.80 611.32 Td (16.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 404.65 611.32 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 430.30 611.37 Td (\(15) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 443.65 611.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 466.95 611.32 Td (\(2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 475.30 611.32 Td (\)%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 504.30 611.37 Td (\(17) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 517.65 611.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 540.95 611.32 Td (\(2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.30 611.32 Td (\)%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 597.32 Td (T) Tj ET Q q 0 0 0 rg BT 76.76 597.32 Td (otal revenue) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 177.10 597.32 Td (5,823) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 216.10 597.32 Td (5,696) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 255.10 597.32 Td (5,505) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 290.80 597.32 Td (100.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 316.65 597.32 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 334.80 597.32 Td (100.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 360.65 597.32 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 378.80 597.32 Td (100.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 404.65 597.32 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 428.60 597.32 Td (127) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 470.30 597.32 Td (2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 478.65 597.32 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 502.60 597.32 Td (191) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 544.30 597.32 Td (3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 552.65 597.32 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 583.32 Td (Expenses:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 568.42 Td (Cost of processing and) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 558.42 Td (services) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 177.10 558.42 Td (2,324) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 216.10 558.42 Td (2,291) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 255.10 558.42 Td (2,212) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 295.80 558.42 Td (46.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 316.65 558.42 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 339.80 558.42 Td (47.4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 360.65 558.42 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 383.80 558.42 Td (47.8) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 404.65 558.42 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 433.60 558.42 Td (33) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 470.30 558.42 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 478.65 558.42 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 507.60 558.42 Td (79) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 544.30 558.42 Td (4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 552.65 558.42 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 544.32 Td (Cost of product) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 184.60 544.32 Td (745) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 223.60 544.32 Td (733) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 262.60 544.32 Td (747) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 295.80 544.32 Td (87.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 316.65 544.32 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 339.80 544.32 Td (84.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 360.65 544.32 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 383.80 544.32 Td (84.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 404.65 544.32 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 433.60 544.32 Td (12) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 470.30 544.32 Td (2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 478.65 544.32 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 504.30 544.37 Td (\(14) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 517.65 544.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 540.95 544.32 Td (\(2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.30 544.32 Td (\)%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 530.32 Td (Sub-total) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 177.10 530.32 Td (3,069) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 216.10 530.32 Td (3,024) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 255.10 530.32 Td (2,959) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 295.80 530.32 Td (52.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 316.65 530.32 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 339.80 530.32 Td (53.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 360.65 530.32 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 383.80 530.32 Td (53.8) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 404.65 530.32 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 433.60 530.32 Td (45) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 470.30 530.32 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 478.65 530.32 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 507.60 530.32 Td (65) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 544.30 530.32 Td (2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 552.65 530.32 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 516.32 Td (Selling, general and) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 506.32 Td (administrative) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 177.10 507.42 Td (1,228) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 216.10 507.42 Td (1,150) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 255.10 507.42 Td (1,101) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 295.80 507.42 Td (21.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 316.65 507.42 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 339.80 507.42 Td (20.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 360.65 507.42 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 383.80 507.42 Td (20.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 404.65 507.42 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 433.60 507.42 Td (78) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 470.30 507.42 Td (7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 478.65 507.42 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 507.60 507.42 Td (49) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 544.30 507.42 Td (4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 552.65 507.42 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 493.32 Td (Gain on sale of businesses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 181.30 493.32 Td (\(227) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 199.65 493.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.30 493.32 Td (\(10) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 238.65 493.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 267.65 493.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 297.45 493.32 Td (\(3.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 313.30 493.32 Td (\)%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 341.45 493.32 Td (\(0.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 357.30 493.32 Td (\)%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 391.30 493.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 428.60 493.32 Td (217) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.40 493.32 Td (n/m) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 507.60 493.32 Td (10) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 542.40 493.32 Td (n/m) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 479.32 Td (T) Tj ET Q q 0 0 0 rg BT 76.41 479.32 Td (otal expenses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 177.10 479.32 Td (4,070) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 216.10 479.32 Td (4,164) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 255.10 479.32 Td (4,060) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 295.80 479.32 Td (69.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 316.65 479.32 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 339.80 479.32 Td (73.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 360.65 479.32 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 383.80 479.32 Td (73.8) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 404.65 479.32 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 430.30 479.37 Td (\(94) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 443.65 479.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 466.95 479.32 Td (\(2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 475.30 479.32 Td (\)%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 502.60 479.32 Td (104) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 544.30 479.32 Td (3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 552.65 479.32 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 465.32 Td (Operating income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 177.10 465.32 Td (1,753) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 216.10 465.32 Td (1,532) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 255.10 465.32 Td (1,445) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 295.80 465.32 Td (30.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 316.65 465.32 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 339.80 465.32 Td (26.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 360.65 465.32 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 383.80 465.32 Td (26.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 404.65 465.32 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 428.60 465.32 Td (221) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 465.30 465.32 Td (14) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 478.65 465.32 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 507.60 465.32 Td (87) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 544.30 465.32 Td (6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 552.65 465.32 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 451.32 Td (Interest expense) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 181.30 451.32 Td (\(193) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 199.65 451.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 220.30 451.32 Td (\(176) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 238.65 451.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 259.30 451.32 Td (\(163) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 277.65 451.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 297.45 451.32 Td (\(3.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 313.30 451.32 Td (\)%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 341.45 451.32 Td (\(3.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 357.30 451.32 Td (\)%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 385.45 451.32 Td (\(3.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 401.30 451.32 Td (\)%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 433.60 451.32 Td (17) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 465.30 451.32 Td (10) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 478.65 451.32 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 507.60 451.32 Td (13) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 544.30 451.32 Td (8) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 552.65 451.32 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 436.42 Td (Loss on early debt) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 62.00 426.42 Td (extinguishment) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 186.30 426.42 Td (\(14) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 199.65 426.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 228.65 426.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 267.65 426.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 297.45 426.42 Td (\(0.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 313.30 426.42 Td (\)%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 347.30 426.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 391.30 426.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 433.60 426.42 Td (14) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.40 426.42 Td (n/m) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 507.60 426.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 539.30 426.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 411.42 Td (Non-operating income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 62.00 401.42 Td (\(loss\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 194.65 401.42 Td (9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 233.65 401.42 Td (2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 269.30 401.42 Td (\(7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 277.65 401.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 300.80 401.42 Td (0.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 316.65 401.42 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 347.30 401.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 385.45 401.42 Td (\(0.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 401.30 401.42 Td (\)%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 438.65 401.42 Td (7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.40 401.42 Td (n/m) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 512.65 401.42 Td (9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 542.40 401.42 Td (n/m) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 386.42 Td (Income from continuing) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 62.00 376.42 Td (operations before income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 62.00 366.42 Td (taxes and income from) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 62.00 356.42 Td (investments in) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 62.00 346.42 Td (unconsolidated af) Tj ET Q q 0 0 0 rg BT 132.63 346.42 Td (filiates) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 171.00 346.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 177.10 346.42 Td (1,555) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 210.00 346.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 216.10 346.42 Td (1,358) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 249.00 346.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 255.10 346.42 Td (1,275) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 295.80 346.42 Td (26.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 316.65 346.42 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 339.80 346.42 Td (23.8) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 360.65 346.42 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 383.80 346.42 Td (23.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 404.65 346.42 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 420.00 346.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 428.60 346.42 Td (197) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 465.30 346.42 Td (15) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 478.65 346.42 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 494.00 346.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 507.60 346.42 Td (83) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 544.30 346.42 Td (7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 552.65 346.42 Td (%) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 321.25 Td (\(1\) ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 321.25 Td (Percentage of revenue is calculated as the relevant revenue, expense, income or loss amount divided by total revenue, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 309.25 Td (except for cost of processing and services and cost of product amounts which are divided by the related component of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 297.25 Td (revenue.) Tj ET Q endstream endobj 63 0 obj <> endobj 64 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (29) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 710.5 m 282.5 710.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 710.5 m 308.5 710.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 710.5 m 372.5 710.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 710.5 m 398.5 710.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 710.5 m 480.5 710.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 710.5 m 544.5 710.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 544.5 710.5 m 570.5 710.5 l s BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 53 733.76259765625 m 105.509765625 733.76259765625 l s q 0 0 0 rg BT 53.00 735.33 Td (\(In millions\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 715.17 Td (Y) Tj ET Q q 0 0 0 rg BT 59.22 715.17 Td (ear ended December31,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.15 715.18 Td (Payments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.95 715.18 Td (Financial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.75 725.18 Td (Corporate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.00 715.18 Td (and Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 516.05 715.18 Td (T) Tj ET Q q 0 0 0 rg BT 521.80 715.18 Td (otal) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 701.07 Td (T) Tj ET Q q 0 0 0 rg BT 58.76 701.07 Td (otal revenue:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 687.07 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.00 687.07 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 251.15 687.07 Td (3,467) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 315.00 687.07 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 337.75 687.07 Td (2,395) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 405.00 687.07 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 450.25 687.07 Td (\(39) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.60 687.07 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 487.00 687.07 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 513.15 687.07 Td (5,823) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 673.07 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 251.15 673.07 Td (3,234) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 337.75 673.07 Td (2,530) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 450.25 673.07 Td (\(68) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.60 673.07 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 513.15 673.07 Td (5,696) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 659.07 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 251.15 659.07 Td (3,090) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 337.75 659.07 Td (2,477) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 450.25 659.07 Td (\(62) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.60 659.07 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 513.15 659.07 Td (5,505) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 639.07 Td (Revenue growth:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 625.07 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.00 625.07 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 258.65 625.07 Td (233) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 315.00 625.07 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 341.95 625.07 Td (\(135) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 360.30 625.07 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 405.00 625.07 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.60 625.07 Td (29) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 487.00 625.07 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 520.65 625.07 Td (127) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 611.07 Td (2018 percentage) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 262.65 611.07 Td (7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 267.65 611.07 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 345.95 611.07 Td (\(5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 354.30 611.07 Td (\)%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 524.65 611.07 Td (2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 529.65 611.07 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 597.07 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.00 597.07 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 258.65 597.07 Td (144) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 315.00 597.07 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 350.30 597.07 Td (53) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 405.00 597.07 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 455.25 597.07 Td (\(6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.60 597.07 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 487.00 597.07 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 520.65 597.07 Td (191) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 583.07 Td (2017 percentage) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 262.65 583.07 Td (5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 267.65 583.07 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 349.30 583.07 Td (2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 357.65 583.07 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 524.65 583.07 Td (3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 529.65 583.07 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 563.07 Td (Operating income:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 549.07 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.00 549.07 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 251.15 549.07 Td (1,122) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 315.00 549.07 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 345.30 549.07 Td (798) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 405.00 549.07 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 445.25 549.07 Td (\(167) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.60 549.07 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 487.00 549.07 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 513.15 549.07 Td (1,753) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 535.07 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 251.15 535.07 Td (1,034) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 345.30 535.07 Td (849) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 445.25 535.07 Td (\(351) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.60 535.07 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 513.15 535.07 Td (1,532) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 521.07 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 258.65 521.07 Td (943) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 345.30 521.07 Td (823) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 445.25 521.07 Td (\(321) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.60 521.07 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 513.15 521.07 Td (1,445) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 501.07 Td (Operating income growth:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 487.07 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.00 487.07 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 263.65 487.07 Td (88) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 315.00 487.07 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 346.95 487.07 Td (\(51) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 360.30 487.07 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 405.00 487.07 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 448.60 487.07 Td (184) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 487.00 487.07 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 520.65 487.07 Td (221) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 473.07 Td (2018 percentage) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 262.65 473.07 Td (9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 267.65 473.07 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 345.95 473.07 Td (\(6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 354.30 473.07 Td (\)%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 519.65 473.07 Td (14) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 529.65 473.07 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 459.07 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.00 459.07 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 263.65 459.07 Td (91) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 315.00 459.07 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 350.30 459.07 Td (26) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 405.00 459.07 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 450.25 459.07 Td (\(30) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.60 459.07 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 487.00 459.07 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 525.65 459.07 Td (87) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 445.07 Td (2017 percentage) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 257.65 445.07 Td (10) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 267.65 445.07 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 349.30 445.07 Td (3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 357.65 445.07 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 524.65 445.07 Td (6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 529.65 445.07 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 425.07 Td (Operating mar) Tj ET Q q 0 0 0 rg BT 110.85 425.07 Td (gin:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 411.07 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 250.15 411.07 Td (32.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 267.65 411.07 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 336.75 411.07 Td (33.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 357.65 411.07 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 512.15 411.07 Td (30.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 529.65 411.07 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 397.07 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 250.15 397.07 Td (32.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 267.65 397.07 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 336.75 397.07 Td (33.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 357.65 397.07 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 512.15 397.07 Td (26.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 529.65 397.07 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 383.07 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 250.15 383.07 Td (30.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 267.65 383.07 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 336.75 383.07 Td (33.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 357.65 383.07 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 512.15 383.07 Td (26.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 529.65 383.07 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 363.07 Td (Operating mar) Tj ET Q q 0 0 0 rg BT 110.85 363.07 Td (gin growth: ) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 159.74 367.60 Td (\(1\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 349.07 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 257.65 349.07 Td (30) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 285.10 349.07 Td (bps) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 340.95 349.07 Td (\(20) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 354.30 349.07 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 375.10 349.07 Td (bps) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 514.65 349.07 Td (320) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 547.10 349.07 Td (bps) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 335.07 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 252.65 335.07 Td (150) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 285.10 335.07 Td (bps) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 344.30 335.07 Td (30) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 375.10 335.07 Td (bps) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 519.65 335.07 Td (70) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 547.10 335.07 Td (bps) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 310.00 Td (\(1\) ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 310.00 Td (Represents the basis point growth or decline in operating mar) Tj ET Q q 0 0 0 rg BT 313.59 310.00 Td (gin.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 289.00 Td (T) Tj ET Q q 0 0 0 rg BT 54.64 289.00 Td (otal Revenue) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 268.00 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 268.00 Td (otal revenue ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 107.05 268.00 Td (increased) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 144.80 268.00 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 147.30 268.00 Td ($127 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 198.70 268.00 Td (, or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 214.53 268.00 Td (2%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 227.86 268.00 Td (, in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 243.13 268.00 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 263.13 268.00 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 282.57 268.00 Td (increased) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 320.33 268.00 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 322.83 268.00 Td ($191 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 374.22 268.00 Td (, or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 390.05 268.00 Td (3%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 403.38 268.00 Td (, in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 418.66 268.00 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 438.66 268.00 Td ( compared to the prior years. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 247.00 Td (Revenue in our Payments segment ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 190.81 247.00 Td (increased) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 228.56 247.00 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 231.06 247.00 Td ($233 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 282.45 247.00 Td (, or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 298.28 247.00 Td (7%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 311.61 247.00 Td (, in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 326.89 247.00 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 346.89 247.00 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 366.33 247.00 Td (increased) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 404.08 247.00 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 406.58 247.00 Td ($144million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 457.97 247.00 Td (, or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 473.80 247.00 Td (5%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 487.13 247.00 Td (, in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 502.41 247.00 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 522.41 247.00 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 235.00 Td (compared to the prior years. Revenue from acquired businesses contributed 2% and 1% in 2018 and 2017, respectively) Tj ET Q q 0 0 0 rg BT 525.04 235.00 Td (, to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 223.00 Td (Payments segment revenue growth. Revenue growth at our card services business contributed approximately 2% and 2.5% in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 211.00 Td (2018 and 2017, respectively) Tj ET Q q 0 0 0 rg BT 162.10 211.00 Td (, to the Payments segment revenue growth lar) Tj ET Q q 0 0 0 rg BT 344.65 211.00 Td (gely due to increased transaction volumes. Increased ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 199.00 Td (volumes also drove revenue growth contributions of 1% in both 2018 and 2017 from our electronic payments business and 1% ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 187.00 Td (in 2018 from our biller solutions business. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 166.00 Td (Revenue in our Financial segment ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 189.13 166.00 Td (decreased) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 228.54 166.00 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 231.04 166.00 Td ($135 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 282.44 166.00 Td (, or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 298.27 166.00 Td (5%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 311.60 166.00 Td (, in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 326.88 166.00 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 346.88 166.00 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 366.31 166.00 Td (increased) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 404.07 166.00 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 406.57 166.00 Td ($53 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 452.96 166.00 Td (, or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.79 166.00 Td (2%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 482.12 166.00 Td (, in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 497.40 166.00 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 517.40 166.00 Td ( compared ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 154.00 Td (to the prior years. Dispositions, including the Lending Solutions business, reduced Financial segment revenue growth by 9% in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 142.00 Td (2018 and 1% in 2017 compared to the prior years. Partially of) Tj ET Q q 0 0 0 rg BT 297.53 142.00 Td (fsetting the decline in 2018, our account processing businesses ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 130.00 Td (contributed 2.5% of revenue growth to the Financial segment. Our lending solutions business contributed approximately 2% to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 118.00 Td (the Financial segment revenue growth in 2017, driven by increased volumes.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 97.00 Td (Revenue at Corporate and Other increased ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 222.15 97.00 Td ($29million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 268.54 97.00 Td ( in 2018 compared to 2017, primarily due to transition services revenue ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 85.00 Td (from the Lending Joint ) Tj ET Q q 0 0 0 rg BT 144.25 85.00 Td (V) Tj ET Q q 0 0 0 rg BT 150.36 85.00 Td (entures. Revenue at Corporate and Other was relatively consistent in 2017 and 2016.) Tj ET Q endstream endobj 65 0 obj <> endobj 66 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (30) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (T) Tj ET Q q 0 0 0 rg BT 54.64 742.10 Td (otal Expenses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 721.10 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 721.10 Td (otal expenses ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 111.50 721.10 Td (decreased) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 150.92 721.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 153.42 721.10 Td ($94 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 199.81 721.10 Td (, or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 215.64 721.10 Td (2%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 228.97 721.10 Td (, in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 244.25 721.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 264.25 721.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 283.69 721.10 Td (increased) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 321.44 721.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 323.94 721.10 Td ($104 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 375.33 721.10 Td (, or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 391.16 721.10 Td (3%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 404.49 721.10 Td (, in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 419.77 721.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 439.77 721.10 Td ( compared to the prior years. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 709.10 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 709.10 Td (otal expenses as a percentage of total revenue was ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 258.37 709.10 Td (69.9%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 284.20 709.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 289.20 709.10 Td (73.1%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 315.03 709.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 334.47 709.10 Td (73.8%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 360.30 709.10 Td ( in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 373.08 709.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 393.08 709.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 398.08 709.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 418.08 709.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 437.52 709.10 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 457.52 709.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 510.18 709.10 Td (. ) Tj ET Q q 0 0 0 rg BT 515.00 709.10 Td (T) Tj ET Q q 0 0 0 rg BT 520.41 709.10 Td (otal ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 697.10 Td (expenses and total expenses as a percentage of total revenue were reduced by the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 376.52 697.10 Td ($227 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 427.91 697.10 Td ( gain on sale of a 55% interest of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 685.10 Td (our Lending Solutions business in 2018 and by the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 255.27 685.10 Td ($10 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.66 685.10 Td ( gain on sale of our ) Tj ET Q q 0 0 0 rg BT 380.53 685.10 Td (Australian item processing business in 2017.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (Cost of processing and services as a percentage of processing and services revenue was ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 402.09 664.10 Td (46.7%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 427.92 664.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 432.92 664.10 Td (47.4%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.75 664.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 478.19 664.10 Td (47.8%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 504.02 664.10 Td ( in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 516.80 664.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.80 664.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 541.80 664.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 561.80 664.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 66.94 652.10 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.94 652.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 139.60 652.10 Td (. Cost of processing and services as a percentage of processing and services revenue was favorably ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (impacted by operating leverage in our recurring revenue businesses in both 2018 and 2017. In 2018, this included ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (improvements of approximately 80 basis points from scalable revenue growth in our Payments segment, and approximately 60 ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (basis points from our account processing businesses driven by product mix and expense management. Cost of processing and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (services as a percentage of processing and services revenue improvement in 2018 was partially of) Tj ET Q q 0 0 0 rg BT 440.79 604.10 Td (fset by approximately 50 ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (basis points from client-focused incremental investments.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 571.10 Td (Cost of product as a percentage of product revenue was ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 274.36 571.10 Td (87.9%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 300.19 571.10 Td ( in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 312.97 571.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 332.97 571.10 Td ( and was consistent at ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 422.67 571.10 Td (84.9%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 448.50 571.10 Td ( in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 461.28 571.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 481.28 571.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 500.72 571.10 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 520.72 571.10 Td (. Cost of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 559.10 Td (product as a percentage of product revenue in 2018 was lar) Tj ET Q q 0 0 0 rg BT 285.83 559.10 Td (gely impacted by additional expenses associated with product ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 547.10 Td (development, as well as by approximately 130 basis points due to a decrease in higher) Tj ET Q q 0 0 0 rg BT 394.43 547.10 Td (-mar) Tj ET Q q 0 0 0 rg BT 413.13 547.10 Td (gin software license revenue.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (Selling, general and administrative expenses as a percentage of total revenue was ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 377.37 526.10 Td (21.1%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 403.20 526.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 408.20 526.10 Td (20.2%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 434.03 526.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.47 526.10 Td (20.0%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 479.30 526.10 Td ( in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 492.08 526.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 512.08 526.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 517.08 526.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 537.08 526.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 70.00 514.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 122.66 514.10 Td (. ) Tj ET Q q 0 0 0 rg BT 127.48 514.10 Td (The disposition of a 55% interest of our Lending Solutions business negatively impacted selling, general ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (and administrative expenses as a percentage of total revenue in 2018 by approximately 50 basis points. Increased costs ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (associated with acquisitions negatively impacted selling, general and administrative expenses as a percentage of total revenue ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (by approximately 30 basis points in 2018 and 40 basis points in 2017 compared to the prior years.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 457.10 Td (The gain on sale of businesses of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 184.69 457.10 Td ($227million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 236.08 457.10 Td ( in 2018 and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 288.30 457.10 Td ($10million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 334.69 457.10 Td ( in 2017 resulted from the sales of a 55% interest of our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 445.10 Td (Lending Solutions business and our ) Tj ET Q q 0 0 0 rg BT 194.72 445.10 Td (Australian item processing business, respectively) Tj ET Q q 0 0 0 rg BT 390.97 445.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 424.10 Td (Operating Income and Operating Mar) Tj ET Q q 0 0 0 rg BT 203.50 424.10 Td (gin) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 403.10 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 403.10 Td (otal operating income ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 145.10 403.10 Td (increased) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 182.86 403.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 185.36 403.10 Td ($221 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 236.75 403.10 Td (, or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 252.58 403.10 Td (14%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 270.91 403.10 Td (, in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 286.19 403.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 306.19 403.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 325.63 403.10 Td (increased) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 363.38 403.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 365.88 403.10 Td ($87 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 412.27 403.10 Td (, or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 428.10 403.10 Td (6%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 441.43 403.10 Td (, in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.71 403.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 476.71 403.10 Td ( compared to the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 391.10 Td (prior years. ) Tj ET Q q 0 0 0 rg BT 97.86 391.10 Td (T) Tj ET Q q 0 0 0 rg BT 103.27 391.10 Td (otal operating mar) Tj ET Q q 0 0 0 rg BT 176.39 391.10 Td (gin ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 191.67 391.10 Td (increased) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 229.42 391.10 Td ( to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 242.20 391.10 Td (30.1%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 268.03 391.10 Td ( in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 280.81 391.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 300.81 391.10 Td ( from ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 325.25 391.10 Td (26.9%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 351.08 391.10 Td ( in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 363.86 391.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 383.86 391.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 403.30 391.10 Td (26.2%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 429.13 391.10 Td ( in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 441.90 391.10 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 461.90 391.10 Td (. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (Operating income in our Payments segment ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 227.74 370.10 Td (increased) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 265.49 370.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 267.99 370.10 Td ($88 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 314.38 370.10 Td (, or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 330.21 370.10 Td (9%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 343.54 370.10 Td (, in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 358.82 370.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 378.82 370.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 398.26 370.10 Td (increased) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 436.02 370.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 438.52 370.10 Td ($91 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 484.91 370.10 Td (, or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 500.74 370.10 Td (10%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 519.07 370.10 Td (, in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 534.35 370.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 554.35 370.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (compared to the prior years. Operating mar) Tj ET Q q 0 0 0 rg BT 222.81 358.10 Td (gin was ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 256.14 358.10 Td (32.3%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 281.97 358.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 286.97 358.10 Td (32.0%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 312.80 358.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 332.24 358.10 Td (30.5%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 358.07 358.10 Td ( in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 370.84 358.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 390.84 358.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 395.84 358.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 415.84 358.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 435.28 358.10 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 455.28 358.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 507.94 358.10 Td (, increasing ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (30) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 60.00 346.10 Td ( basis points in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.23 346.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 142.23 346.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 161.67 346.10 Td (150) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 176.67 346.10 Td ( basis points in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 238.89 346.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 258.89 346.10 Td (. Scalable revenue growth positively impacted Payments segment operating ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (mar) Tj ET Q q 0 0 0 rg BT 65.37 334.10 Td (gin by approximately 120 basis points and 200 basis points in 2018 and 2017, respectively) Tj ET Q q 0 0 0 rg BT 426.62 334.10 Td (. Payments segment operating ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (mar) Tj ET Q q 0 0 0 rg BT 65.37 322.10 Td (gin improvement was partially of) Tj ET Q q 0 0 0 rg BT 198.49 322.10 Td (fset by 30 basis points in 2018 and 50 basis points in 2017 as a result of acquisitions, and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (by approximately 50 basis points in 2018 from client-focused incremental investments.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 289.10 Td (Operating income in our Financial segment ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 226.06 289.10 Td (decreased) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 265.48 289.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 267.98 289.10 Td ($51 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 314.37 289.10 Td (, or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 330.20 289.10 Td (6%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 343.53 289.10 Td (, in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 358.81 289.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 378.81 289.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 398.25 289.10 Td (increased) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 436.00 289.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 438.50 289.10 Td ($26 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 484.89 289.10 Td (, or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 500.72 289.10 Td (3%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 514.05 289.10 Td (, in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 529.33 289.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.33 289.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 277.10 Td (compared to the prior years. Operating mar) Tj ET Q q 0 0 0 rg BT 222.81 277.10 Td (gin was ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 256.14 277.10 Td (33.3%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 281.97 277.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 286.97 277.10 Td (33.5%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 312.80 277.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 332.24 277.10 Td (33.2%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 358.07 277.10 Td ( in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 370.84 277.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 390.84 277.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 395.84 277.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 415.84 277.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 435.28 277.10 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 455.28 277.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 507.94 277.10 Td (, decreasing ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 265.10 Td (20) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 60.00 265.10 Td ( basis points in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.23 265.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 142.23 265.10 Td ( and increasing ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 205.26 265.10 Td (30) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 215.26 265.10 Td ( basis points in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 277.49 265.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 297.49 265.10 Td (. Financial segment operating mar) Tj ET Q q 0 0 0 rg BT 433.65 265.10 Td (gin in 2018 was reduced by ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 253.10 Td (approximately 130 basis points due to the disposition of a 55% interest of our Lending Solutions business and 20 basis points ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 241.10 Td (from client-focused incremental investments, partially of) Tj ET Q q 0 0 0 rg BT 277.52 241.10 Td (fset by contributions of approximately 130 basis points from our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 229.10 Td (account processing businesses related to product mix and expense management. Financial segment operating mar) Tj ET Q q 0 0 0 rg BT 503.57 229.10 Td (gin in 2017 ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 217.10 Td (was positively impacted by approximately 70 basis points from scalable revenue growth, partially of) Tj ET Q q 0 0 0 rg BT 451.94 217.10 Td (fset by 30 basis points ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 205.10 Td (from increased expenses associated with incremental investments in innovation-based solutions.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 184.10 Td (The operating loss in Corporate and Other ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 221.34 184.10 Td (decreased) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 260.76 184.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 263.26 184.10 Td ($184 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 314.65 184.10 Td ( in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 327.43 184.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 347.43 184.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 366.87 184.10 Td (increased) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 404.62 184.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 407.12 184.10 Td ($30million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.51 184.10 Td ( in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 466.29 184.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 486.29 184.10 Td ( compared to the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 172.10 Td (prior years. Corporate and Other was favorably impacted by gains of $227 million and $10 million from the sales of a 55% ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 160.10 Td (interest of our Lending Solutions business in 2018 and our ) Tj ET Q q 0 0 0 rg BT 286.09 160.10 Td (Australian item processing business in 2017, respectively) Tj ET Q q 0 0 0 rg BT 515.12 160.10 Td (. ) Tj ET Q q 0 0 0 rg BT 519.94 160.10 Td (The ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 148.10 Td (operating loss in Corporate and Other in 2018 compared to 2017 was primarily impacted by increased professional services ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 136.10 Td (expenses for data center consolidation and acquisition integration activities. ) Tj ET Q q 0 0 0 rg BT 355.28 136.10 Td (The operating loss increase in 2017 was primarily ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 124.10 Td (attributable to increased acquisition and related integration costs of $12 million and increased employee benefit expenses, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 112.10 Td (including severance, of $20 million.) Tj ET Q endstream endobj 67 0 obj <> endobj 68 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (31) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Inter) Tj ET Q q 0 0 0 rg BT 69.07 742.10 Td (est Expense) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 721.10 Td (Interest expense ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 117.19 721.10 Td (increased) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 154.95 721.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 157.45 721.10 Td ($17million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 203.84 721.10 Td (, or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 219.67 721.10 Td (10%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 238.00 721.10 Td (, in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 253.28 721.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 273.28 721.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 292.71 721.10 Td (increased) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 330.47 721.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 332.97 721.10 Td ($13 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 379.36 721.10 Td (, or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 395.19 721.10 Td (8%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 408.52 721.10 Td (, in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 423.80 721.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 443.80 721.10 Td ( compared to the prior years. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 709.10 Td (The interest expense increase in 2018 was primarily attributable to the issuance of $2.0 billion of fixed-rate senior notes. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 697.10 Td (Higher average variable interest rates and higher average outstanding debt contributed approximately $7million and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 685.10 Td ($6million, respectively) Tj ET Q q 0 0 0 rg BT 144.05 685.10 Td (, to increased interest expense in 2017 compared to 2016. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (Loss on Early Debt Extinguishment) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 643.10 Td (In 2018, we completed a cash tender of) Tj ET Q q 0 0 0 rg BT 206.98 643.10 Td (fer for and redemption of our $450 million aggregate principal amount of 4.625% senior ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 631.10 Td (notes due October 2020, which resulted in a pre-tax loss on early debt extinguishment of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 407.13 631.10 Td ($14million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.53 631.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (Non-Operating Income \(Loss\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 589.10 Td (Non-operating income in 2018 includes ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 211.35 589.10 Td ($4 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 252.74 589.10 Td ( of interest income and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 346.88 589.10 Td ($5 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 388.27 589.10 Td ( related to the fulfillment of our stand-) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 577.10 Td (ready obligations to perform over the term of the Lending Joint ) Tj ET Q q 0 0 0 rg BT 305.59 577.10 Td (V) Tj ET Q q 0 0 0 rg BT 311.70 577.10 Td (entures debt guarantees and the associated release from risk. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 565.10 Td (Non-operating income of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 153.58 565.10 Td ($2 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 194.97 565.10 Td ( in 2017 was primarily attributable to an unrealized gain on a foreign currency hedge ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 553.10 Td (related to our Monitise acquisition. ) Tj ET Q q 0 0 0 rg BT 192.57 553.10 Td (The non-operating loss in 2016 was attributable to a non-cash write-of) Tj ET Q q 0 0 0 rg BT 473.98 553.10 Td (f of a ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 497.58 553.10 Td ($7million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 538.97 553.10 Td ( cost-) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 541.10 Td (method investment.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 520.10 Td (Income T) Tj ET Q q 0 0 0 rg BT 86.57 520.10 Td (ax Pr) Tj ET Q q 0 0 0 rg BT 108.14 520.10 Td (ovision) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 499.10 Td (Income tax provision as a percentage of income from continuing operations before income from investments in unconsolidated ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 487.10 Td (af) Tj ET Q q 0 0 0 rg BT 57.59 487.10 Td (filiates was ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 105.35 487.10 Td (24.3%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 131.18 487.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 136.18 487.10 Td (1) Tj ET Q q 0 0 0 rg BT 140.81 487.10 Td (1.6%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 161.64 487.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 181.08 487.10 Td (38.6%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 206.91 487.10 Td ( in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 219.69 487.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 239.69 487.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 244.69 487.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 264.69 487.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 284.13 487.10 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 304.13 487.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 356.79 487.10 Td (. ) Tj ET Q q 0 0 0 rg BT 361.61 487.10 Td (The rate in 2018 was impacted by the enactment ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 475.10 Td (of the ) Tj ET Q q 0 0 0 rg BT 75.37 475.10 Td (T) Tj ET Q q 0 0 0 rg BT 80.78 475.10 Td (ax Cuts and Jobs ) Tj ET Q q 0 0 0 rg BT 150.22 475.10 Td (Act \(the T) Tj ET Q q 0 0 0 rg BT 195.06 475.10 Td (ax ) Tj ET Q q 0 0 0 rg BT 206.45 475.10 Td (Act\), as further described below) Tj ET Q q 0 0 0 rg BT 338.79 475.10 Td (, which reduced the U.S. federal corporate tax rate ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 463.10 Td (from ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.94 463.10 Td (35 percent) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 113.86 463.10 Td ( to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 126.64 463.10 Td (21 percent) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 168.56 463.10 Td (. ) Tj ET Q q 0 0 0 rg BT 173.38 463.10 Td (The rate in 2017 decreased by ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 296.11 463.10 Td (20.3%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 321.94 463.10 Td ( attributable to the ) Tj ET Q q 0 0 0 rg BT 397.29 463.10 Td (T) Tj ET Q q 0 0 0 rg BT 402.70 463.10 Td (ax ) Tj ET Q q 0 0 0 rg BT 414.09 463.10 Td (Act, and by ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 462.96 463.10 Td (3.6%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 483.79 463.10 Td ( attributable to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 451.10 Td (excess tax benefits from share-based compensation awards recognized as a reduction in the income tax provision as a result of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 439.10 Td (the 2017 adoption of ) Tj ET Q q 0 0 0 rg BT 134.99 439.10 Td (Accounting Standards Update 2016-09, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 295.79 439.10 Td (Compensation - Stock Compensation \(T) Tj ET Q q 0 0 0 rg BT 454.31 439.10 Td (opic 718\): Impr) Tj ET Q q 0 0 0 rg BT 517.26 439.10 Td (ovements ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 427.10 Td (to Employee Shar) Tj ET Q q 0 0 0 rg BT 120.72 427.10 Td (e-Based Payment ) Tj ET Q q 0 0 0 rg BT 192.73 427.10 Td (Accounting) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 238.28 427.10 Td (. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (On ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 64.72 406.10 Td (December22, 2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 143.31 406.10 Td (, the U.S. government enacted comprehensive tax legislation commonly referred to as the ) Tj ET Q q 0 0 0 rg BT 503.56 406.10 Td (T) Tj ET Q q 0 0 0 rg BT 508.97 406.10 Td (ax Cuts and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (Jobs ) Tj ET Q q 0 0 0 rg BT 69.73 394.10 Td (Act. ) Tj ET Q q 0 0 0 rg BT 88.99 394.10 Td (The ) Tj ET Q q 0 0 0 rg BT 106.86 394.10 Td (T) Tj ET Q q 0 0 0 rg BT 112.27 394.10 Td (ax ) Tj ET Q q 0 0 0 rg BT 123.65 394.10 Td (Act made broad changes to the U.S. tax code, including, but not limited to, \(1\) reducing the U.S. federal ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (corporate tax rate from ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 144.39 382.10 Td (35 percent) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 186.32 382.10 Td ( to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 199.10 382.10 Td (21 percent) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 241.02 382.10 Td ( beginning in 2018; \(2\) requiring companies to pay a one-time transition tax on ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (certain un-repatriated earnings of foreign subsidiaries; \(3\) generally eliminating U.S. federal income taxes on dividends from ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (foreign subsidiaries; \(4\) requiring U.S. federal taxable income to include certain earnings of controlled foreign corporations; ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (and \(5\) creating a new limitation on deductible interest expense. ) Tj ET Q q 0 0 0 rg BT 308.90 346.10 Td (The provisions of the ) Tj ET Q q 0 0 0 rg BT 396.48 346.10 Td (T) Tj ET Q q 0 0 0 rg BT 401.89 346.10 Td (ax ) Tj ET Q q 0 0 0 rg BT 413.28 346.10 Td (Act decreased our 2017 ef) Tj ET Q q 0 0 0 rg BT 518.05 346.10 Td (fective tax ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (rate by ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 79.99 334.10 Td (20.3%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 105.82 334.10 Td (, primarily due to the re-evaluation of the net deferred tax liability to reflect the lower federal tax rate of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 523.69 334.10 Td (21 ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (percent) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 79.42 322.10 Td (. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 301.10 Td (Income fr) Tj ET Q q 0 0 0 rg BT 88.23 301.10 Td (om Investments in Unconsolidated ) Tj ET Q q 0 0 0 rg BT 228.58 301.10 Td (Affiliates) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 280.10 Td (Our share of net income from the Lending Joint ) Tj ET Q q 0 0 0 rg BT 243.38 280.10 Td (V) Tj ET Q q 0 0 0 rg BT 249.49 280.10 Td (entures and StoneRiver is reported as income from investments in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (unconsolidated af) Tj ET Q q 0 0 0 rg BT 120.63 268.10 Td (filiates and the related tax expense is reported within the income tax provision in the consolidated statements ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (of income. Income from investments in unconsolidated af) Tj ET Q q 0 0 0 rg BT 280.87 256.10 Td (filiates of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 321.41 256.10 Td ($10million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 367.80 256.10 Td ( in 2018 was primarily comprised of our share ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 244.10 Td (of earnings from the Lending Joint ) Tj ET Q q 0 0 0 rg BT 191.46 244.10 Td (V) Tj ET Q q 0 0 0 rg BT 197.57 244.10 Td (entures. During 2017, StoneRiver recognized a net gain on the sale of a business, and in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 232.10 Td (2016, recognized a net gain on the sale of a business interest, resulting in our share of StoneRiver income of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 484.88 232.10 Td ($32 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 531.27 232.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td ($147 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 101.39 220.10 Td ( in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 114.17 220.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 134.17 220.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 153.61 220.10 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 173.61 220.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 226.27 220.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 199.10 Td (Income fr) Tj ET Q q 0 0 0 rg BT 88.23 199.10 Td (om Discontinued Operations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (Income from discontinued operations in 2017 included a litigation settlement related to a prior disposition of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 487.12 178.10 Td ($19 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 533.52 178.10 Td (, net of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (income tax of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 107.48 166.10 Td ($7 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 148.87 166.10 Td (, and earnings related to an acquired business held for sale.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 145.10 Td (Net Income Per Shar) Tj ET Q q 0 0 0 rg BT 133.77 145.10 Td (e - Diluted fr) Tj ET Q q 0 0 0 rg BT 185.34 145.10 Td (om Continuing Operations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 124.10 Td (Net income per share-diluted from continuing operations was ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 298.26 124.10 Td ($2.87) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 320.76 124.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 325.76 124.10 Td ($2.86) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 348.26 124.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 367.70 124.10 Td ($2.08) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 390.20 124.10 Td ( in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 402.98 124.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 422.98 124.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 427.98 124.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 447.98 124.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 467.42 124.10 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 487.42 124.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 540.08 124.10 Td (. Net ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 112.10 Td (income per share-diluted from continuing operations in 2018 was favorably impacted by a gain of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 444.05 112.10 Td ($0.37) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 466.55 112.10 Td ( per share on the sale of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 100.10 Td (a 55% interest of our Lending Solutions business. Net income per share-diluted from continuing operations was favorably ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 88.10 Td (impacted by discrete income tax benefits associated with the ) Tj ET Q q 0 0 0 rg BT 294.46 88.10 Td (T) Tj ET Q q 0 0 0 rg BT 299.87 88.10 Td (ax ) Tj ET Q q 0 0 0 rg BT 311.25 88.10 Td (Act of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 339.02 88.10 Td ($0.64) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 361.52 88.10 Td ( per share in 2017 and from our share of net ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 76.10 Td (investment gains, primarily from StoneRiver capital transactions, of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.38 76.10 Td ($0.05) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 346.88 76.10 Td ( and $0.20 per share in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 440.46 76.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 460.46 76.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 479.90 76.10 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 499.90 76.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 552.56 76.10 Td (. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 64.10 Td (Net income per share-diluted from continuing operations was negatively impacted in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 391.84 64.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 411.84 64.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 416.84 64.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 436.84 64.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.28 64.10 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 476.28 64.10 Td ( by mer) Tj ET Q q 0 0 0 rg BT 506.65 64.10 Td (ger and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 52.10 Td (integration costs of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 129.15 52.10 Td ($0.17) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 151.65 52.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 156.65 52.10 Td ($0.1) Tj ET Q q 0 0 0 rg BT 173.78 52.10 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 178.78 52.10 Td ( and $0.08 per share, respectively) Tj ET Q q 0 0 0 rg BT 312.25 52.10 Td (. ) Tj ET Q q 0 0 0 rg BT 317.07 52.10 Td (The amortization of acquisition-related intangible assets also ) Tj ET Q endstream endobj 69 0 obj <> endobj 70 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (32) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (reduced net income per share-diluted from continuing operations by ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.63 742.10 Td ($0.31) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 347.13 742.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 352.13 742.10 Td ($0.25) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 374.63 742.10 Td ( and $0.23 per share in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.22 742.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 488.22 742.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 493.22 742.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 513.22 742.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 532.66 742.10 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 552.66 742.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 97.66 730.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 709.10 Td (Liquidity and Capital Resour) Tj ET Q q 0 0 0 rg BT 175.68 709.10 Td (ces) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 688.10 Td (General) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 667.10 Td (Our primary liquidity needs in the ordinary course of business are: \(i\)to fund normal operating expenses; \(ii\)to meet the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 655.10 Td (interest and principal requirements of our outstanding indebtedness; and \(iii\)to fund capital expenditures and operating lease ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 643.10 Td (payments. ) Tj ET Q q 0 0 0 rg BT 93.14 643.10 Td (W) Tj ET Q q 0 0 0 rg BT 101.78 643.10 Td (e believe these needs will be satisfied using cash flow generated by our operations, along with our cash and cash ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 631.10 Td (equivalents of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 108.87 631.10 Td ($415 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 160.26 631.10 Td ( and available borrowings under our revolving credit facility of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 415.18 631.10 Td ($850 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 466.57 631.10 Td ( at December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 537.37 631.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 557.37 631.10 Td (. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 619.10 Td (See below under First Data ) Tj ET Q q 0 0 0 rg BT 165.25 619.10 Td (Acquisition Financing for a description of our planned financing to fund the First Data ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 607.10 Td (acquisition. ) Tj ET Q q 0 0 0 rg BT 98.70 607.10 Td (The following table summarizes our operating cash flow and capital expenditure amounts for the years ended ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 595.10 Td (December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 108.58 595.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 128.58 595.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 148.02 595.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 168.02 595.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 220.68 595.10 Td (.) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.5 552.6 m 373.5 552.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 552.6 m 377.5 552.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 552.6 m 436.5 552.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 552.6 m 499.5 552.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 552.6 m 503.5 552.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 552.6 m 562.5 552.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.5 552.6 m 373.5 552.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.5 539.6 m 373.5 539.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 552.6 m 436.5 552.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 539.6 m 436.5 539.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 539.6 m 499.5 539.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 539.6 m 562.5 539.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.5 539.6 m 373.5 539.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 539.6 m 436.5 539.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 539.6 m 499.5 539.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 539.6 m 562.5 539.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.5 389.6 m 373.5 389.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 389.6 m 436.5 389.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 389.6 m 499.5 389.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.5 389.6 m 373.5 389.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.5 375.6 m 373.5 375.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.5 373.6 m 373.5 373.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 375.6 m 436.5 375.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 373.6 m 436.5 373.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 375.6 m 499.5 375.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 373.6 m 499.5 373.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 375.6 m 562.5 375.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 373.6 m 562.5 373.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.5 373.6 m 373.5 373.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.5 375.6 m 373.5 375.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.5 360.6 m 373.5 360.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.5 358.6 m 373.5 358.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 373.6 m 436.5 373.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 375.6 m 436.5 375.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 360.6 m 436.5 360.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 358.6 m 436.5 358.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 360.6 m 499.5 360.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 358.6 m 499.5 358.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 360.6 m 562.5 360.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 358.6 m 562.5 358.6 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 557.27 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 55.50 557.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.90 566.33 Td (Y) Tj ET Q q 0 0 0 rg BT 356.01 566.33 Td (ear) Tj ET Q q 0 0 0 rg BT 369.71 566.33 Td ( Ended) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.90 556.33 Td (December) Tj ET Q q 0 0 0 rg BT 389.02 556.33 Td (31,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.35 557.28 Td (Incr) Tj ET Q q 0 0 0 rg BT 477.59 557.28 Td (ease \(Decr) Tj ET Q q 0 0 0 rg BT 521.54 557.28 Td (ease\)) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 53 541.76259765625 m 105.509765625 541.76259765625 l s q 0 0 0 rg BT 53.00 543.33 Td (\(In millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.50 543.33 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.50 543.33 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.00 543.33 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.50 543.33 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 530.17 Td (Income from continuing operations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 529.27 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 347.15 529.27 Td (1,187) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.00 529.27 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 410.15 529.27 Td (1,232) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 443.00 529.27 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 482.30 529.32 Td (\(45) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 495.65 529.27 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 515.17 Td (Depreciation and amortization) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 354.65 514.27 Td (556) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 417.65 514.27 Td (444) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 480.65 514.27 Td (1) Tj ET Q q 0 0 0 rg BT 485.65 514.27 Td (12) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 500.17 Td (Share-based compensation) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 359.65 499.27 Td (73) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 422.65 499.27 Td (63) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 485.65 499.27 Td (10) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 485.17 Td (Deferred income taxes) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 354.65 484.27 Td (133) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 414.30 484.32 Td (\(247) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 432.65 484.27 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 480.65 484.27 Td (380) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 470.17 Td (Gain on sale of businesses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 351.30 469.32 Td (\(227) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 369.65 469.27 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 419.30 469.32 Td (\(10) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 432.65 469.27 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 477.30 469.32 Td (\(217) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 495.65 469.27 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 455.17 Td (Loss on early debt extinguishment) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 359.65 454.27 Td (14) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 422.65 454.27 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 485.65 454.27 Td (14) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 440.17 Td (Income from investments in unconsolidated af) Tj ET Q q 0 0 0 rg BT 238.70 440.17 Td (filiates) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 356.30 439.32 Td (\(10) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 369.65 439.27 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 419.30 439.32 Td (\(32) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 432.65 439.27 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 485.65 439.27 Td (22) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 425.17 Td (Dividends from unconsolidated af) Tj ET Q q 0 0 0 rg BT 189.27 425.17 Td (filiates) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 364.65 424.27 Td (2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 422.65 424.27 Td (45) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 482.30 424.32 Td (\(43) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 495.65 424.27 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 410.17 Td (Non-cash impairment char) Tj ET Q q 0 0 0 rg BT 159.54 410.17 Td (ges) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 364.65 409.27 Td (3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 422.65 409.27 Td (18) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 482.30 409.32 Td (\(15) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 495.65 409.27 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 395.17 Td (Net changes in working capital and other) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 351.30 394.32 Td (\(179) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 369.65 394.27 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 419.30 394.32 Td (\(30) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 432.65 394.27 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 477.30 394.32 Td (\(149) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 495.65 394.27 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 380.17 Td (Operating cash flow) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 379.27 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 347.15 379.27 Td (1,552) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.00 379.27 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 410.15 379.27 Td (1,483) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 443.00 379.27 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 485.65 379.27 Td (69) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 379.27 Td (5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 553.65 379.27 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 364.27 Td (Capital expenditures) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 364.27 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 354.65 364.27 Td (360) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.00 364.27 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 417.65 364.27 Td (287) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 443.00 364.27 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 485.65 364.27 Td (73) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 364.27 Td (25) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 553.65 364.27 Td (%) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 339.10 Td (Our net cash provided by operating activities, or operating cash flow) Tj ET Q q 0 0 0 rg BT 323.99 339.10 Td (, was ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 347.04 339.10 Td ($1.55 billion) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 398.15 339.10 Td ( in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 410.93 339.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 430.93 339.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 435.93 339.10 Td (an increase) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 480.63 339.10 Td ( of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 493.96 339.10 Td (5%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 507.29 339.10 Td ( compared to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 327.10 Td ($1.48 billion) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 101.11 327.10 Td ( in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 113.89 327.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 133.89 327.10 Td (. ) Tj ET Q q 0 0 0 rg BT 138.71 327.10 Td (This ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 158.99 327.10 Td (increase) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 191.74 327.10 Td ( was primarily due to improved operating results, partially of) Tj ET Q q 0 0 0 rg BT 435.39 327.10 Td (fset by an approximate $30 ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 315.10 Td (million impact of accounts receivable timing, other working capital fluctuations including a $23 million tax payment resulting ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 303.10 Td (from new guidance issued by the Internal Revenue Service regarding the ) Tj ET Q q 0 0 0 rg BT 343.33 303.10 Td (T) Tj ET Q q 0 0 0 rg BT 348.74 303.10 Td (ax ) Tj ET Q q 0 0 0 rg BT 360.12 303.10 Td (Act, and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 396.50 303.10 Td ($43 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 442.89 303.10 Td ( of lower cash dividends ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 291.10 Td (received from StoneRiver) Tj ET Q q 0 0 0 rg BT 152.74 291.10 Td (. ) Tj ET Q q 0 0 0 rg BT 157.56 291.10 Td (The dividends received in 2018 and 2017 represented returns on our investment and are reported in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 279.10 Td (cash flows from operating activities. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 258.10 Td (Our current policy is to use our operating cash flow primarily to fund capital expenditures, for share repurchases \(after the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 246.10 Td (closing of the First Data acquisition\), and acquisitions, and to repay debt rather than to pay dividends. Our capital expenditures ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 234.10 Td (were approximately ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 132.19 234.10 Td (6%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 145.52 234.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 164.96 234.10 Td (5%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 178.29 234.10 Td ( of our total revenue in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 272.14 234.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 292.14 234.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 311.58 234.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 331.58 234.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 384.24 234.10 Td (. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 213.10 Td (Share Repurchases) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 192.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 192.10 Td (e purchased ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 108.61 192.10 Td ($1.91 billion) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 159.73 192.10 Td ( and $1.17 billion of our common stock in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 330.82 192.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 350.82 192.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 370.26 192.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 390.26 192.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 442.92 192.10 Td (. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 447.92 192.10 Td (On each of November 16, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 180.10 Td (2016 and ) Tj ET Q q 0 0 0 rg BT 88.89 180.10 Td (August 8, 2018, our board of directors authorized the purchase of up to 30.0million shares of our common stock.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 542.40 180.10 Td ( ) Tj ET Q q 0 0 0 rg BT 544.35 180.10 Td (As ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 168.10 Td (of December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 119.41 168.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 139.41 168.10 Td (, we had approximately ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 235.77 168.10 Td (26.0 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 284.66 168.10 Td ( shares remaining under these authorizations. Shares repurchased are ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 156.10 Td (generally held for issuance in connection with our equity plans. ) Tj ET Q q 0 0 0 rg BT 306.14 156.10 Td (W) Tj ET Q q 0 0 0 rg BT 314.78 156.10 Td (e deferred share repurchases as of January 16, 2019 until the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 144.10 Td (close of the First Data acquisition, as described below) Tj ET Q q 0 0 0 rg BT 265.13 144.10 Td (, which is expected to occur during the second half of 2019, subject to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 132.10 Td (customary closing conditions, regulatory approvals and shareholder approval for both companies.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 111.10 Td (Acquisitions and Dispositions ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 90.10 Td (On January 16, 2019, we announced that we had entered into a definitive mer) Tj ET Q q 0 0 0 rg BT 360.00 90.10 Td (ger agreement to acquire First Data in an all-stock ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 78.10 Td (transaction for an equity value of approximately $22 billion as of the announcement. ) Tj ET Q q 0 0 0 rg BT 390.83 78.10 Td (The transaction is expected to close during ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 66.10 Td (the second half of 2019, subject to customary closing conditions, regulatory approvals and shareholder approval for both ) Tj ET Q endstream endobj 71 0 obj <> endobj 72 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (33) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (companies. First Data is a global leader in commerce-enabling technology and solutions for merchants, financial institutions, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (and card issuers.) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 709.10 Td (On October 31, 2018, we acquired the debit card processing, ) Tj ET Q q 0 0 0 rg BT 294.65 709.10 Td (A) Tj ET Q q 0 0 0 rg BT 300.76 709.10 Td (TM Managed Services, and Money Pass) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 462.40 713.63 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 467.33 709.10 Td ( surchar) Tj ET Q q 0 0 0 rg BT 499.08 709.10 Td (ge-free ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 697.10 Td (network of Elan Financial Services, a unit of U.S. Bancorp, for approximately $660 million including estimated post-closing ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 685.10 Td (working capital adjustments, contingent consideration related to earn-out provisions and future payments under a transition ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 673.10 Td (services agreement in excess of fair value. ) Tj ET Q q 0 0 0 rg BT 221.41 673.10 Td (W) Tj ET Q q 0 0 0 rg BT 230.04 673.10 Td (e funded this acquisition by utilizing existing availability under our revolving ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 661.10 Td (credit facility) Tj ET Q q 0 0 0 rg BT 102.93 661.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 640.10 Td (e completed four acquisitions in 2017 for an aggregate purchase price of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 350.75 640.10 Td ($384 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 402.14 640.10 Td (, net of acquired cash, and two ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (acquisitions in 2016 for an aggregate purchase price of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 271.87 628.10 Td ($265 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 323.26 628.10 Td (. ) Tj ET Q q 0 0 0 rg BT 328.08 628.10 Td (W) Tj ET Q q 0 0 0 rg BT 336.71 628.10 Td (e funded these acquisitions by utilizing a combination ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (of available cash and existing availability under our revolving credit facility) Tj ET Q q 0 0 0 rg BT 353.13 616.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 595.10 Td (During 2018, we sold a ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 146.10 595.10 Td (55%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 164.43 595.10 Td ( interest of our Lending Solutions business, retaining ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 378.57 595.10 Td (45%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 396.90 595.10 Td ( ownership interests in two joint ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 583.10 Td (ventures. ) Tj ET Q q 0 0 0 rg BT 88.70 583.10 Td (W) Tj ET Q q 0 0 0 rg BT 97.33 583.10 Td (e received gross sale proceeds of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 231.16 583.10 Td ($419 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 282.55 583.10 Td ( from the transactions. In addition, we completed the sale of the retail ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 571.10 Td (voucher business acquired in our 2017 acquisition of Monitise for proceeds of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 364.93 571.10 Td (37 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 411.32 571.10 Td ( \() Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 417.15 571.10 Td ($50 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.54 571.10 Td (\). In 2017, we sold our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 559.10 Td (Australian item processing business for approximately $17 million. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (Indebtedness) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 513.6 m 495.5 513.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 513.6 m 499.5 513.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 513.6 m 562.5 513.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 513.6 m 495.5 513.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 499.6 m 495.5 499.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 513.6 m 562.5 513.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 499.6 m 562.5 499.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 499.6 m 495.5 499.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 499.6 m 562.5 499.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 359.6 m 495.5 359.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 359.6 m 562.5 359.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 359.6 m 495.5 359.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 346.6 m 495.5 346.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 344.6 m 495.5 344.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 346.6 m 562.5 346.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 344.6 m 562.5 344.6 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 518.17 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 55.50 518.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.90 518.28 Td (December) Tj ET Q q 0 0 0 rg BT 511.12 518.28 Td (31,) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 53 502.71259765625 m 105.509765625 502.71259765625 l s q 0 0 0 rg BT 53.00 504.28 Td (\(In millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.50 504.28 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.50 504.28 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 490.17 Td (Revolving credit facility) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 435.00 490.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 469.15 490.17 Td (1,129) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 502.00 490.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 490.17 Td (1,068) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 476.17 Td (2.7% senior notes due 2020) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 476.65 476.17 Td (848) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 476.17 Td (846) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 462.17 Td (4.75% senior notes due 2021) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 476.65 462.17 Td (399) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 462.17 Td (398) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 448.17 Td (3.5% senior notes due 2022) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 476.65 448.17 Td (697) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 448.17 Td (696) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 434.17 Td (3.8% senior notes due 2023) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 476.65 434.17 Td (992) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 434.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 420.17 Td (3.85% senior notes due 2025) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 476.65 420.17 Td (895) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 420.17 Td (894) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 406.17 Td (4.2% senior notes due 2028) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 476.65 406.17 Td (990) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 406.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 392.17 Td (4.625% senior notes due 2020) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 481.65 392.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 392.17 Td (449) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 378.17 Td (T) Tj ET Q q 0 0 0 rg BT 58.76 378.17 Td (erm loan) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 481.65 378.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 378.17 Td (540) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 364.17 Td (Other borrowings) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 486.65 364.17 Td (9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 553.65 364.17 Td (9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 350.17 Td (T) Tj ET Q q 0 0 0 rg BT 64.41 350.17 Td (otal debt \(including current maturities\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 435.00 350.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 469.15 350.17 Td (5,959) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 502.00 350.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 350.17 Td (4,900) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 325.10 Td (At December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 121.08 325.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 141.08 325.10 Td (, our debt consisted primarily of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 271.89 325.10 Td ($4.8 billion) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 318.00 325.10 Td ( of fixed-rate senior notes and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 440.18 325.10 Td ($1.1 billion) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 486.29 325.10 Td ( of revolving ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 313.10 Td (credit facility borrowings. Interest on our senior notes is paid semi-annually) Tj ET Q q 0 0 0 rg BT 352.89 313.10 Td (. ) Tj ET Q q 0 0 0 rg BT 357.71 313.10 Td (W) Tj ET Q q 0 0 0 rg BT 366.34 313.10 Td (e were in compliance with all financial debt ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 301.10 Td (covenants during ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 121.09 301.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 141.09 301.10 Td (. ) Tj ET Q q 0 0 0 rg BT 145.54 301.10 Td (Additional information about our debt structure and associated instruments is included in Note ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 526.29 301.10 Td (6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 531.29 301.10 Td ( to the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 289.10 Td (consolidated financial statements.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (Revolving Cr) Tj ET Q q 0 0 0 rg BT 102.67 268.10 Td (edit Facility) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 247.10 Td (In September 2018, we entered into an amended and restated revolving credit agreement that restated our existing $2.0 billion ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 235.10 Td (revolving credit agreement with a syndicate of banks and extended its maturity from ) Tj ET Q q 0 0 0 rg BT 389.62 235.10 Td (April 2020 to September 2023. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 223.10 Td (Borrowings under the amended and restated revolving credit facility continue to bear interest at a variable rate based on LIBOR ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 211.10 Td (or on a base rate, plus in each case a specified mar) Tj ET Q q 0 0 0 rg BT 251.39 211.10 Td (gin based on our long-term debt rating in ef) Tj ET Q q 0 0 0 rg BT 425.61 211.10 Td (fect from time to time. ) Tj ET Q q 0 0 0 rg BT 518.18 211.10 Td (There are ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 199.10 Td (no significant commitment fees and no compensating balance requirements. ) Tj ET Q q 0 0 0 rg BT 356.39 199.10 Td (The amended and restated revolving credit facility ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 187.10 Td (contains various restrictions and covenants that require us, among other things, to \(1\)limit our consolidated indebtedness as of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 175.10 Td (the end of each fiscal quarter to no more than three and one-halftimes our consolidated net earnings before interest, taxes, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 163.10 Td (depreciation, amortization,non-cashchar) Tj ET Q q 0 0 0 rg BT 215.58 163.10 Td (ges and expenses and certain other adjustments \(EBITDA\) during the period of four ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 151.10 Td (fiscal quarters then ended, subject to certain exceptions, and \(2\)maintain EBITDA) Tj ET Q q 0 0 0 rg BT 380.72 151.10 Td ( of at least three times our consolidated ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 139.10 Td (interest expense as of the end of each fiscal quarter for the period of four fiscal quarters then ended. On February 6, 2019, we ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 127.10 Td (entered into an amendment to the amended and restated revolving credit facility to \(1\) amend the maximum leverage ratio ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 115.10 Td (covenant to permit us to elect to increase the permitted maximum leverage ratio from three and one-halftimes our EBITDA) Tj ET Q q 0 0 0 rg BT 545.11 115.10 Td ( to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 103.10 Td (either four times or four and one-half times our EBITDA) Tj ET Q q 0 0 0 rg BT 277.44 103.10 Td ( for a specified period following certain acquisitions and \(2\) permit us ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 91.10 Td (to make drawings under the revolving credit facility on the closing date of our acquisition of First Data subject to only limited ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 79.10 Td (conditions.) Tj ET Q endstream endobj 73 0 obj <> endobj 74 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (34) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (On February 15, 2019, we entered into a second amendment to our existing revolving credit agreement in order to increase the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (aggregate commitments available thereunder by $1.5 billion and to make certain additional amendments to facilitate the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (operation of the combined business following the mer) Tj ET Q q 0 0 0 rg BT 265.61 718.10 Td (ger) Tj ET Q q 0 0 0 rg BT 277.82 718.10 Td (. ) Tj ET Q q 0 0 0 rg BT 282.64 718.10 Td (The increased commitments and additional amendments will become ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (ef) Tj ET Q q 0 0 0 rg BT 57.59 706.10 Td (fective upon the satisfaction or waiver of conditions that are substantially similar to the conditions to funding under the term ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (loan facility described under First Data ) Tj ET Q q 0 0 0 rg BT 212.72 694.10 Td (Acquisition Financing below) Tj ET Q q 0 0 0 rg BT 332.61 694.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 673.10 Td (Senior Notes) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (In September 2018, we completed an of) Tj ET Q q 0 0 0 rg BT 209.49 652.10 Td (fering of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 246.70 652.10 Td ($2.0 billion) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 292.81 652.10 Td ( of senior notes comprised of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 411.67 652.10 Td ($1.0 billion) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 457.79 652.10 Td ( aggregate principal ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (amount of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 93.33 640.10 Td (3.8%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 114.16 640.10 Td ( senior notes due in October 2023 and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 268.56 640.10 Td ($1.0 billion) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 314.68 640.10 Td ( aggregate principal amount of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 439.91 640.10 Td (4.2%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 460.74 640.10 Td ( senior notes due in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (October 2028. ) Tj ET Q q 0 0 0 rg BT 109.53 628.10 Td (The notes pay interest semi-annually on ) Tj ET Q q 0 0 0 rg BT 271.15 628.10 Td (April 1 and October 1, commencing on ) Tj ET Q q 0 0 0 rg BT 430.00 628.10 Td (April 1, 2019. ) Tj ET Q q 0 0 0 rg BT 488.43 628.10 Td (The interest rate ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (applicable to these notes is subject to an increase of up to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 281.60 616.10 Td (two percent) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 328.52 616.10 Td ( in the event that the credit rating assigned to such notes is ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (downgraded below investment grade. ) Tj ET Q q 0 0 0 rg BT 202.28 604.10 Td (The indentures governing the senior notes contain covenants that, among other matters, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (limit \(1\) our ability to consolidate or mer) Tj ET Q q 0 0 0 rg BT 213.95 592.10 Td (ge with or into, or convey) Tj ET Q q 0 0 0 rg BT 316.61 592.10 Td (, transfer or lease all or substantially all of our properties and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (assets to, another person, \(2\) our and certain of our subsidiaries) Tj ET Q q 0 0 0 rg BT 305.85 580.10 Td ( ability to create or assume liens, and \(3\) our and certain of our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 568.10 Td (subsidiaries) Tj ET Q q 0 0 0 rg BT 99.80 568.10 Td ( ability to engage in sale and leaseback transactions.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 547.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 547.10 Td (e used the net proceeds from the of) Tj ET Q q 0 0 0 rg BT 198.68 547.10 Td (fering described above to repay the outstanding principal balance of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 473.02 547.10 Td ($540 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 524.41 547.10 Td ( under ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 535.10 Td (our term loan and the outstanding borrowings under our amended and restated revolving credit facility totaling ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 495.43 535.10 Td ($1.1 billion) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 541.54 535.10 Td (. In ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 523.10 Td (addition, we commenced a cash tender of) Tj ET Q q 0 0 0 rg BT 215.59 523.10 Td (fer in September 2018 for any and all of our outstanding ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 443.58 523.10 Td ($450 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 494.98 523.10 Td ( aggregate ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 511.10 Td (principal amount of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 131.37 511.10 Td (4.625%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 162.20 511.10 Td ( senior notes due October 2020. Upon expiration of the tender of) Tj ET Q q 0 0 0 rg BT 420.83 511.10 Td (fer on September 26, 2018, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 499.10 Td ($246million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 101.39 499.10 Td ( was tendered and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 175.81 499.10 Td ($253 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 227.20 499.10 Td ( was paid to all holders of such tendered notes in October 2018. In October 2018, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 487.10 Td (we also retired the remaining outstanding ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 218.29 487.10 Td ($204 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 269.68 487.10 Td ( aggregate principal amount of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 394.91 487.10 Td (4.625%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 425.74 487.10 Td ( senior notes.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (Debt Guarantees) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 445.10 Td (In connection with the sale of a ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 178.01 445.10 Td (55%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 196.34 445.10 Td ( interest of our Lending Solutions business in March 2018, we have guaranteed underlying ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 433.10 Td (debt of the Lending Joint ) Tj ET Q q 0 0 0 rg BT 152.86 433.10 Td (V) Tj ET Q q 0 0 0 rg BT 158.97 433.10 Td (entures and do not anticipate that the Lending Joint ) Tj ET Q q 0 0 0 rg BT 366.24 433.10 Td (V) Tj ET Q q 0 0 0 rg BT 372.35 433.10 Td (entures will fail to fulfill their debt obligations. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 421.10 Td (This debt is comprised of variable-rate term loan facilities for an aggregate amount of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 395.42 421.10 Td ($350 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 446.82 421.10 Td ( in senior unsecured debt ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 409.10 Td (and variable-rate revolving credit facilities for an aggregate amount of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 333.76 409.10 Td ($35 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.15 409.10 Td ( with a syndicate of banks. ) Tj ET Q q 0 0 0 rg BT 489.11 409.10 Td (These debt ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 397.10 Td (facilities mature in March 2023, and there are no outstanding borrowings on the revolving credit facilities as of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 496.81 397.10 Td (December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 385.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 70.00 385.10 Td (. ) Tj ET Q q 0 0 0 rg BT 74.82 385.10 Td (W) Tj ET Q q 0 0 0 rg BT 83.46 385.10 Td (e have not made any payments under the guarantees, nor have we been called upon to do so.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 364.10 Td (First Data ) Tj ET Q q 0 0 0 rg BT 94.27 364.10 Td (Acquisition Financing) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 343.10 Td (In connection with the definitive mer) Tj ET Q q 0 0 0 rg BT 198.38 343.10 Td (ger agreement to acquire First Data, on January 16, 2019, we entered into a bridge facility ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 331.10 Td (commitment letter pursuant to which a group of financial institutions committed to provide a 364-day senior unsecured bridge ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 319.10 Td (term loan facility in an aggregate principal amount of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 266.31 319.10 Td ($17billion) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 309.92 319.10 Td ( for the purpose of refinancing certain indebtedness of First ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 307.10 Td (Data and its subsidiaries on the closing date of the mer) Tj ET Q q 0 0 0 rg BT 268.65 307.10 Td (ger) Tj ET Q q 0 0 0 rg BT 281.02 307.10 Td (, making cash payments in lieu of fractional shares as part of the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 295.10 Td (mer) Tj ET Q q 0 0 0 rg BT 65.37 295.10 Td (ger consideration, and paying fees and expenses related to the mer) Tj ET Q q 0 0 0 rg BT 330.36 295.10 Td (ger) Tj ET Q q 0 0 0 rg BT 342.73 295.10 Td (, the refinancing and the related transactions.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (On February 15, 2019, we entered into a new term loan credit agreement with a syndicate of financial institutions pursuant to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (which such financial institutions have committed to provide us with a senior unsecured term loan facility in an aggregate ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (principal amount of $5.0 billion, consisting of $1.5 billion in commitments to provide loans with a three-year maturity and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td ($3.5billion in commitments to provide loans with a five-year maturity) Tj ET Q q 0 0 0 rg BT 331.80 238.10 Td (. ) Tj ET Q q 0 0 0 rg BT 336.62 238.10 Td (The aggregate principal amount of the commitments ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (under the term loan credit agreement have replaced a corresponding amount of the commitments in respect of the bridge ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (facility in accordance with the terms of the bridge facility commitment letter) Tj ET Q q 0 0 0 rg BT 355.72 214.10 Td (. ) Tj ET Q q 0 0 0 rg BT 360.17 214.10 Td (As a result, there are now $12.0 billion in bridge ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (facility commitments remaining. ) Tj ET Q q 0 0 0 rg BT 183.12 202.10 Td (W) Tj ET Q q 0 0 0 rg BT 191.76 202.10 Td (e expect to replace these remaining commitments with permanent financing in the form of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (the issuance of debt securities prior to the closing of the mer) Tj ET Q q 0 0 0 rg BT 291.14 190.10 Td (ger) Tj ET Q q 0 0 0 rg BT 303.35 190.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 169.10 Td (The availability of loans under the term loan facility is subject to the satisfaction or waiver of certain conditions that are ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 157.10 Td (substantially consistent with the conditions to the funding of the bridge facility) Tj ET Q q 0 0 0 rg BT 364.58 157.10 Td (, including \(i\) the closing of the mer) Tj ET Q q 0 0 0 rg BT 508.80 157.10 Td (ger ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 145.10 Td (substantially concurrently with the funding of such loans, \(ii\) the absence of a material adverse ef) Tj ET Q q 0 0 0 rg BT 439.69 145.10 Td (fect with respect to First Data ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 133.10 Td (since January 16, 2019, \(iii\) the truth and accuracy in all material respects of certain representations and warranties, \(iv\) the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 121.10 Td (receipt of certain certificates, and \(v\) the receipt of certain financial statements. Loans drawn under the term loan facility will ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 109.10 Td (be subject to amortization at an annual rate of 5% for the first two years and 7.5% thereafter \(with loans outstanding under the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 97.10 Td (five-year tranche subject to amortization at an annual rate of 10% after the fourth anniversary of the commencement of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 85.10 Td (amortization\), with accrued and unpaid amortization amounts required to be paid on the last business day in December of each ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 73.10 Td (year) Tj ET Q q 0 0 0 rg BT 66.66 73.10 Td (. Borrowings under the term loan facility will bear interest at variable rates based on LIBOR or on a base rate plus, in each ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 61.10 Td (case, a specified mar) Tj ET Q q 0 0 0 rg BT 133.11 61.10 Td (gin based on our long-term debt rating in ef) Tj ET Q q 0 0 0 rg BT 307.32 61.10 Td (fect from time to time. ) Tj ET Q q 0 0 0 rg BT 399.89 61.10 Td (W) Tj ET Q q 0 0 0 rg BT 408.53 61.10 Td (e are also required to pay a ticking fee ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 49.10 Td (that will accrue on the aggregate undrawn commitments under the term loan facility at a per annum rate based upon our long-) Tj ET Q endstream endobj 75 0 obj <> endobj 76 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (35) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (term debt rating in ef) Tj ET Q q 0 0 0 rg BT 134.23 742.10 Td (fect from time to time. ) Tj ET Q q 0 0 0 rg BT 226.80 742.10 Td (The term loan credit agreement contains af) Tj ET Q q 0 0 0 rg BT 398.21 742.10 Td (firmative, negative and financial ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (covenants, and events of default, that are substantially the same as those set forth in our existing revolving credit facility) Tj ET Q q 0 0 0 rg BT 530.60 730.10 Td (, as ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (amended as described above.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 697.10 Td (Other) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 676.10 Td (Access to capital markets impacts our cost of capital, our ability to refinance maturing debt and our ability to fund future ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (acquisitions. Our ability to access capital on favorable terms depends on a number of factors, including general market ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (conditions, interest rates, credit ratings on our debt securities, perception of our potential future earnings and the market price ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (of our common stock. ) Tj ET Q q 0 0 0 rg BT 139.71 640.10 Td (As of December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 222.74 640.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 242.74 640.10 Td (, we had a corporate credit rating of Baa2 with a stable outlook from Moody) Tj ET Q q 0 0 0 rg BT 550.70 640.10 Td (s ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (Investors Service, Inc. \(Moody) Tj ET Q q 0 0 0 rg BT 181.35 628.10 Td (s\) and BBB with a stable outlook from Standard& Poor) Tj ET Q q 0 0 0 rg BT 410.59 628.10 Td () Tj ET Q q 0 0 0 rg BT 413.36 628.10 Td (s Ratings Services \(S&P\) on our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (senior unsecured debt securities. Such credit ratings were both af) Tj ET Q q 0 0 0 rg BT 309.73 616.10 Td (firmed in connection with our definitive mer) Tj ET Q q 0 0 0 rg BT 487.83 616.10 Td (ger agreement to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (acquire First Data.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 583.10 Td (The interest rates payable on our senior notes and revolving credit facility are subject to adjustment from time to time if ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 571.10 Td (Moody) Tj ET Q q 0 0 0 rg BT 81.67 571.10 Td (s or S&P) Tj ET Q q 0 0 0 rg BT 117.42 571.10 Td ( changes the debt rating applicable to the notes. If the ratings from Moody) Tj ET Q q 0 0 0 rg BT 416.78 571.10 Td (s or S&P) Tj ET Q q 0 0 0 rg BT 452.53 571.10 Td ( decrease below ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 559.10 Td (investment grade, the per annum interest rates on the senior notes are subject to increase by up to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 440.71 559.10 Td (two percent) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 487.63 559.10 Td (. In no event will ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 547.10 Td (the total increase in the per annum interest rates exceed ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 273.79 547.10 Td (two percent) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 320.71 547.10 Td ( above the original interest rates, nor will the per annum ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 535.10 Td (interest rate be reduced below the original interest rate applicable to the senior notes.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (Off-Balance Sheet ) Tj ET Q q 0 0 0 rg BT 129.43 514.10 Td (Arrangements and Contractual Obligations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 493.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 493.10 Td (e do not participate in, nor have we created, any of) Tj ET Q q 0 0 0 rg BT 261.15 493.10 Td (f-balance sheet variable interest entities or other of) Tj ET Q q 0 0 0 rg BT 463.93 493.10 Td (f-balance sheet ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 481.10 Td (financing. ) Tj ET Q q 0 0 0 rg BT 92.58 481.10 Td (The following table details our contractual obligations at December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.55 481.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 400.55 481.10 Td (:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.5 437.6 m 280.5 437.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 437.6 m 351.5 437.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 437.6 m 421.5 437.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 437.6 m 491.5 437.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 437.6 m 562.5 437.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.5 437.6 m 280.5 437.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 437.6 m 351.5 437.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 437.6 m 421.5 437.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 437.6 m 491.5 437.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 437.6 m 562.5 437.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.5 373.6 m 280.5 373.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 373.6 m 351.5 373.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 373.6 m 421.5 373.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 373.6 m 491.5 373.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 373.6 m 562.5 373.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.5 358.6 m 280.5 358.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.5 356.6 m 280.5 356.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 373.6 m 351.5 373.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 358.6 m 351.5 358.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 356.6 m 351.5 356.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 373.6 m 421.5 373.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 358.6 m 421.5 358.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 356.6 m 421.5 356.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 373.6 m 491.5 373.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 358.6 m 491.5 358.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 356.6 m 491.5 356.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 373.6 m 562.5 373.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 358.6 m 562.5 358.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 356.6 m 562.5 356.6 l s BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 53 450.76259765625 m 105.509765625 450.76259765625 l s q 0 0 0 rg BT 53.00 452.33 Td (\(In millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.05 442.28 Td (T) Tj ET Q q 0 0 0 rg BT 242.26 442.28 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.05 452.28 Td (Lessthan) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.40 442.28 Td (1year) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.70 442.28 Td (1-3years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.70 442.28 Td (3-5years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.95 452.28 Td (Mor) Tj ET Q q 0 0 0 rg BT 524.65 452.28 Td (ethan) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.35 442.28 Td (5 years) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 426.27 Td (Long-term debt including interest ) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 190.19 430.80 Td (\(1\) \(2\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 217.00 426.27 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 254.15 426.27 Td (7,131) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 287.00 426.27 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 332.65 426.27 Td (224) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 358.00 426.27 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 395.15 426.27 Td (1,646) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 428.00 426.27 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 465.15 426.27 Td (3,127) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 498.00 426.27 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 426.27 Td (2,134) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 410.27 Td (Minimum operating lease payments ) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 199.08 414.80 Td (\(1\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 261.65 410.27 Td (430) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 337.65 410.27 Td (94) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 402.65 410.27 Td (137) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 477.65 410.27 Td (91) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 410.27 Td (108) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 394.27 Td (Purchase obligations ) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 138.54 398.80 Td (\(1\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 146.12 394.27 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 261.65 394.27 Td (500) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 332.65 394.27 Td (239) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 402.65 394.27 Td (127) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 477.65 394.27 Td (1) Tj ET Q q 0 0 0 rg BT 482.65 394.27 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 394.27 Td (123) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 378.27 Td (Income tax obligations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 266.65 378.27 Td (49) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 342.65 378.27 Td (3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 407.65 378.27 Td (38) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 482.65 378.27 Td (8) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 378.27 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 362.27 Td (T) Tj ET Q q 0 0 0 rg BT 64.41 362.27 Td (otal) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 217.00 362.27 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 254.15 362.27 Td (8,1) Tj ET Q q 0 0 0 rg BT 266.65 362.27 Td (10) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 287.00 362.27 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 332.65 362.27 Td (560) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 358.00 362.27 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 395.15 362.27 Td (1,948) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 428.00 362.27 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 465.15 362.27 Td (3,237) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 498.00 362.27 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 362.27 Td (2,365) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 337.10 Td (\(1\) ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 337.10 Td (Interest, operating lease and purchase obligations are reported on a pre-tax basis.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 316.10 Td (\(2\) ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 316.10 Td (The calculations assume that only mandatory debt repayments are made, no additional refinancing or lending occurs, and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 304.10 Td (the variable rate on the revolving credit facility is priced at the rate in ef) Tj ET Q q 0 0 0 rg BT 355.47 304.10 Td (fect as of December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.20 304.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 473.20 304.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 283.10 Td (Item7A. Quantitative and Qualitative Disclosur) Tj ET Q q 0 0 0 rg BT 257.31 283.10 Td (es ) Tj ET Q q 0 0 0 rg BT 267.59 283.10 Td (About Market Risk) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (Market risk refers to the risk that a change in the level of one or more market prices, interest rates, currency exchange rates, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (indices, correlations or other market factors, such as liquidity) Tj ET Q q 0 0 0 rg BT 294.28 250.10 Td (, will result in losses for a certain financial instrument or group of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (financial instruments. ) Tj ET Q q 0 0 0 rg BT 138.96 238.10 Td (W) Tj ET Q q 0 0 0 rg BT 147.60 238.10 Td (e are exposed primarily to interest rate risk and market price risk on outstanding debt, investments of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (subscriber funds and foreign currency) Tj ET Q q 0 0 0 rg BT 200.96 226.10 Td (. Our senior management actively monitors these risks.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 205.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 205.10 Td (e manage our debt structure and interest rate risk through the use of fixed- and floating-rate debt. Based on our outstanding ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 193.10 Td (debt with variable interest rates at December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 246.31 193.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 266.31 193.10 Td (, a 1% increase in our borrowing rate would increase annual interest ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 181.10 Td (expense in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 94.99 181.10 Td (2019) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 114.99 181.10 Td ( by approximately ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 190.24 181.10 Td ($1) Tj ET Q q 0 0 0 rg BT 199.87 181.10 Td (1 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 236.26 181.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 160.10 Td (In connection with processing electronic payments transactions, the funds we receive from subscribers are invested into short-) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 148.10 Td (term, highly liquid investments from the time we collect the funds until payments are made to the applicable recipients. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 136.10 Td (Subscriber funds are not included in our consolidated balance sheets and can fluctuate significantly based on consumer bill ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 124.10 Td (payment and debit card activity) Tj ET Q q 0 0 0 rg BT 175.42 124.10 Td (. During ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 211.25 124.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 231.25 124.10 Td (, the subscriber funds daily average balance approximated ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 465.87 124.10 Td ($1.3 billion) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 511.99 124.10 Td (. ) Tj ET Q q 0 0 0 rg BT 516.44 124.10 Td (A) Tj ET Q q 0 0 0 rg BT 523.11 124.10 Td ( 1% ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 112.10 Td (increase or decrease in applicable interest rates would not have a material impact on our annual income from continuing ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 100.10 Td (operations.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 79.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 79.10 Td (e conduct business in the United States and in foreign countries and are exposed to foreign currency risk from changes in the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 67.10 Td (value of underlying assets and liabilities of our non-U.S. dollar denominated foreign investments and foreign currency ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 55.10 Td (transactions. ) Tj ET Q q 0 0 0 rg BT 102.58 55.10 Td (W) Tj ET Q q 0 0 0 rg BT 111.22 55.10 Td (e have entered into foreign currency forward exchange contracts with total notional values of approximately ) Tj ET Q endstream endobj 77 0 obj <> endobj 78 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (36) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td ($202million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 101.39 742.10 Td ( as of December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 184.14 742.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 204.14 742.10 Td ( to hedge foreign currency exposure to the Indian Rupee. In ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 445.16 742.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 465.16 742.10 Td (, approximately ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 530.42 742.10 Td (6%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.75 742.10 Td ( of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (our total revenue was from clients in foreign countries. Risk can be estimated by measuring the impact of a near) Tj ET Q q 0 0 0 rg BT 497.99 730.10 Td (-term adverse ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (movement of 10% in foreign currency rates against the U.S. dollar) Tj ET Q q 0 0 0 rg BT 315.48 718.10 Td (. If these rates were 10% higher or lower at December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 70.00 706.10 Td (, there would not have been a material impact on our annual income from continuing operations or financial position.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (Item8.Financial Statements and Supplementary Data) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.90 643.10 Td (Index to Consolidated Financial Statements) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 618.6 m 562.5 618.6 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 622.85 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 532.75 623.17 Td (Page) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 609.17 Td (Consolidated Statements of Income) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 593.17 Td (Consolidated Statements of Comprehensive Income) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 577.17 Td (Consolidated Balance Sheets) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 561.17 Td (Consolidated Statements of Shareholders) Tj ET Q q 0 0 0 rg BT 220.28 561.17 Td ( Equity) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 545.17 Td (Consolidated Statements of Cash Flows) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 529.17 Td (Notes to Consolidated Financial Statements) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 513.17 Td (Report of Independent Registered Public ) Tj ET Q q 0 0 0 rg BT 218.24 513.17 Td (Accounting Firm) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.00 607.27 Td (37) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.00 591.27 Td (38) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.00 575.27 Td (39) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.00 559.27 Td (40) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.00 543.27 Td (41) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.00 527.27 Td (42) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.00 511.27 Td (71) Tj ET Q BT /F2 10.00 Tf ET endstream endobj 79 0 obj <> endobj 80 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 182.55 42.60 Td (See accompanying notes to consolidated financial statements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 18.60 Td (37) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.25 740.25 Td (Fiserv) Tj ET Q q 0 0 0 rg BT 308.35 740.25 Td (, Inc.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.55 728.25 Td (Consolidated Statements of Income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 49.50 717.45 Td () Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49 682.95 m 382 682.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386 682.95 m 442 682.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 682.95 m 502 682.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 682.95 m 562 682.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386 631.95 m 442 631.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 631.95 m 502 631.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 631.95 m 562 631.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386 616.95 m 442 616.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 616.95 m 502 616.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 616.95 m 562 616.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386 541.95 m 442 541.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 541.95 m 502 541.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 541.95 m 562 541.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386 526.95 m 442 526.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 526.95 m 502 526.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 526.95 m 562 526.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386 466.95000000000005 m 442 466.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 466.95000000000005 m 502 466.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 466.95000000000005 m 562 466.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386 411.95000000000005 m 442 411.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 411.95000000000005 m 502 411.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 411.95000000000005 m 562 411.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 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246.95000000000005 m 502 246.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 232.95000000000005 m 502 232.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 230.95000000000005 m 502 230.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 246.95000000000005 m 562 246.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 232.95000000000005 m 562 232.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 230.95000000000005 m 562 230.95000000000005 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 697.63 Td (In millions, except per) Tj ET Q q 0 0 0 rg BT 146.31 697.63 Td ( shar) Tj ET Q q 0 0 0 rg BT 167.53 697.63 Td (e data) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 687.63 Td (Y) Tj ET Q q 0 0 0 rg BT 57.61 687.63 Td (ear) Tj ET Q q 0 0 0 rg BT 71.31 687.63 Td ( ended December) Tj ET Q q 0 0 0 rg BT 145.00 687.63 Td (31,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.50 687.63 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.50 687.63 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.50 687.63 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.50 667.52 Td (Revenue:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 69.50 652.52 Td (Processing and services) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 388.50 651.62 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 415.65 651.62 Td (4,975) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 448.50 651.62 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 475.65 651.62 Td (4,833) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 508.50 651.62 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 535.65 651.62 Td (4,625) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 69.50 637.52 Td (Product) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 423.15 636.62 Td (848) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 483.15 636.62 Td (863) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.15 636.62 Td (880) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 87.50 622.52 Td (T) Tj ET Q q 0 0 0 rg BT 93.26 622.52 Td (otal revenue) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 415.65 621.62 Td (5,823) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 475.65 621.62 Td (5,696) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 535.65 621.62 Td (5,505) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.50 607.52 Td (Expenses:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 69.50 592.52 Td (Cost of processing and services) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 415.65 591.62 Td (2,324) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 475.65 591.62 Td (2,291) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 535.65 591.62 Td (2,212) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 69.50 577.52 Td (Cost of product) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 423.15 576.62 Td (745) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 483.15 576.62 Td (733) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.15 576.62 Td (747) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 69.50 562.52 Td (Selling, general and administrative) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 415.65 561.62 Td (1,228) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 475.65 561.62 Td (1,150) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 535.65 561.62 Td (1,101) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 69.50 547.52 Td (Gain on sale of businesses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 419.80 546.67 Td (\(227) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 438.15 546.62 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 484.80 546.67 Td (\(10) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 498.15 546.62 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.15 546.62 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 87.50 532.52 Td (T) Tj ET Q q 0 0 0 rg BT 92.91 532.52 Td (otal expenses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 415.65 531.62 Td (4,070) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 475.65 531.62 Td (4,164) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 535.65 531.62 Td (4,060) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.50 517.52 Td (Operating income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 415.65 516.62 Td (1,753) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 475.65 516.62 Td (1,532) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 535.65 516.62 Td (1,445) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.50 502.52 Td (Interest expense) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 419.80 501.67 Td (\(193) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 438.15 501.62 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 479.80 501.67 Td (\(176) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 498.15 501.62 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 539.80 501.67 Td (\(163) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.15 501.62 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.50 487.52 Td (Loss on early debt extinguishment) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 424.80 486.67 Td (\(14) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 438.15 486.62 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 488.15 486.62 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.15 486.62 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.50 472.52 Td (Non-operating income \(loss\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 433.15 471.62 Td (9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 493.15 471.62 Td (2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.80 471.67 Td (\(7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.15 471.62 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.50 457.52 Td (Income from continuing operations before income taxes and income from) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 60.50 447.52 Td (investments in unconsolidated af) Tj ET Q q 0 0 0 rg BT 191.68 447.52 Td (filiates) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 415.65 446.62 Td (1,555) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 475.65 446.62 Td (1,358) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 535.65 446.62 Td (1,275) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.50 432.52 Td (Income tax provision) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 419.80 431.67 Td (\(378) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 438.15 431.62 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 479.80 431.67 Td (\(158) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 498.15 431.62 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 539.80 431.67 Td (\(492) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.15 431.62 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.50 417.52 Td (Income from investments in unconsolidated af) Tj ET Q q 0 0 0 rg BT 237.20 417.52 Td (filiates) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 428.15 416.62 Td (10) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 488.15 416.62 Td (32) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.15 416.62 Td (147) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.50 402.52 Td (Income from continuing operations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 415.65 401.62 Td (1,187) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 475.65 401.62 Td (1,232) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.15 401.62 Td (930) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.50 387.52 Td (Income from discontinued operations, net of income taxes) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 428.15 386.62 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 488.15 386.62 Td (14) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.15 386.62 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.50 372.52 Td (Net income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 388.50 371.62 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 415.65 371.62 Td (1,187) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 448.50 371.62 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 475.65 371.62 Td (1,246) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 508.50 371.62 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.15 371.62 Td (930) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.50 342.52 Td (Net income per share - basic:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 69.50 327.52 Td (Continuing operations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 388.50 326.62 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 420.65 326.62 Td (2.93) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 448.50 326.62 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 480.65 326.62 Td (2.92) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 508.50 326.62 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 540.65 326.62 Td (2.1) Tj ET Q q 0 0 0 rg BT 553.15 326.62 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 69.50 312.52 Td (Discontinued operations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 428.15 311.62 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 480.65 311.62 Td (0.03) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.15 311.62 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 69.50 297.52 Td (T) Tj ET Q q 0 0 0 rg BT 75.26 297.52 Td (otal) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 388.50 296.62 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 420.65 296.62 Td (2.93) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 448.50 296.62 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 480.65 296.62 Td (2.95) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 508.50 296.62 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 540.65 296.62 Td (2.1) Tj ET Q q 0 0 0 rg BT 553.15 296.62 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.50 282.52 Td (Net income per share - diluted:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 69.50 267.52 Td (Continuing operations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 388.50 266.62 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 420.65 266.62 Td (2.87) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 448.50 266.62 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 480.65 266.62 Td (2.86) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 508.50 266.62 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 540.65 266.62 Td (2.08) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 69.50 252.52 Td (Discontinued operations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 428.15 251.62 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 480.65 251.62 Td (0.03) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.15 251.62 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 69.50 237.52 Td (T) Tj ET Q q 0 0 0 rg BT 75.26 237.52 Td (otal) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 388.50 236.62 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 420.65 236.62 Td (2.87) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 448.50 236.62 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 480.65 236.62 Td (2.89) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 508.50 236.62 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 540.65 236.62 Td (2.08) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.50 207.52 Td (Shares used in computing net income per share:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 69.50 192.52 Td (Basic) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 415.65 191.62 Td (405.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 475.65 191.62 Td (422.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 535.65 191.62 Td (440.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 69.50 177.52 Td (Diluted) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 415.65 176.62 Td (413.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 475.65 176.62 Td (431.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 535.65 176.62 Td (447.8) Tj ET Q BT /F2 10.00 Tf ET endstream endobj 81 0 obj <> endobj 82 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 182.55 42.60 Td (See accompanying notes to consolidated financial statements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 18.60 Td (38) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.25 740.25 Td (Fiserv) Tj ET Q q 0 0 0 rg BT 308.35 740.25 Td (, Inc.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.05 728.25 Td (Consolidated Statements of Compr) Tj ET Q q 0 0 0 rg BT 345.59 728.25 Td (ehensive Income) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49 681.75 m 382 681.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386 681.75 m 442 681.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 681.75 m 502 681.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 681.75 m 562 681.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386 681.75 m 442 681.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 681.75 m 502 681.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 681.75 m 562 681.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386 535.75 m 442 535.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 535.75 m 502 535.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 535.75 m 562 535.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386 520.75 m 442 520.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386 506.75 m 442 506.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386 504.75 m 442 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 520.75 m 502 520.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 506.75 m 502 506.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 504.75 m 502 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 520.75 m 562 520.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 506.75 m 562 506.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 504.75 m 562 504.75 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 696.43 Td (In millions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 686.43 Td (Y) Tj ET Q q 0 0 0 rg BT 57.61 686.43 Td (ear) Tj ET Q q 0 0 0 rg BT 71.31 686.43 Td ( ended December) Tj ET Q q 0 0 0 rg BT 145.00 686.43 Td (31,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.50 686.43 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.50 686.43 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.50 686.43 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.50 666.32 Td (Net income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 388.50 665.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 415.65 665.42 Td (1,187) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 448.50 665.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 475.65 665.42 Td (1,246) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 508.50 665.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.15 665.42 Td (930) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.50 651.32 Td (Other comprehensive \(loss\) income:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 69.50 636.32 Td (Fair market value adjustment on cash flow hedges, net of income tax) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 83.00 626.32 Td (\(benefit\) provision of \($2 million\) and $2 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 429.80 625.47 Td (\(5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 438.15 625.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 493.15 625.42 Td (4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.15 625.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 69.50 611.32 Td (Reclassification adjustment for net realized gains on cash flow hedges) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 83.00 601.32 Td (included in cost of processing and services, net of income tax) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 83.00 591.32 Td (benefit of $0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 429.80 590.47 Td (\(1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 438.15 590.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 488.15 590.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.15 590.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 69.50 576.32 Td (Reclassification adjustment for net realized losses on cash flow hedges) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 83.00 566.32 Td (included in interest expense, net of income tax provision of $2 million,) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 83.00 556.32 Td ($4 million and $5 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 433.15 555.42 Td (4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 493.15 555.42 Td (6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 553.15 555.42 Td (7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 69.50 541.32 Td (Foreign currency translation) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 424.80 540.47 Td (\(1) Tj ET Q q 0 0 0 rg BT 433.13 540.47 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 438.15 540.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 488.15 540.42 Td (12) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.80 540.47 Td (\(9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.15 540.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 87.50 526.32 Td (T) Tj ET Q q 0 0 0 rg BT 92.91 526.32 Td (otal other comprehensive \(loss\) income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 424.80 525.47 Td (\(13) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 438.15 525.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 488.15 525.42 Td (22) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.80 525.47 Td (\(2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.15 525.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.50 511.32 Td (Comprehensive income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 388.50 510.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 415.65 510.42 Td (1,174) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 448.50 510.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 475.65 510.42 Td (1,268) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 508.50 510.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.15 510.42 Td (928) Tj ET Q BT /F2 10.00 Tf ET endstream endobj 83 0 obj <> endobj 84 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 182.55 42.60 Td (See accompanying notes to consolidated financial statements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 18.60 Td (39) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.25 740.25 Td (Fiserv) Tj ET Q q 0 0 0 rg BT 308.35 740.25 Td (, Inc.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.85 728.25 Td (Consolidated Balance Sheets) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49 682.75 m 436 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440 682.75 m 499 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 682.75 m 562 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440 607.75 m 499 607.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 607.75 m 562 607.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440 523.75 m 499 523.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 523.75 m 562 523.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440 510.75 m 499 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440 508.75 m 499 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 510.75 m 562 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 508.75 m 562 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440 454.75 m 499 454.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 454.75 m 562 454.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440 384.75 m 499 384.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 384.75 m 562 384.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440 370.75 m 499 370.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 370.75 m 562 370.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440 370.75 m 499 370.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 370.75 m 562 370.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440 260.75 m 499 260.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 260.75 m 562 260.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440 246.75 m 499 246.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 246.75 m 562 246.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440 233.75 m 499 233.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440 231.75 m 499 231.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 233.75 m 562 233.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 231.75 m 562 231.75 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 696.48 Td (In millions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 686.48 Td (December) Tj ET Q q 0 0 0 rg BT 94.63 686.48 Td (31,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.00 687.43 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.00 687.43 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 667.48 Td (Assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.50 654.32 Td (Cash and cash equivalents) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 442.50 654.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 480.15 654.32 Td (415) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 505.50 654.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.15 654.32 Td (325) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.50 640.32 Td (T) Tj ET Q q 0 0 0 rg BT 57.43 640.32 Td (rade accounts receivable, less allowance for doubtful accounts) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 472.65 640.32 Td (1,049) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.15 640.32 Td (997) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.50 626.32 Td (Prepaid expenses and other current assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 480.15 626.32 Td (760) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.15 626.32 Td (603) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.50 612.32 Td (Assets held for sale) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 485.15 612.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.15 612.32 Td (50) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 63.50 598.32 Td (T) Tj ET Q q 0 0 0 rg BT 69.26 598.32 Td (otal current assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 472.65 598.32 Td (2,224) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 535.65 598.32 Td (1,975) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.50 584.32 Td (Property and equipment, net) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 480.15 584.32 Td (398) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.15 584.32 Td (390) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.50 570.32 Td (Intangible assets, net) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 472.65 570.32 Td (2,143) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 535.65 570.32 Td (1,882) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.50 556.32 Td (Goodwill) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 472.65 556.32 Td (5,702) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 535.65 556.32 Td (5,590) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.50 542.32 Td (Contract costs, net) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 480.15 542.32 Td (419) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.15 542.32 Td (84) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.50 528.32 Td (Other long-term assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 480.15 528.32 Td (376) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.15 528.32 Td (368) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 63.50 514.32 Td (T) Tj ET Q q 0 0 0 rg BT 69.26 514.32 Td (otal assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 442.50 514.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 467.65 514.32 Td (1) Tj ET Q q 0 0 0 rg BT 472.65 514.32 Td (1,262) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 505.50 514.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 530.65 514.32 Td (10,289) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 500.48 Td (Liabilities and Shar) Tj ET Q q 0 0 0 rg BT 135.88 500.48 Td (eholders) Tj ET Q q 0 0 0 rg BT 174.85 500.48 Td ( Equity) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.50 487.32 Td (Accounts payable and accrued expenses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 442.50 487.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 472.65 487.32 Td (1,626) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 505.50 487.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 535.65 487.32 Td (1,359) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.50 473.32 Td (Current maturities of long-term debt) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 490.15 473.32 Td (4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 553.15 473.32 Td (3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.50 459.32 Td (Contract liabilities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 480.15 459.32 Td (380) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.15 459.32 Td (576) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 63.50 445.32 Td (T) Tj ET Q q 0 0 0 rg BT 69.26 445.32 Td (otal current liabilities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 472.65 445.32 Td (2,010) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 535.65 445.32 Td (1,938) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.50 431.32 Td (Long-term debt) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 472.65 431.32 Td (5,955) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 535.65 431.32 Td (4,897) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.50 417.32 Td (Deferred income taxes) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 480.15 417.32 Td (745) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.15 417.32 Td (552) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.50 403.32 Td (Long-term contract liabilities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 485.15 403.32 Td (89) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.15 403.32 Td (54) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.50 389.32 Td (Other long-term liabilities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 480.15 389.32 Td (170) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.15 389.32 Td (1) Tj ET Q q 0 0 0 rg BT 548.15 389.32 Td (17) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 63.50 375.32 Td (T) Tj ET Q q 0 0 0 rg BT 69.26 375.32 Td (otal liabilities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 472.65 375.32 Td (8,969) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 535.65 375.32 Td (7,558) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 361.48 Td (Commitments and Contingencies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 348.48 Td (Shar) Tj ET Q q 0 0 0 rg BT 71.88 348.48 Td (eholders) Tj ET Q q 0 0 0 rg BT 110.58 348.48 Td ( Equity) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.50 335.32 Td (Preferred stock, no par value: 25.0million shares authorized; none issued) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 485.15 335.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.15 335.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.50 321.32 Td (Common stock, $0.01 par value: 1,800.0million shares authorized; 791.4 million shares issued) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 490.15 321.32 Td (8) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 553.15 321.32 Td (8) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.50 307.32 Td (Additional paid-in capital) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 472.65 307.32 Td (1,057) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 535.65 307.32 Td (1,031) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.50 293.32 Td (Accumulated other comprehensive loss) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 481.80 293.37 Td (\(67) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 495.15 293.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 544.80 293.37 Td (\(54) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.15 293.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.50 279.32 Td (Retained earnings) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 467.65 279.32 Td (1) Tj ET Q q 0 0 0 rg BT 472.65 279.32 Td (1,635) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 530.65 279.32 Td (10,240) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.50 265.32 Td (T) Tj ET Q q 0 0 0 rg BT 57.26 265.32 Td (reasury stock, at cost, 398.9million and 376.3million shares) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 464.30 265.37 Td (\(10,340) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 495.15 265.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 532.30 265.37 Td (\(8,494) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.15 265.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 63.50 251.32 Td (T) Tj ET Q q 0 0 0 rg BT 69.26 251.32 Td (otal shareholders) Tj ET Q q 0 0 0 rg BT 139.90 251.32 Td ( equity) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 472.65 251.32 Td (2,293) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 535.65 251.32 Td (2,731) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 63.50 237.32 Td (T) Tj ET Q q 0 0 0 rg BT 68.91 237.32 Td (otal liabilities and shareholders) Tj ET Q q 0 0 0 rg BT 196.19 237.32 Td ( equity) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 442.50 237.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 467.65 237.32 Td (1) Tj ET Q q 0 0 0 rg BT 472.65 237.32 Td (1,262) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 505.50 237.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 530.65 237.32 Td (10,289) Tj ET Q BT /F2 10.00 Tf ET endstream endobj 85 0 obj <> endobj 86 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 182.55 42.60 Td (See accompanying notes to consolidated financial statements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 18.60 Td (40) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.25 740.25 Td (Fiserv) Tj ET Q q 0 0 0 rg BT 308.35 740.25 Td (, Inc.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 201.15 728.25 Td (Consolidated Statements of Shar) Tj ET Q q 0 0 0 rg BT 340.70 728.25 Td (eholders) Tj ET Q q 0 0 0 rg BT 379.39 728.25 Td ( Equity) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 176 691.75 m 218 691.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218 691.75 m 222 691.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222 691.75 m 264 691.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268 691.75 m 310 691.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310 691.75 m 314 691.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314 691.75 m 359 691.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 691.75 m 363 691.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363 691.75 m 424 691.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 691.75 m 428 691.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 691.75 m 470 691.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470 691.75 m 474 691.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 691.75 m 516 691.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516 691.75 m 520 691.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520 691.75 m 562 691.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49 654.75 m 172 654.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 176 654.75 m 218 654.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218 654.75 m 222 654.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222 654.75 m 264 654.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268 654.75 m 310 654.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310 654.75 m 314 654.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314 654.75 m 359 654.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 654.75 m 363 654.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363 654.75 m 424 654.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 654.75 m 428 654.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 654.75 m 470 654.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470 654.75 m 474 654.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 654.75 m 516 654.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516 654.75 m 520 654.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520 654.75 m 562 654.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 176 654.75 m 218 654.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218 654.75 m 222 654.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 176 557.75 m 218 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218 557.75 m 222 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222 557.75 m 264 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268 557.75 m 310 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310 557.75 m 314 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314 557.75 m 359 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 557.75 m 363 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363 557.75 m 424 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 557.75 m 428 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 557.75 m 470 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470 557.75 m 474 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 557.75 m 516 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516 557.75 m 520 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520 557.75 m 562 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222 473.75 m 264 473.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 176 473.75 m 218 473.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218 473.75 m 222 473.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268 473.75 m 310 473.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310 473.75 m 314 473.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314 473.75 m 359 473.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 473.75 m 363 473.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363 473.75 m 424 473.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 473.75 m 428 473.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 473.75 m 470 473.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470 473.75 m 474 473.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 473.75 m 516 473.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516 473.75 m 520 473.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520 473.75 m 562 473.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222 326.75 m 264 326.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 176 326.75 m 218 326.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 176 313.75 m 218 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 176 311.75 m 218 311.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218 326.75 m 222 326.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218 313.75 m 222 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218 311.75 m 222 311.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222 313.75 m 264 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222 311.75 m 264 311.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268 326.75 m 310 326.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268 313.75 m 310 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268 311.75 m 310 311.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310 326.75 m 314 326.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310 313.75 m 314 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310 311.75 m 314 311.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314 326.75 m 359 326.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314 313.75 m 359 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314 311.75 m 359 311.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 326.75 m 363 326.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 313.75 m 363 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 311.75 m 363 311.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363 326.75 m 424 326.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363 313.75 m 424 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363 311.75 m 424 311.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 326.75 m 428 326.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 313.75 m 428 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 311.75 m 428 311.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 326.75 m 470 326.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 313.75 m 470 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 311.75 m 470 311.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470 326.75 m 474 326.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470 313.75 m 474 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470 311.75 m 474 311.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 326.75 m 516 326.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 313.75 m 516 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 311.75 m 516 311.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516 326.75 m 520 326.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516 313.75 m 520 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516 311.75 m 520 311.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520 326.75 m 562 326.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520 313.75 m 562 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520 311.75 m 562 311.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 51.50 696.00 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 188.50 695.98 Td (Number) Tj ET Q q 0 0 0 rg BT 216.87 695.98 Td ( of Shar) Tj ET Q q 0 0 0 rg BT 243.84 695.98 Td (es) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 400.45 695.98 Td (Amount) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 51.50 658.98 Td (In millions) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 180.70 666.98 Td (Common) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 185.00 658.98 Td (Shar) Tj ET Q q 0 0 0 rg BT 201.38 658.98 Td (es) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 227.05 666.98 Td (T) Tj ET Q q 0 0 0 rg BT 232.09 666.98 Td (r) Tj ET Q q 0 0 0 rg BT 235.27 666.98 Td (easury) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 231.00 658.98 Td (Shar) Tj ET Q q 0 0 0 rg BT 247.38 658.98 Td (es) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 272.70 666.98 Td (Common) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 278.90 658.98 Td (Stock) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.75 674.98 Td (Additional) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 323.10 666.98 Td (Paid-In) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 323.30 658.98 Td (Capital) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 370.30 682.98 Td (Accumulated) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 382.85 674.98 Td (Other) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 366.40 666.98 Td (Compr) Tj ET Q q 0 0 0 rg BT 390.70 666.98 Td (ehensive) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 385.20 658.98 Td (Loss) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 433.15 666.98 Td (Retained) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 432.90 658.98 Td (Earnings) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.05 666.98 Td (T) Tj ET Q q 0 0 0 rg BT 484.09 666.98 Td (r) Tj ET Q q 0 0 0 rg BT 487.27 666.98 Td (easury) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 484.90 658.98 Td (Stock) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 531.75 666.98 Td (T) Tj ET Q q 0 0 0 rg BT 536.35 666.98 Td (otal) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 528.90 658.98 Td (Equity) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 51.50 639.85 Td (Balance at January1, 2016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 202.75 639.85 Td (791) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 248.75 639.85 Td (340) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 270.50 639.85 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 302.80 639.85 Td (8) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 316.50 639.85 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 343.80 639.85 Td (948) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 365.50 639.85 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 410.10 639.85 Td (\(74) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 420.80 639.85 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 430.50 639.85 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 448.75 639.85 Td (8,064) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 476.50 639.85 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 492.10 639.85 Td (\(6,286) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 512.80 639.85 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 522.50 639.85 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 540.75 639.85 Td (2,660) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 51.50 625.85 Td (Net income) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 454.75 625.85 Td (930) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 546.75 625.85 Td (930) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 51.50 611.85 Td (Other comprehensive loss) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 414.10 611.85 Td (\(2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 420.80 611.85 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 552.10 611.85 Td (\(2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 558.80 611.85 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 51.50 597.85 Td (Share-based compensation) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 347.80 597.85 Td (68) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 550.80 597.85 Td (68) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 51.50 584.35 Td (Shares issued under stock plans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 56.00 576.35 Td (including income tax benefits) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 254.10 580.35 Td (\(4) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 260.80 580.35 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 347.80 580.35 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 504.80 580.35 Td (83) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 550.80 580.35 Td (83) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 51.50 562.85 Td (Purchases of treasury stock) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 252.80 562.85 Td (24) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 492.10 562.85 Td (\(1,198) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 512.80 562.85 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 538.10 562.85 Td (\(1,198) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 558.80 562.85 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 51.50 548.85 Td (Balance at December31, 2016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 202.75 548.85 Td (791) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 248.75 548.85 Td (360) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 302.80 548.85 Td (8) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 337.75 548.85 Td (1,016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 410.10 548.85 Td (\(76) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 420.80 548.85 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 448.75 548.85 Td (8,994) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 492.10 548.85 Td (\(7,401) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 512.80 548.85 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 540.75 548.85 Td (2,541) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 51.50 534.85 Td (Net income) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 448.75 534.85 Td (1,246) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 540.75 534.85 Td (1,246) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 51.50 520.85 Td (Other comprehensive income) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 412.80 520.85 Td (22) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 550.80 520.85 Td (22) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 51.50 506.85 Td (Share-based compensation) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 347.80 506.85 Td (63) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 550.80 506.85 Td (63) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 51.50 492.85 Td (Shares issued under stock plans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 254.10 492.85 Td (\(4) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 260.80 492.85 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 345.10 492.85 Td (\(48) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 355.80 492.85 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 504.80 492.85 Td (78) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 550.80 492.85 Td (30) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 51.50 478.85 Td (Purchases of treasury stock) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 252.80 478.85 Td (20) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 492.10 478.85 Td (\(1,171) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 512.80 478.85 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 538.10 478.85 Td (\(1,171) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 558.80 478.85 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 51.50 464.85 Td (Balance at December31, 2017) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 202.75 464.85 Td (791) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 248.75 464.85 Td (376) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 302.80 464.85 Td (8) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 337.75 464.85 Td (1,031) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 410.10 464.85 Td (\(54) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 420.80 464.85 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.75 464.85 Td (10,240) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 492.10 464.85 Td (\(8,494) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 512.80 464.85 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 540.75 464.85 Td (2,731) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 51.50 450.85 Td (Net income) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 448.75 450.85 Td (1,187) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 540.75 450.85 Td (1,187) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 51.50 436.85 Td (Other comprehensive loss) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 410.10 436.85 Td (\(13) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 420.80 436.85 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 548.10 436.85 Td (\(13) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 558.80 436.85 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 51.50 422.85 Td (Share-based compensation) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 347.80 422.85 Td (73) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 550.80 422.85 Td (73) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 51.50 408.85 Td (Shares issued under stock plans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 254.10 408.85 Td (\(3) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 260.80 408.85 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 345.10 408.85 Td (\(47) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 355.80 408.85 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 504.80 408.85 Td (69) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 550.80 408.85 Td (22) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 51.50 394.85 Td (Purchases of treasury stock) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 252.80 394.85 Td (26) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 492.10 394.85 Td (\(1,915) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 512.80 394.85 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 538.10 394.85 Td (\(1,915) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 558.80 394.85 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 51.50 381.35 Td (Cumulative-ef) Tj ET Q q 0 0 0 rg BT 97.63 381.35 Td (fect adjustment of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 56.00 373.35 Td (ASU 2014-09 adoption) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 454.75 377.35 Td (208) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 546.75 377.35 Td (208) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 51.50 360.35 Td (Cumulative-ef) Tj ET Q q 0 0 0 rg BT 97.63 360.35 Td (fect adjustment of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 56.00 352.35 Td (ASU 2017-12 adoption) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 416.80 356.35 Td (3) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 460.10 356.35 Td (\(3) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 466.80 356.35 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 550.80 356.35 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 51.50 339.35 Td (Cumulative-ef) Tj ET Q q 0 0 0 rg BT 97.56 339.35 Td (fect adjustment of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 56.00 331.35 Td (ASU 2018-02 adoption) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 414.10 335.35 Td (\(3) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 420.80 335.35 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 462.80 335.35 Td (3) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 550.80 335.35 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 51.50 317.85 Td (Balance at December31, 2018) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 202.75 317.85 Td (791) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 248.75 317.85 Td (399) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 270.50 317.85 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 302.80 317.85 Td (8) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 316.50 317.85 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 337.75 317.85 Td (1,057) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 365.50 317.85 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 410.10 317.85 Td (\(67) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 420.80 317.85 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 430.50 317.85 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.75 317.85 Td (1) Tj ET Q q 0 0 0 rg BT 448.75 317.85 Td (1,635) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 476.50 317.85 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 488.10 317.85 Td (\(10,340) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 512.80 317.85 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 522.50 317.85 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 540.75 317.85 Td (2,293) Tj ET Q BT /F2 10.00 Tf ET endstream endobj 87 0 obj <> endobj 88 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 182.55 42.60 Td (See accompanying notes to consolidated financial statements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 18.60 Td (41) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.25 740.25 Td (Fiserv) Tj ET Q q 0 0 0 rg BT 308.35 740.25 Td (, Inc.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.80 728.25 Td (Consolidated Statements of Cash Flows) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 682.75 m 386 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390 682.75 m 445 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 682.75 m 504 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508 682.75 m 563 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390 379.75 m 445 379.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390 365.75 m 445 365.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 379.75 m 504 379.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 365.75 m 504 365.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508 379.75 m 563 379.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508 365.75 m 563 365.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390 365.75 m 445 365.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 365.75 m 504 365.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508 365.75 m 563 365.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390 287.75 m 445 287.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 287.75 m 504 287.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508 287.75 m 563 287.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390 287.75 m 445 287.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390 274.75 m 445 274.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 287.75 m 504 287.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 274.75 m 504 274.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508 287.75 m 563 287.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508 274.75 m 563 274.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390 173.75 m 445 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 173.75 m 504 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508 173.75 m 563 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390 160.75 m 445 160.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 160.75 m 504 160.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508 160.75 m 563 160.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390 121.75 m 445 121.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390 109.75 m 445 109.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390 107.75 m 445 107.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 121.75 m 504 121.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 109.75 m 504 109.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 107.75 m 504 107.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508 121.75 m 563 121.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508 109.75 m 563 109.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508 107.75 m 563 107.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390 69.75 m 445 69.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390 57.75 m 445 57.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390 55.75 m 445 55.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 69.75 m 504 69.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 57.75 m 504 57.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 55.75 m 504 55.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508 69.75 m 563 69.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508 57.75 m 563 57.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508 55.75 m 563 55.75 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 696.48 Td (In millions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 686.48 Td (Y) Tj ET Q q 0 0 0 rg BT 58.61 686.48 Td (ear) Tj ET Q q 0 0 0 rg BT 72.31 686.48 Td ( ended December) Tj ET Q q 0 0 0 rg BT 146.00 686.48 Td (31,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.00 687.43 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.00 687.43 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.00 687.43 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 667.48 Td (Cash flows fr) Tj ET Q q 0 0 0 rg BT 109.07 667.48 Td (om operating activities:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 654.32 Td (Net income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 392.50 654.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 418.65 654.32 Td (1,187) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.50 654.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 477.65 654.32 Td (1,246) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 510.50 654.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 544.15 654.32 Td (930) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 641.32 Td (Adjustment for discontinued operations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 431.15 641.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 486.80 641.37 Td (\(14) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 500.15 641.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.15 641.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 628.32 Td (Adjustments to reconcile net income to net cash provided by operating activities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 61.50 618.32 Td (from continuing operations:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 70.50 603.32 Td (Depreciation and other amortization) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 426.15 603.32 Td (393) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 485.15 603.32 Td (285) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 544.15 603.32 Td (263) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 70.50 590.32 Td (Amortization of acquisition-related intangible assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 426.15 590.32 Td (163) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 485.15 590.32 Td (159) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 544.15 590.32 Td (158) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 70.50 577.32 Td (Share-based compensation) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 431.15 577.32 Td (73) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 490.15 577.32 Td (63) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.15 577.32 Td (68) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 70.50 564.32 Td (Excess tax benefits from share-based awards) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 431.15 564.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 490.15 564.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 545.80 564.37 Td (\(51) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 559.15 564.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 70.50 551.32 Td (Deferred income taxes) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 426.15 551.32 Td (133) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 481.80 551.37 Td (\(247) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 500.15 551.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.15 551.32 Td (21) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 70.50 538.32 Td (Gain on sale of businesses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 422.80 538.37 Td (\(227) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 441.15 538.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 486.80 538.37 Td (\(10) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 500.15 538.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.15 538.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 70.50 525.32 Td (Loss on early debt extinguishment) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 431.15 525.32 Td (14) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 490.15 525.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.15 525.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 70.50 512.32 Td (Income from investments in unconsolidated af) Tj ET Q q 0 0 0 rg BT 256.20 512.32 Td (filiates) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 427.80 512.37 Td (\(10) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 441.15 512.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 486.80 512.37 Td (\(32) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 500.15 512.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 540.80 512.37 Td (\(147) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 559.15 512.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 70.50 499.32 Td (Dividends from unconsolidated af) Tj ET Q q 0 0 0 rg BT 206.77 499.32 Td (filiates) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 436.15 499.32 Td (2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 490.15 499.32 Td (45) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 544.15 499.32 Td (151) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 70.50 486.32 Td (Non-cash impairment char) Tj ET Q q 0 0 0 rg BT 177.04 486.32 Td (ges) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 436.15 486.32 Td (3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 490.15 486.32 Td (18) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.15 486.32 Td (17) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 70.50 473.32 Td (Other operating activities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 427.80 473.37 Td (\(10) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 441.15 473.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 491.80 473.37 Td (\(4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 500.15 473.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 550.80 473.37 Td (\(2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 559.15 473.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 70.50 460.32 Td (Changes in assets and liabilities, net of ef) Tj ET Q q 0 0 0 rg BT 235.84 460.32 Td (fects from acquisitions and) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 70.50 450.32 Td (dispositions:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 88.50 435.32 Td (T) Tj ET Q q 0 0 0 rg BT 94.43 435.32 Td (rade accounts receivable) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 422.80 435.37 Td (\(108) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 441.15 435.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 486.80 435.37 Td (\(75) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 500.15 435.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 545.80 435.37 Td (\(88) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 559.15 435.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 88.50 422.32 Td (Prepaid expenses and other assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 432.80 422.37 Td (\(6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 441.15 422.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 486.80 422.37 Td (\(37) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 500.15 422.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 545.80 422.37 Td (\(64) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 559.15 422.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 88.50 409.32 Td (Contract costs) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 422.80 409.37 Td (\(137) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 441.15 409.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 486.80 409.37 Td (\(29) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 500.15 409.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 545.80 409.37 Td (\(14) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 559.15 409.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 88.50 396.32 Td (Accounts payable and other liabilities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 426.15 396.32 Td (1) Tj ET Q q 0 0 0 rg BT 431.15 396.32 Td (16) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 490.15 396.32 Td (54) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 544.15 396.32 Td (172) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 88.50 383.32 Td (Contract liabilities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 427.80 383.37 Td (\(34) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 441.15 383.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 490.15 383.32 Td (61) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.15 383.32 Td (17) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 370.32 Td (Net cash provided by operating activities from continuing operations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 418.65 370.32 Td (1,552) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 477.65 370.32 Td (1,483) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.65 370.32 Td (1,431) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 356.48 Td (Cash flows fr) Tj ET Q q 0 0 0 rg BT 109.07 356.48 Td (om investing activities:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 343.32 Td (Capital expenditures, including capitalization of software costs) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 422.80 343.37 Td (\(360) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 441.15 343.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 481.80 343.37 Td (\(287) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 500.15 343.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 540.80 343.37 Td (\(290) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 559.15 343.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 330.32 Td (Proceeds from sale of businesses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 426.15 330.32 Td (419) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 490.15 330.32 Td (17) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.15 330.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 317.32 Td (Payments for acquisitions of businesses, net of cash acquired) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 422.80 317.37 Td (\(712) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 441.15 317.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 481.80 317.37 Td (\(384) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 500.15 317.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 540.80 317.37 Td (\(265) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 559.15 317.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 304.32 Td (Purchases of investments) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 432.80 304.37 Td (\(3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 441.15 304.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 486.80 304.37 Td (\(10) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 500.15 304.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 550.80 304.37 Td (\(1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 559.15 304.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 291.32 Td (Other investing activities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 432.80 291.37 Td (\(7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 441.15 291.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 495.15 291.32 Td (7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 554.15 291.32 Td (2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 278.32 Td (Net cash used in investing activities from continuing operations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 422.80 278.37 Td (\(663) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 441.15 278.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 481.80 278.37 Td (\(657) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 500.15 278.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 540.80 278.37 Td (\(554) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 559.15 278.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 265.48 Td (Cash flows fr) Tj ET Q q 0 0 0 rg BT 109.07 265.48 Td (om financing activities:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 252.32 Td (Debt proceeds) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 418.65 252.32 Td (5,039) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 477.65 252.32 Td (2,310) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.65 252.32 Td (2,126) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 239.32 Td (Debt repayments, including redemption and other costs) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 415.30 239.37 Td (\(4,005) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 441.15 239.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 474.30 239.37 Td (\(1,985) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 500.15 239.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 533.30 239.37 Td (\(1,863) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 559.15 239.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 226.32 Td (Proceeds from issuance of treasury stock) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 431.15 226.32 Td (75) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 490.15 226.32 Td (78) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.15 226.32 Td (79) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 213.32 Td (Purchases of treasury stock, including employee shares withheld for tax) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 61.50 203.32 Td (obligations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 415.30 204.47 Td (\(1,946) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 441.15 204.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 474.30 204.47 Td (\(1,223) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 500.15 204.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 533.30 204.47 Td (\(1,245) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 559.15 204.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 190.32 Td (Excess tax benefits from share-based awards) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 431.15 190.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 490.15 190.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.15 190.32 Td (51) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 177.32 Td (Other financing activities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 432.80 177.37 Td (\(5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 441.15 177.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 490.15 177.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.15 177.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 164.32 Td (Net cash used in financing activities from continuing operations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 422.80 164.37 Td (\(842) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 441.15 164.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 481.80 164.37 Td (\(820) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 500.15 164.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 540.80 164.37 Td (\(852) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 559.15 164.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 151.32 Td (Net change in cash and cash equivalents from continuing operations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 431.15 151.32 Td (47) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 495.15 151.32 Td (6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.15 151.32 Td (25) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 138.32 Td (Net change in cash and cash equivalents from discontinued operations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 431.15 138.32 Td (43) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 490.15 138.32 Td (19) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.15 138.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 125.32 Td (Cash and cash equivalents, beginning balance) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 426.15 125.32 Td (325) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 485.15 125.32 Td (300) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 544.15 125.32 Td (275) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 112.32 Td (Cash and cash equivalents, ending balance) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 392.50 112.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 426.15 112.32 Td (415) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.50 112.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 485.15 112.32 Td (325) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 510.50 112.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 544.15 112.32 Td (300) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 99.48 Td (Discontinued operations cash flow information:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 86.32 Td (Net cash \(used in\) provided by operating activities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 392.50 86.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 432.80 86.37 Td (\(7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 441.15 86.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.50 86.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 490.15 86.32 Td (19) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 510.50 86.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.15 86.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 73.32 Td (Net cash provided by investing activities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 431.15 73.32 Td (50) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 490.15 73.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.15 73.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 60.32 Td (Net change in cash and cash equivalents from discontinued operations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 392.50 60.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 431.15 60.32 Td (43) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.50 60.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 490.15 60.32 Td (19) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 510.50 60.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.15 60.32 Td () Tj ET Q BT /F2 10.00 Tf ET endstream endobj 89 0 obj <> endobj 90 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (42) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.25 742.25 Td (Fiserv) Tj ET Q q 0 0 0 rg BT 308.35 742.25 Td (, Inc.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.20 730.25 Td (Notes to Consolidated Financial Statements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 697.25 Td (1. Summary of Significant ) Tj ET Q q 0 0 0 rg BT 163.62 697.25 Td (Accounting Policies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.25 Td (Description of the Business) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 655.25 Td (Fiserv) Tj ET Q q 0 0 0 rg BT 74.35 655.25 Td (, Inc. and its subsidiaries \(collectively) Tj ET Q q 0 0 0 rg BT 225.05 655.25 Td (, the Company\) provide financial services technology to clients worldwide, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 643.25 Td (including banks, credit unions, investment management firms, leasing and finance companies, billers, retailers, and merchants. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 631.25 Td (The Company provides account processing systems, electronic payments processing products and services, internet and mobile ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 619.25 Td (banking systems, and related services. ) Tj ET Q q 0 0 0 rg BT 205.05 619.25 Td (The Company is principally located in the United States where it operates data and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 607.25 Td (transaction processing centers, provides technology support, develops software and payment solutions, and of) Tj ET Q q 0 0 0 rg BT 488.88 607.25 Td (fers consulting ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 595.25 Td (services.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 574.25 Td (The Company) Tj ET Q q 0 0 0 rg BT 109.71 574.25 Td (s operations are comprised of the Payments and Industry Products \(Payments\) segment and the Financial ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td (Institution Services \(Financial\) segment. ) Tj ET Q q 0 0 0 rg BT 223.01 562.25 Td (Additional information regarding the Company) Tj ET Q q 0 0 0 rg BT 415.20 562.25 Td (s business segments is included in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 550.25 Td (Note ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.94 550.25 Td (10) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.94 550.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 529.25 Td (Principles of Consolidation) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 508.25 Td (The consolidated financial statements include the accounts of Fiserv) Tj ET Q q 0 0 0 rg BT 322.60 508.25 Td (, Inc. and all ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 374.80 508.25 Td (100%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 398.13 508.25 Td ( owned subsidiaries. Investments in less ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 496.25 Td (than ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 69.72 496.25 Td (50%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 88.05 496.25 Td ( owned af) Tj ET Q q 0 0 0 rg BT 127.29 496.25 Td (filiates in which the Company has significant influence but not control are accounted for using the equity ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 484.25 Td (method of accounting. ) Tj ET Q q 0 0 0 rg BT 141.65 484.25 Td (All intercompany transactions and balances have been eliminated in consolidation.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 463.25 Td (Stock Split) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 442.25 Td (On February 21, 2018, the Company) Tj ET Q q 0 0 0 rg BT 199.70 442.25 Td (s board of directors declared a ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 322.98 442.25 Td (two) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 337.98 442.25 Td (-for) Tj ET Q q 0 0 0 rg BT 352.77 442.25 Td (-one stock split of the Company) Tj ET Q q 0 0 0 rg BT 483.58 442.25 Td (s common stock ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 430.25 Td (and a proportionate increase in the number of its authorized shares of common stock. ) Tj ET Q q 0 0 0 rg BT 392.77 430.25 Td (The additional shares were distributed on ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 418.25 Td (March 19, 2018 to shareholders of record at the close of business on March 5, 2018. ) Tj ET Q q 0 0 0 rg BT 388.90 418.25 Td (The Company) Tj ET Q q 0 0 0 rg BT 448.61 418.25 Td (s common stock began ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 406.25 Td (trading at the split-adjusted price on March 20, 2018. ) Tj ET Q q 0 0 0 rg BT 264.67 406.25 Td (All share and per share amounts are retroactively presented on a split ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 394.25 Td (adjusted basis. ) Tj ET Q q 0 0 0 rg BT 110.64 394.25 Td (The impact on the consolidated balance sheets of the stock split was an increase of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 443.59 394.25 Td ($4 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 484.98 394.25 Td ( to common stock ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 382.25 Td (and an of) Tj ET Q q 0 0 0 rg BT 87.03 382.25 Td (fsetting reduction in additional paid-in capital, which has been retroactively restated.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 361.25 Td (Use of Estimates) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 340.25 Td (The preparation of financial statements in conformity with accounting principles generally accepted in the United States ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 328.25 Td (requires management to make estimates and assumptions that af) Tj ET Q q 0 0 0 rg BT 306.41 328.25 Td (fect the reported amounts of assets and liabilities and disclosure ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 316.25 Td (of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenue and expenses ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 304.25 Td (during the reporting period. ) Tj ET Q q 0 0 0 rg BT 162.48 304.25 Td (Actual results could dif) Tj ET Q q 0 0 0 rg BT 255.88 304.25 Td (fer materially from those estimates.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 283.25 Td (Recent ) Tj ET Q q 0 0 0 rg BT 81.38 283.25 Td (Accounting Pr) Tj ET Q q 0 0 0 rg BT 143.13 283.25 Td (onouncements) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 262.25 Td (Recently ) Tj ET Q q 0 0 0 rg BT 86.74 262.25 Td (Adopted ) Tj ET Q q 0 0 0 rg BT 122.38 262.25 Td (Accounting Pr) Tj ET Q q 0 0 0 rg BT 180.05 262.25 Td (onouncements) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 241.25 Td (In February 2018, the Financial ) Tj ET Q q 0 0 0 rg BT 178.31 241.25 Td (Accounting Standards Board \(F) Tj ET Q q 0 0 0 rg BT 308.93 241.25 Td (ASB\) issued ) Tj ET Q q 0 0 0 rg BT 365.60 241.25 Td (ASU No. 2018-02, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 443.65 241.25 Td (Income Statement Reporting ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 229.25 Td (Compr) Tj ET Q q 0 0 0 rg BT 77.41 229.25 Td (ehensive Income \(T) Tj ET Q q 0 0 0 rg BT 154.24 229.25 Td (opic 220\): Reclassification of Certain T) Tj ET Q q 0 0 0 rg BT 312.47 229.25 Td (ax Effects fr) Tj ET Q q 0 0 0 rg BT 360.42 229.25 Td (om ) Tj ET Q q 0 0 0 rg BT 374.96 229.25 Td (Accumulated Other Compr) Tj ET Q q 0 0 0 rg BT 482.91 229.25 Td (ehensive Income ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 217.25 Td (\(ASU 2018-02\), which allows a reclassification from accumulated other comprehensive income to retained earnings for ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 205.25 Td (stranded tax ef) Tj ET Q q 0 0 0 rg BT 108.68 205.25 Td (fects of the change in the U.S. federal corporate tax rate resulting from the ) Tj ET Q q 0 0 0 rg BT 408.38 205.25 Td (T) Tj ET Q q 0 0 0 rg BT 413.79 205.25 Td (ax Cuts and Jobs ) Tj ET Q q 0 0 0 rg BT 483.24 205.25 Td (Act \(the T) Tj ET Q q 0 0 0 rg BT 528.07 205.25 Td (ax ) Tj ET Q q 0 0 0 rg BT 539.46 205.25 Td (Act\) ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 193.25 Td (enacted in December 2017. ) Tj ET Q q 0 0 0 rg BT 161.34 193.25 Td (ASU 2018-02 is ef) Tj ET Q q 0 0 0 rg BT 236.44 193.25 Td (fective for fiscal years, including interim periods within those fiscal years, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 181.25 Td (beginning after December 15, 2018, with early adoption permitted. ) Tj ET Q q 0 0 0 rg BT 320.29 181.25 Td (The Company early adopted ) Tj ET Q q 0 0 0 rg BT 435.82 181.25 Td (ASU 2018-02 in the first ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 169.25 Td (quarter of 2018, and elected to reclassify the ) Tj ET Q q 0 0 0 rg BT 230.02 169.25 Td (T) Tj ET Q q 0 0 0 rg BT 235.43 169.25 Td (ax ) Tj ET Q q 0 0 0 rg BT 246.82 169.25 Td (Act income tax benefits of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 355.40 169.25 Td ($3 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 396.79 169.25 Td ( from accumulated other comprehensive ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 157.25 Td (loss to retained earnings.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 136.25 Td (In ) Tj ET Q q 0 0 0 rg BT 60.28 136.25 Td (August 2017, the F) Tj ET Q q 0 0 0 rg BT 136.21 136.25 Td (ASB issued ) Tj ET Q q 0 0 0 rg BT 185.11 136.25 Td (ASU No. 2017-12, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 263.16 136.25 Td (Derivatives and Hedging \(T) Tj ET Q q 0 0 0 rg BT 374.17 136.25 Td (opic 815\): T) Tj ET Q q 0 0 0 rg BT 422.69 136.25 Td (ar) Tj ET Q q 0 0 0 rg BT 431.21 136.25 Td (geted Impr) Tj ET Q q 0 0 0 rg BT 474.44 136.25 Td (ovements to ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 124.25 Td (Accounting for Hedging ) Tj ET Q q 0 0 0 rg BT 148.97 124.25 Td (Activities ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 188.68 124.25 Td (\(ASU 2017-12\), which provides guidance designed to improve the financial reporting of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 112.25 Td (hedging relationships to better portray the economic results of an entity) Tj ET Q q 0 0 0 rg BT 338.26 112.25 Td (s risk management activities in its financial statements ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 100.25 Td (as well as to simplify the application of the hedge accounting guidance in current U.S. generally accepted accounting ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 88.25 Td (principles. For public entities, ) Tj ET Q q 0 0 0 rg BT 171.65 88.25 Td (ASU 2017-12 is ef) Tj ET Q q 0 0 0 rg BT 246.74 88.25 Td (fective for fiscal years, including interim periods within those fiscal years, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 76.25 Td (beginning after December 15, 2018, with early adoption permitted in any interim period or fiscal year) Tj ET Q q 0 0 0 rg BT 456.26 76.25 Td (. For cash flow and net ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 64.25 Td (investment hedges existing at the date of adoption, the standard requires a cumulative-ef) Tj ET Q q 0 0 0 rg BT 403.32 64.25 Td (fect adjustment to eliminate the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 52.25 Td (separate measurement of inef) Tj ET Q q 0 0 0 rg BT 167.26 52.25 Td (fectiveness to accumulated other comprehensive income with a corresponding adjustment to the ) Tj ET Q endstream endobj 91 0 obj <> endobj 92 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (43) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (opening balance of retained earnings as of the beginning of the fiscal year of adoption. ) Tj ET Q q 0 0 0 rg BT 398.58 742.10 Td (The amended presentation and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (disclosure guidance is required only prospectively) Tj ET Q q 0 0 0 rg BT 250.13 730.10 Td (. ) Tj ET Q q 0 0 0 rg BT 254.95 730.10 Td (The Company early adopted ) Tj ET Q q 0 0 0 rg BT 370.47 730.10 Td (ASU 2017-12 in the first quarter of 2018, and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (recorded a cumulative-ef) Tj ET Q q 0 0 0 rg BT 149.76 718.10 Td (fect adjustment to accumulated other comprehensive loss of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 391.90 718.10 Td ($3 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 433.30 718.10 Td ( with a corresponding decrease ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (in the opening balance of retained earnings.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 685.10 Td (In October 2016, the F) Tj ET Q q 0 0 0 rg BT 140.07 685.10 Td (ASB issued ) Tj ET Q q 0 0 0 rg BT 188.97 685.10 Td (ASU No. 2016-16, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 267.03 685.10 Td (Income T) Tj ET Q q 0 0 0 rg BT 303.60 685.10 Td (axes \(T) Tj ET Q q 0 0 0 rg BT 331.85 685.10 Td (opic 740\): Intra-Entity T) Tj ET Q q 0 0 0 rg BT 430.44 685.10 Td (ransfers of ) Tj ET Q q 0 0 0 rg BT 475.83 685.10 Td (Assets Other Than ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 673.10 Td (Inventory ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 90.82 673.10 Td (\(ASU 2016-16\), which eliminates the current prohibition on immediate recognition of the current and deferred ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 661.10 Td (income tax ef) Tj ET Q q 0 0 0 rg BT 104.24 661.10 Td (fects of intra-entity transfers of assets other than inventory) Tj ET Q q 0 0 0 rg BT 337.40 661.10 Td (, with the intent of reducing complexity and diversity in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 649.10 Td (practice. Under ) Tj ET Q q 0 0 0 rg BT 113.58 649.10 Td (ASU 2016-16, entities must recognize the income tax consequences when the transfer occurs rather than ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 637.10 Td (deferring recognition. For public entities, ) Tj ET Q q 0 0 0 rg BT 216.90 637.10 Td (ASU 2016-16 is ef) Tj ET Q q 0 0 0 rg BT 292.00 637.10 Td (fective for fiscal years, including interim periods within those ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 625.10 Td (fiscal years, beginning after December 15, 2017. Entities must apply the guidance on a modified retrospective basis through a ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 613.10 Td (cumulative-ef) Tj ET Q q 0 0 0 rg BT 105.35 613.10 Td (fect adjustment to retained earnings as of the beginning of the period of adoption. ) Tj ET Q q 0 0 0 rg BT 433.68 613.10 Td (The Company adopted ) Tj ET Q q 0 0 0 rg BT 526.72 613.10 Td (ASU ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 601.10 Td (2016-16 in the first quarter of 2018, and the adoption did not have a material impact on its consolidated financial statements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (In March 2016, the F) Tj ET Q q 0 0 0 rg BT 133.96 580.10 Td (ASB issued ) Tj ET Q q 0 0 0 rg BT 182.87 580.10 Td (ASU No. 2016-09, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 260.92 580.10 Td (Compensation - Stock Compensation \(T) Tj ET Q q 0 0 0 rg BT 419.44 580.10 Td (opic 718\): Impr) Tj ET Q q 0 0 0 rg BT 482.39 580.10 Td (ovements to ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 568.10 Td (Employee Shar) Tj ET Q q 0 0 0 rg BT 110.44 568.10 Td (e-Based Payment ) Tj ET Q q 0 0 0 rg BT 182.46 568.10 Td (Accounting ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 230.50 568.10 Td (\(ASU 2016-09\), which simplifies several aspects of the accounting for share-) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (based payment awards, including the accounting for income taxes and forfeitures, as well as classification in the statement of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (cash flows. ) Tj ET Q q 0 0 0 rg BT 97.31 544.10 Td (The standard requires that all tax ef) Tj ET Q q 0 0 0 rg BT 238.74 544.10 Td (fects related to share-based payments be recorded as income tax expense or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (benefit in the income statement at settlement or expiration and, accordingly) Tj ET Q q 0 0 0 rg BT 351.19 532.10 Td (, excess tax benefits and tax deficiencies be ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 520.10 Td (presented as operating activities in the statement of cash flows. For public entities, ) Tj ET Q q 0 0 0 rg BT 381.86 520.10 Td (ASU 2016-09 was ef) Tj ET Q q 0 0 0 rg BT 465.83 520.10 Td (fective for annual ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 508.10 Td (periods beginning after December 15, 2016, including interim periods within those annual periods. ) Tj ET Q q 0 0 0 rg BT 447.50 508.10 Td (The recognition of all ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 496.10 Td (excess tax benefits and tax deficiencies in the income statement, as well as related changes to the computation of diluted ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 484.10 Td (earnings per share, is to be applied prospectively) Tj ET Q q 0 0 0 rg BT 244.29 484.10 Td (. ) Tj ET Q q 0 0 0 rg BT 249.11 484.10 Td (The impact of this standard on the Company) Tj ET Q q 0 0 0 rg BT 429.90 484.10 Td (s consolidated financial ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 472.10 Td (statements depends on the intrinsic value of share-based compensation awards at the time of exercise or vesting, resulting in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 460.10 Td (more variability in ef) Tj ET Q q 0 0 0 rg BT 134.51 460.10 Td (fective tax rates and net earnings, and also impacting the dilution of common stock equivalents. ) Tj ET Q q 0 0 0 rg BT 519.50 460.10 Td (The ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 448.10 Td (Company adopted ) Tj ET Q q 0 0 0 rg BT 124.99 448.10 Td (ASU 2016-09 ef) Tj ET Q q 0 0 0 rg BT 190.91 448.10 Td (fective January 1, 2017. ) Tj ET Q q 0 0 0 rg BT 288.66 448.10 Td (As a result of this adoption, the Company recorded excess tax ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 436.10 Td (benefits related to share-based compensation awards of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 273.53 436.10 Td ($34 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 319.92 436.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 339.36 436.10 Td ($48 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 385.75 436.10 Td ( in 2018 and 2017, respectively) Tj ET Q q 0 0 0 rg BT 510.63 436.10 Td (, in the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 424.10 Td (income tax provision, whereas such benefits were previously recognized in equity) Tj ET Q q 0 0 0 rg BT 377.30 424.10 Td (. ) Tj ET Q q 0 0 0 rg BT 382.12 424.10 Td (These benefits were partially of) Tj ET Q q 0 0 0 rg BT 508.55 424.10 Td (fset by an ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 412.10 Td (increase in the dilution of common stock equivalents for calculating diluted earnings per share. ) Tj ET Q q 0 0 0 rg BT 432.20 412.10 Td (The Company elected to apply ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 400.10 Td (the change in presentation in the statement of cash flows prospectively) Tj ET Q q 0 0 0 rg BT 332.04 400.10 Td (, and as a result, excess tax benefits are classified as ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 388.10 Td (operating activities when realized through reductions to subsequent tax payments. ) Tj ET Q q 0 0 0 rg BT 380.00 388.10 Td (The treatment of forfeitures did not change ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 376.10 Td (as the Company elected to continue its current practice of estimating expected forfeitures.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 355.10 Td (In January 2016, the F) Tj ET Q q 0 0 0 rg BT 138.96 355.10 Td (ASB issued ) Tj ET Q q 0 0 0 rg BT 187.87 355.10 Td (ASU No. 2016-01,) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 263.42 355.10 Td ( Recognition and Measur) Tj ET Q q 0 0 0 rg BT 364.42 355.10 Td (ement of Financial ) Tj ET Q q 0 0 0 rg BT 442.28 355.10 Td (Assets and Financial ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 343.10 Td (Liabilities ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 93.06 343.10 Td (\(ASU 2016-01\), which primarily af) Tj ET Q q 0 0 0 rg BT 243.67 343.10 Td (fects the accounting for equity investments, financial liabilities under the fair ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 331.10 Td (value option, and the presentation and disclosure requirements of financial instruments. For public entities, ) Tj ET Q q 0 0 0 rg BT 479.62 331.10 Td (ASU 2016-01 is ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 319.10 Td (ef) Tj ET Q q 0 0 0 rg BT 57.59 319.10 Td (fective for fiscal years, and interim periods within those years, beginning after December 15, 2017. Entities must apply the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 307.10 Td (standard, with certain exceptions, using a cumulative-ef) Tj ET Q q 0 0 0 rg BT 273.08 307.10 Td (fect adjustment to beginning retained earnings as of the beginning of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 295.10 Td (the fiscal year of adoption. ) Tj ET Q q 0 0 0 rg BT 159.22 295.10 Td (The Company adopted ) Tj ET Q q 0 0 0 rg BT 252.26 295.10 Td (ASU 2016-01 in the first quarter of 2018, and the adoption did not have any ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 283.10 Td (impact on its consolidated financial statements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (In May 2014, the F) Tj ET Q q 0 0 0 rg BT 126.20 262.10 Td (ASB issued ) Tj ET Q q 0 0 0 rg BT 175.10 262.10 Td (ASU No. 2014-09,) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 250.65 262.10 Td ( Revenue fr) Tj ET Q q 0 0 0 rg BT 295.82 262.10 Td (om Contracts with Customers) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 415.00 262.10 Td ( \(ASU 2014-09\), to clarify the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (principles of recognizing revenue and to create common revenue recognition guidance between U.S. generally accepted ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (accounting principles and International Financial Reporting Standards. ) Tj ET Q q 0 0 0 rg BT 334.93 238.10 Td (ASU 2014-09 outlines a single comprehensive model ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (for entities to use in accounting for revenue arising from contracts with customers and supersedes most current revenue ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (recognition guidance, including industry-specific requirements. It also includes guidance on accounting for the incremental ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (costs of obtaining and costs incurred to fulfill a contract with a customer) Tj ET Q q 0 0 0 rg BT 339.37 202.10 Td (. ) Tj ET Q q 0 0 0 rg BT 344.19 202.10 Td (The core principle of the revenue model is that an ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (entity recognizes revenue to depict the transfer of promised goods or services to customers in an amount that reflects the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (consideration to which the entity expects to be entitled in exchange for those goods or services. ) Tj ET Q q 0 0 0 rg BT 433.32 178.10 Td (This model involves a five-step ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (process for achieving that core principle, along with comprehensive disclosures about the nature, amount, timing and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (uncertainty of revenue and cash flows arising from contracts with customers. For public entities, the new revenue standard is ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (ef) Tj ET Q q 0 0 0 rg BT 57.59 142.10 Td (fective for annual and interim periods beginning after December 15, 2017. Entities have the option of adopting this new ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (guidance using either a full retrospective or a modified approach with the cumulative ef) Tj ET Q q 0 0 0 rg BT 400.52 130.10 Td (fect of applying the guidance ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (recognized at the date of initial application.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 97.10 Td (The Company adopted the new standard ef) Tj ET Q q 0 0 0 rg BT 221.43 97.10 Td (fective January 1, 2018 using the modified retrospective transition approach applied ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 85.10 Td (to all contracts, which resulted in a cumulative-ef) Tj ET Q q 0 0 0 rg BT 247.52 85.10 Td (fect increase in the opening balance of retained earnings of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 485.75 85.10 Td ($208 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 537.14 85.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 73.10 Td (primarily related to the deferral of incremental sales commissions incurred in obtaining contracts in prior periods. Under this ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 61.10 Td (transition approach, the Company has not restated the prior period consolidated financial statements presented; however) Tj ET Q q 0 0 0 rg BT 530.28 61.10 Td (, it has ) Tj ET Q endstream endobj 93 0 obj <> endobj 94 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (44) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (provided additional disclosures related to the amount by which each relevant 2018 financial statement line item was af) Tj ET Q q 0 0 0 rg BT 523.83 742.10 Td (fected by ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (adoption of the new standard and explanations for significant changes \(see Note 2\). ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 709.10 Td (Recently Issued ) Tj ET Q q 0 0 0 rg BT 114.79 709.10 Td (Accounting Pr) Tj ET Q q 0 0 0 rg BT 172.46 709.10 Td (onouncements) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 688.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.28 688.10 Td (August 2018, the F) Tj ET Q q 0 0 0 rg BT 136.21 688.10 Td (ASB issued ) Tj ET Q q 0 0 0 rg BT 185.11 688.10 Td (ASU No. 2018-15,) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 260.66 688.10 Td ( Intangibles - Goodwill and Other - Internal-Use Softwar) Tj ET Q q 0 0 0 rg BT 489.72 688.10 Td (e \(Subtopic) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 534.99 688.10 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 676.10 Td (350-40\): Customer) Tj ET Q q 0 0 0 rg BT 126.75 676.10 Td () Tj ET Q q 0 0 0 rg BT 128.79 676.10 Td (s ) Tj ET Q q 0 0 0 rg BT 135.00 676.10 Td (Accounting for Implementation Costs Incurr) Tj ET Q q 0 0 0 rg BT 312.39 676.10 Td (ed in a Cloud Computing ) Tj ET Q q 0 0 0 rg BT 415.83 676.10 Td (Arrangement That Is a Service ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (Contract ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 88.06 664.10 Td (\(ASU 2018-15\), which aligns the requirements for capitalizing implementation costs incurred in a cloud computing ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (hosting arrangement that is a service contract with the requirements under ) Tj ET Q q 0 0 0 rg BT 347.95 652.10 Td (Accounting Standards Codification \(ASC\) 350 for ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (capitalizing implementation costs incurred to develop or obtain internal-use software. For public entities, ) Tj ET Q q 0 0 0 rg BT 471.83 640.10 Td (ASU 2018-15 is ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (ef) Tj ET Q q 0 0 0 rg BT 57.59 628.10 Td (fective for fiscal years, and interim periods within those years, beginning after December 15, 2019, with early adoption ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (permitted. Entities are permitted to apply either a retrospective or prospective transition approach to adopt the guidance. ) Tj ET Q q 0 0 0 rg BT 532.71 616.10 Td (The ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (Company is currently assessing the impact that the adoption of ) Tj ET Q q 0 0 0 rg BT 303.29 604.10 Td (ASU 2018-15 will have on its consolidated financial statements. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 583.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.28 583.10 Td (August 2018, the F) Tj ET Q q 0 0 0 rg BT 136.21 583.10 Td (ASB issued ) Tj ET Q q 0 0 0 rg BT 185.11 583.10 Td (ASU No. 2018-13, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 263.16 583.10 Td (Fair V) Tj ET Q q 0 0 0 rg BT 288.44 583.10 Td (alue Measur) Tj ET Q q 0 0 0 rg BT 338.34 583.10 Td (ement \(T) Tj ET Q q 0 0 0 rg BT 372.69 583.10 Td (opic 820\): Disclosur) Tj ET Q q 0 0 0 rg BT 455.09 583.10 Td (e Framework - Changes ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 571.10 Td (to the Disclosur) Tj ET Q q 0 0 0 rg BT 113.52 571.10 Td (e Requir) Tj ET Q q 0 0 0 rg BT 147.30 571.10 Td (ements for Fair V) Tj ET Q q 0 0 0 rg BT 217.02 571.10 Td (alue Measur) Tj ET Q q 0 0 0 rg BT 266.91 571.10 Td (ement) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 290.79 571.10 Td ( \(ASU 2018-13\), which removes, modifies, and adds certain ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 559.10 Td (disclosure requirements of ) Tj ET Q q 0 0 0 rg BT 158.03 559.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 179.80 559.10 Td (T) Tj ET Q q 0 0 0 rg BT 185.21 559.10 Td (opic 820, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 224.93 559.10 Td (Fair V) Tj ET Q q 0 0 0 rg BT 250.21 559.10 Td (alue Measur) Tj ET Q q 0 0 0 rg BT 300.10 559.10 Td (ement) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 323.98 559.10 Td (. ) Tj ET Q q 0 0 0 rg BT 328.43 559.10 Td (ASU 2018-13 is ef) Tj ET Q q 0 0 0 rg BT 403.52 559.10 Td (fective for fiscal years, including ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 547.10 Td (interim periods within those fiscal years, beginning after December 15, 2019, with the additional disclosures required to be ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 535.10 Td (applied prospectively and the modified and removed disclosures required to be applied retrospectively to all periods presented. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 523.10 Td (Entities are permitted to early adopt the removed or modified disclosures and delay the adoption of the additional disclosures ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 511.10 Td (until the ef) Tj ET Q q 0 0 0 rg BT 93.14 511.10 Td (fective date. ) Tj ET Q q 0 0 0 rg BT 144.32 511.10 Td (The Company is currently assessing the impact that the adoption of ) Tj ET Q q 0 0 0 rg BT 415.65 511.10 Td (ASU 2018-13 will have on its ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 499.10 Td (consolidated financial statements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (In June 2018, the F) Tj ET Q q 0 0 0 rg BT 126.20 478.10 Td (ASB issued ) Tj ET Q q 0 0 0 rg BT 175.10 478.10 Td (ASU No. 2018-07, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 253.15 478.10 Td (Compensation - Stock Compensation \(T) Tj ET Q q 0 0 0 rg BT 411.67 478.10 Td (opic 718\): Impr) Tj ET Q q 0 0 0 rg BT 474.62 478.10 Td (ovements to) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 522.10 478.10 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (Nonemployee Shar) Tj ET Q q 0 0 0 rg BT 125.44 466.10 Td (e-Based Payment ) Tj ET Q q 0 0 0 rg BT 197.46 466.10 Td (Accounting ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 245.50 466.10 Td (\(ASU 2018-07\), which simplifies the accounting for share-based payments ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (granted to nonemployees by lar) Tj ET Q q 0 0 0 rg BT 175.89 454.10 Td (gely aligning it with the accounting for share-based payments to employees. For public entities, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (ASU 2018-07 is ef) Tj ET Q q 0 0 0 rg BT 125.09 442.10 Td (fective for fiscal years, and interim periods within those years, beginning after December 15, 2018, with ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (early adoption permitted. Entities must apply the standard, using a modified retrospective transition approach, with a ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (cumulative-ef) Tj ET Q q 0 0 0 rg BT 105.35 418.10 Td (fect adjustment to retained earnings as of the beginning of the fiscal year of adoption for all liability-classified ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (nonemployee awards that have not been settled as of the adoption date and equity-classified nonemployee awards for which a ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (measurement date has not been established. ) Tj ET Q q 0 0 0 rg BT 226.70 394.10 Td (The Company does not expect the adoption of ) Tj ET Q q 0 0 0 rg BT 413.33 394.10 Td (ASU 2018-07 to have a material ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (impact on its consolidated financial statements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 361.10 Td (In June 2016, the F) Tj ET Q q 0 0 0 rg BT 126.20 361.10 Td (ASB issued ) Tj ET Q q 0 0 0 rg BT 175.10 361.10 Td (ASU No. 2016-13, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 253.15 361.10 Td (Financial Instruments - Cr) Tj ET Q q 0 0 0 rg BT 360.28 361.10 Td (edit Losses \(T) Tj ET Q q 0 0 0 rg BT 414.92 361.10 Td (opic 326\) ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 455.47 361.10 Td (\(ASU 2016-13\), which ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 349.10 Td (prescribes an impairment model for most financial assets based on expected losses rather than incurred losses. Under this ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 337.10 Td (model, an estimate of) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.1450980392156863 0.1450980392156863 0.1450980392156863 rg BT 136.08 337.10 Td ( expected credit losses over the contractual life of the instrument is to be recorded as of the end of a ) Tj ET Q BT /F2 10.00 Tf ET q 0.1450980392156863 0.1450980392156863 0.1450980392156863 rg BT 50.00 325.10 Td (reporting period as an allowance to of) Tj ET Q q 0.1450980392156863 0.1450980392156863 0.1450980392156863 rg BT 201.43 325.10 Td (fset the amortized cost basis, resulting in a net presentation of the amount expected to be ) Tj ET Q BT /F2 10.00 Tf ET q 0.1450980392156863 0.1450980392156863 0.1450980392156863 rg BT 50.00 313.10 Td (collected on the financial asset. ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 177.72 313.10 Td (For public entities, ) Tj ET Q q 0 0 0 rg BT 254.94 313.10 Td (ASU 2016-13 is ef) Tj ET Q q 0 0 0 rg BT 330.03 313.10 Td (fective for fiscal years, including interim periods within ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 301.10 Td (those fiscal years, beginning after December 15, 2019. Early adoption is permitted for fiscal years beginning after December ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 289.10 Td (15, 2018, including interim periods within those fiscal years. For most instruments, entities must apply the standard using a ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 277.10 Td (cumulative-ef) Tj ET Q q 0 0 0 rg BT 105.35 277.10 Td (fect adjustment to beginning retained earnings as of the beginning of the fiscal year of adoption. ) Tj ET Q q 0 0 0 rg BT 491.99 277.10 Td (The Company is ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 265.10 Td (currently assessing the impact that the adoption of ) Tj ET Q q 0 0 0 rg BT 252.73 265.10 Td (ASU 2016-13 will have on its consolidated financial statements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 244.10 Td (In February 2016, the F) Tj ET Q q 0 0 0 rg BT 143.96 244.10 Td (ASB issued ) Tj ET Q q 0 0 0 rg BT 192.87 244.10 Td (ASU No. 2016-02,) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 268.42 244.10 Td ( Leases \(T) Tj ET Q q 0 0 0 rg BT 308.62 244.10 Td (opic 842\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 346.67 244.10 Td ( \(ASU 2016-02\), which requires lessees to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 232.10 Td (recognize a lease liability and a right-of-use asset for each lease with a term longer than twelve months. ) Tj ET Q q 0 0 0 rg BT 466.61 232.10 Td (The recognized ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (liability is measured at the present value of lease payments not yet paid, and the corresponding asset represents the lessee) Tj ET Q q 0 0 0 rg BT 537.62 220.10 Td (s ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 208.10 Td (right to use the underlying asset over the lease term and is based on the liability) Tj ET Q q 0 0 0 rg BT 367.32 208.10 Td (, subject to certain adjustments. For income ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 196.10 Td (statement and statement of cash flow purposes, the standard retains the dual model with leases classified as either operating or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 184.10 Td (finance. Operating leases will result in straight-line expense while finance leases will result in a front-loaded expense pattern. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 172.10 Td (The standard prescribes a modified retrospective transition approach for leases existing at, or entered into after) Tj ET Q q 0 0 0 rg BT 492.21 172.10 Td (, the beginning ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 160.10 Td (of the earliest comparative period presented in the financial statements. ) Tj ET Q q 0 0 0 rg BT 337.21 160.10 Td (T) Tj ET Q q 0 0 0 rg BT 342.62 160.10 Td (opic 842 was subsequently amended by ) Tj ET Q q 0 0 0 rg BT 503.14 160.10 Td (ASU No. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 148.10 Td (2018-01, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 88.33 148.10 Td (Land Easement Practical Expedient for T) Tj ET Q q 0 0 0 rg BT 254.14 148.10 Td (ransition to T) Tj ET Q q 0 0 0 rg BT 307.68 148.10 Td (opic 842) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 342.40 148.10 Td (; ) Tj ET Q q 0 0 0 rg BT 347.12 148.10 Td (ASU No. 2018-10, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 425.18 148.10 Td (Codification Impr) Tj ET Q q 0 0 0 rg BT 496.75 148.10 Td (ovements to ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 136.10 Td (T) Tj ET Q q 0 0 0 rg BT 54.64 136.10 Td (opic 842) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 89.36 136.10 Td (; ) Tj ET Q q 0 0 0 rg BT 94.09 136.10 Td (ASU No. 2018-1) Tj ET Q q 0 0 0 rg BT 161.77 136.10 Td (1,) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 169.27 136.10 Td ( Leases \(T) Tj ET Q q 0 0 0 rg BT 209.47 136.10 Td (opic 842\) - T) Tj ET Q q 0 0 0 rg BT 260.49 136.10 Td (ar) Tj ET Q q 0 0 0 rg BT 269.01 136.10 Td (geted Impr) Tj ET Q q 0 0 0 rg BT 312.24 136.10 Td (ovements) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 349.44 136.10 Td (; and ) Tj ET Q q 0 0 0 rg BT 371.11 136.10 Td (ASU No. 2018-20, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 449.17 136.10 Td (Narr) Tj ET Q q 0 0 0 rg BT 468.25 136.10 Td (ow-Scope ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 124.10 Td (Impr) Tj ET Q q 0 0 0 rg BT 69.07 124.10 Td (ovements for Lessors) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 153.52 124.10 Td (. ) Tj ET Q q 0 0 0 rg BT 157.96 124.10 Td (ASU No. 2018-1) Tj ET Q q 0 0 0 rg BT 225.65 124.10 Td (1 provides an additional transition method allowing entities to initially apply the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 112.10 Td (new lease standard at the adoption date and recognize a cumulative-ef) Tj ET Q q 0 0 0 rg BT 329.69 112.10 Td (fect adjustment to the opening balance of retained ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 100.10 Td (earnings in the period of adoption. For public entities, ) Tj ET Q q 0 0 0 rg BT 267.46 100.10 Td (ASU 2016-02 is ef) Tj ET Q q 0 0 0 rg BT 342.55 100.10 Td (fective for annual and interim periods beginning after ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 88.10 Td (December 15, 2018, with early adoption permitted.) Tj ET Q endstream endobj 95 0 obj <> endobj 96 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (45) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (The Company adopted the new standard ef) Tj ET Q q 0 0 0 rg BT 221.43 742.10 Td (fective January 1, 2019 using the optional transition method in ) Tj ET Q q 0 0 0 rg BT 473.89 742.10 Td (ASU 2018-1) Tj ET Q q 0 0 0 rg BT 524.35 742.10 Td (1. Under ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (this method, the Company will not adjust its comparative period financial statements for the ef) Tj ET Q q 0 0 0 rg BT 428.34 730.10 Td (fects of the new standard or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (make the new) Tj ET Q q 0 0 0 rg BT 104.88 718.10 Td (, expanded required disclosures for periods prior to the ef) Tj ET Q q 0 0 0 rg BT 334.07 718.10 Td (fective date. ) Tj ET Q q 0 0 0 rg BT 385.25 718.10 Td (The Company elected the package of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (practical expedients permitted under the transition guidance in ) Tj ET Q q 0 0 0 rg BT 301.58 706.10 Td (ASU 2016-02 to not reassess prior conclusions related to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (contracts containing leases, lease classification and initial direct costs. ) Tj ET Q q 0 0 0 rg BT 332.78 694.10 Td (The Company also elected the practical expedient not to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (separate the non-lease components of a contract from the lease component to which they relate.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 661.10 Td (The Company has identified and implemented appropriate changes for adopting this new lease standard on its consolidated ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 649.10 Td (financial statements, including changes to related disclosures, accounting policies, and necessary control, process and system ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 637.10 Td (changes. ) Tj ET Q q 0 0 0 rg BT 87.03 637.10 Td (The adoption of the new lease standard resulted in the recognition of lease liabilities of approximately ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 497.45 637.10 Td ($375 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.84 637.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 625.10 Td (and right-of-use assets of approximately ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 213.56 625.10 Td ($350 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 264.96 625.10 Td (, which include the impact of existing deferred rents and tenant ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 613.10 Td (improvement allowances on the consolidated balance sheet as of January 1, 2019 for real and personal property operating ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 601.10 Td (leases. ) Tj ET Q q 0 0 0 rg BT 78.70 601.10 Td (The adoption of ) Tj ET Q q 0 0 0 rg BT 144.52 601.10 Td (ASU 2016-02 will not have a material impact on the Company) Tj ET Q q 0 0 0 rg BT 398.35 601.10 Td (s consolidated statements of income or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 589.10 Td (consolidated statements of cash flows.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 568.10 Td (Fair) Tj ET Q q 0 0 0 rg BT 68.14 568.10 Td ( ) Tj ET Q q 0 0 0 rg BT 70.46 568.10 Td (V) Tj ET Q q 0 0 0 rg BT 76.77 568.10 Td (alue Measur) Tj ET Q q 0 0 0 rg BT 129.63 568.10 Td (ements) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 547.10 Td (The Company applies fair value accounting for all assets and liabilities that are recognized or disclosed at fair value in its ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 535.10 Td (consolidated financial statements on a recurring basis. Fair value represents the amount that would be received from selling an ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 523.10 Td (asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. ) Tj ET Q q 0 0 0 rg BT 503.26 523.10 Td (When ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 511.10 Td (determining the fair value measurements for assets and liabilities, the Company considers the principal or most advantageous ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 499.10 Td (market and the market-based risk measurements or assumptions that market participants would use in pricing the asset or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 487.10 Td (liability) Tj ET Q q 0 0 0 rg BT 80.46 487.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (The fair values of cash equivalents, trade accounts receivable, settlement assets and obligations, accounts payable, and client ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (deposits approximate their respective carrying values due to the short period of time to maturity) Tj ET Q q 0 0 0 rg BT 432.57 454.10 Td (. ) Tj ET Q q 0 0 0 rg BT 437.39 454.10 Td (The estimated fair value of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (total debt is described in Note ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 172.19 442.10 Td (6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 177.19 442.10 Td ( and was based on quoted prices in active markets for the Company) Tj ET Q q 0 0 0 rg BT 449.89 442.10 Td (s senior notes \(level 1 of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (the fair value hierarchy\). ) Tj ET Q q 0 0 0 rg BT 151.15 430.10 Td (The fair value of the Company) Tj ET Q q 0 0 0 rg BT 276.94 430.10 Td (s revolving credit facility borrowings approximates carrying value as ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (the underlying interest rate is variable based on LIBOR. ) Tj ET Q q 0 0 0 rg BT 276.42 418.10 Td (The aggregate fair values of the Company) Tj ET Q q 0 0 0 rg BT 447.47 418.10 Td (s debt guarantee ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (arrangements \(see Note ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 146.90 406.10 Td (5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 151.90 406.10 Td (\) approximate the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 224.93 406.10 Td ($29 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 271.32 406.10 Td ( carrying values at ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 347.40 406.10 Td (December31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 425.98 406.10 Td ( \(level 3 of the fair value ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (hierarchy\).) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 373.10 Td (The estimated fair value of the contingent consideration liability of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 320.47 373.10 Td ($12million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 366.86 373.10 Td ( at December 31, 2018 related to the acquisition ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 361.10 Td (of Elan Financial Services \(see Note ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 198.28 361.10 Td (3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 203.28 361.10 Td (\) was based on the present value of a probability-weighted assessment approach derived ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 349.10 Td (from the likelihood of achieving the earn-out criteria \(level 3 of the fair value hierarchy\). ) Tj ET Q q 0 0 0 rg BT 408.00 349.10 Td (This estimated fair value has not ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 337.10 Td (changed since the acquisition date. ) Tj ET Q q 0 0 0 rg BT 191.44 337.10 Td (The Company) Tj ET Q q 0 0 0 rg BT 251.15 337.10 Td (s contingent consideration liability) Tj ET Q q 0 0 0 rg BT 389.08 337.10 Td (, originally estimated at a fair value of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 325.10 Td ($15million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 96.39 325.10 Td ( \(level 3 of the fair value hierarchy\), arising from its acquisition of Online Banking Solutions, Inc. was adjusted to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 313.10 Td ($5 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 91.39 313.10 Td ( at December 31, 2018 based on a reduced likelihood of achieving the various earn-out criteria. ) Tj ET Q q 0 0 0 rg BT 474.40 313.10 Td (The ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 492.45 313.10 Td ($10million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 538.84 313.10 Td ( non-) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 301.10 Td (cash fair value adjustment was recorded to selling, general and administrative expense in the consolidated statement of income ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 289.10 Td (for the year ended December 31, 2018. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (The contingent consideration and debt guarantee liabilities are reported primarily in other long-term liabilities in the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (consolidated balance sheets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 235.10 Td (Derivatives) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (Derivatives are recorded in the consolidated balance sheets as either an asset or liability measured at fair value. If the derivative ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (is designated as a cash flow hedge, changes in the fair value of the derivative are recorded as a component of accumulated other ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (comprehensive loss and recognized in the consolidated statements of income when the hedged item af) Tj ET Q q 0 0 0 rg BT 458.02 190.10 Td (fects earnings. If the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (derivative is designated as a fair value hedge, the changes in the fair value of the derivative are recognized in earnings. ) Tj ET Q q 0 0 0 rg BT 527.11 178.10 Td (T) Tj ET Q q 0 0 0 rg BT 532.52 178.10 Td (o the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (extent the fair value hedge is ef) Tj ET Q q 0 0 0 rg BT 175.32 166.10 Td (fective, there is an of) Tj ET Q q 0 0 0 rg BT 259.26 166.10 Td (fsetting adjustment to the basis of the item being hedged. ) Tj ET Q q 0 0 0 rg BT 489.87 166.10 Td (The Company) Tj ET Q q 0 0 0 rg BT 549.58 166.10 Td (s ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (policy is to enter into derivatives with creditworthy institutions and not to enter into such derivatives for speculative purposes.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 133.10 Td (For) Tj ET Q q 0 0 0 rg BT 65.37 133.10 Td (eign Curr) Tj ET Q q 0 0 0 rg BT 107.12 133.10 Td (ency) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 112.10 Td (Foreign currency denominated assets and liabilities, where the functional currency is the local currency) Tj ET Q q 0 0 0 rg BT 462.53 112.10 Td (, are translated into U.S. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 100.10 Td (dollars at the exchange rates in ef) Tj ET Q q 0 0 0 rg BT 183.65 100.10 Td (fect at the balance sheet date.Revenue and expenses are translated at the average exchange ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 88.10 Td (rates during the period.Gains and losses from foreign currency translation are recorded as a separate component of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 76.10 Td (accumulated other comprehensive loss.) Tj ET Q endstream endobj 97 0 obj <> endobj 98 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (46) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Revenue Recognition) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (Ef) Tj ET Q q 0 0 0 rg BT 59.26 721.25 Td (fective January 1, 2018, the Company adopted ) Tj ET Q q 0 0 0 rg BT 247.27 721.25 Td (ASU 2014-09, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 308.10 721.25 Td (Revenue fr) Tj ET Q q 0 0 0 rg BT 350.76 721.25 Td (om Contracts with Customers) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 469.94 721.25 Td (, and its related ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 709.25 Td (amendments using the modified retrospective transition approach applied to all contracts. Prior period amounts have not been ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 697.25 Td (restated; however) Tj ET Q q 0 0 0 rg BT 120.40 697.25 Td (, certain prior period amounts have been reclassified to conform to current period presentation. ) Tj ET Q q 0 0 0 rg BT 503.88 697.25 Td (Additional ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 685.25 Td (information about the Company) Tj ET Q q 0 0 0 rg BT 180.81 685.25 Td (s revenue recognition policies and the related impact of the adoption is included in Note 2 to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 673.25 Td (the consolidated financial statements. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.25 Td (Selling, General and ) Tj ET Q q 0 0 0 rg BT 138.90 652.25 Td (Administrative Expenses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 631.25 Td (Selling, general and administrative expenses primarily consist of: salaries, wages, commissions and related expenses paid to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 619.25 Td (sales personnel, administrative employees and management; advertising and promotional costs; depreciation and amortization; ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 607.25 Td (and other selling and administrative expenses.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.25 Td (Cash and Cash Equivalents) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 565.25 Td (Cash and cash equivalents consist of cash and investments with original maturities of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 393.54 565.25 Td (90) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 403.54 565.25 Td ( days or less.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.25 Td (Allowance for) Tj ET Q q 0 0 0 rg BT 109.53 544.25 Td ( Doubtful ) Tj ET Q q 0 0 0 rg BT 152.32 544.25 Td (Accounts) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 523.25 Td (The Company analyzes the collectability of trade accounts receivable by considering historical bad debts, client ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 511.25 Td (creditworthiness, current economic trends, changes in client payment terms and collection trends when evaluating the adequacy ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 499.25 Td (of the allowance for doubtful accounts. ) Tj ET Q q 0 0 0 rg BT 208.56 499.25 Td (Any change in the assumptions used in analyzing a specific account receivable may ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 487.25 Td (result in an additional allowance for doubtful accounts being recognized in the period in which the change occurs. ) Tj ET Q q 0 0 0 rg BT 508.28 487.25 Td (The ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 475.25 Td (allowance for doubtful accounts was ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 199.12 475.25 Td ($18 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 245.51 475.25 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 264.95 475.25 Td ($15 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 311.34 475.25 Td ( at December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 382.14 475.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 402.14 475.25 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 421.58 475.25 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 441.58 475.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 494.24 475.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.25 Td (Pr) Tj ET Q q 0 0 0 rg BT 60.37 454.25 Td (epaid Expenses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 433.25 Td (Prepaid expenses represent advance payments for goods and services to be consumed in the future, such as maintenance, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 421.25 Td (postage and insurance, and totaled ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 189.95 421.25 Td ($158 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 241.34 421.25 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 260.78 421.25 Td ($136 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 312.17 421.25 Td ( at December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 382.97 421.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 402.97 421.25 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 422.41 421.25 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 442.41 421.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 495.07 421.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.25 Td (Settlement ) Tj ET Q q 0 0 0 rg BT 97.49 400.25 Td (Assets and Obligations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 379.25 Td (Settlement assets of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 131.93 379.25 Td ($486 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 183.32 379.25 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 202.76 379.25 Td ($385 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 254.15 379.25 Td ( were included in prepaid expenses and other current assets at December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 367.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 70.00 367.25 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 89.44 367.25 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 109.44 367.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 162.10 367.25 Td (, and settlement obligations of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 285.41 367.25 Td ($480 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 336.80 367.25 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 356.24 367.25 Td ($379 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 407.63 367.25 Td ( were included in accounts payable ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 355.25 Td (and accrued expenses at December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 207.42 355.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 227.42 355.25 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 246.86 355.25 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 266.86 355.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 319.52 355.25 Td (. Settlement assets and obligations result from timing ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 343.25 Td (dif) Tj ET Q q 0 0 0 rg BT 60.93 343.25 Td (ferences between collection and fulfillment of payment transactions primarily associated with the Company) Tj ET Q q 0 0 0 rg BT 494.68 343.25 Td (s walk-in and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 331.25 Td (expedited bill payment service businesses.Settlement assets represent cash received or amounts receivable from agents, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 319.25 Td (payment networks or directly from consumers.Settlement obligations represent amounts payable to clients and payees.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.25 Td (Pr) Tj ET Q q 0 0 0 rg BT 60.37 298.25 Td (operty and Equipment) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 277.25 Td (Property and equipment are reported at cost. Depreciation of property and equipment is computed primarily using the straight-) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 265.25 Td (line method over the shorter of the estimated useful life of the asset or the leasehold period, if applicable. Property and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 253.25 Td (equipment consisted of the following at December31:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 311.5 210.75 m 392.5 210.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 210.75 m 477.5 210.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 210.75 m 562.5 210.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 210.75 m 477.5 210.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 210.75 m 562.5 210.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 154.75 m 477.5 154.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 154.75 m 562.5 154.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 126.75 m 477.5 126.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 126.75 m 562.5 126.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 113.75 m 477.5 113.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 111.75 m 477.5 111.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 113.75 m 562.5 113.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 111.75 m 562.5 111.75 l s BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 53 213.86259765625005 m 105.509765625 213.86259765625005 l s q 0 0 0 rg BT 53.00 215.43 Td (\(In millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.80 224.48 Td (Estimated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.25 214.48 Td (UsefulLives) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.50 215.43 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 511.50 215.43 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 201.32 Td (Land) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 346.50 201.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 399.00 201.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.65 201.32 Td (10) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 484.00 201.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 201.32 Td (13) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 187.32 Td (Data processing equipment) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 328.30 187.32 Td (3to5years) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.65 187.32 Td (775) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 187.32 Td (726) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 173.32 Td (Buildings and leasehold improvements) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 325.80 173.32 Td (5to40years) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.65 173.32 Td (256) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 173.32 Td (255) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 159.32 Td (Furniture and equipment) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 328.30 159.32 Td (5 to 8 years) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.65 159.32 Td (186) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 159.32 Td (182) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.15 145.32 Td (1,227) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 145.32 Td (1,176) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 131.32 Td (Less: accumulated depreciation) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 455.30 131.37 Td (\(829) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 473.65 131.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 540.30 131.37 Td (\(786) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 131.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 117.32 Td (T) Tj ET Q q 0 0 0 rg BT 64.41 117.32 Td (otal) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 399.00 117.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.65 117.32 Td (398) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 484.00 117.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 117.32 Td (390) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 92.25 Td (Depreciation expense for all property and equipment totaled ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 293.24 92.25 Td ($92 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 339.63 92.25 Td ( in each of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 384.06 92.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 404.06 92.25 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 423.50 92.25 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 443.50 92.25 Td (, and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 465.43 92.25 Td ($90 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 511.83 92.25 Td ( in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 524.60 92.25 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 544.60 92.25 Td (.) Tj ET Q endstream endobj 99 0 obj <> endobj 100 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (47) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Intangible ) Tj ET Q q 0 0 0 rg BT 95.85 742.25 Td (Assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (Intangible assets consisted of the following at December31:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 667.75 m 380.5 667.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.5 667.75 m 471.5 667.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 667.75 m 562.5 667.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 667.75 m 380.5 667.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.5 667.75 m 471.5 667.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 667.75 m 562.5 667.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 592.75 m 380.5 592.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.5 592.75 m 471.5 592.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 592.75 m 562.5 592.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 592.75 m 380.5 592.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 578.75 m 380.5 578.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 576.75 m 380.5 576.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.5 592.75 m 471.5 592.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.5 578.75 m 471.5 578.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.5 576.75 m 471.5 576.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 578.75 m 562.5 578.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 576.75 m 562.5 576.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 528.75 m 380.5 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.5 528.75 m 471.5 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 528.75 m 562.5 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 528.75 m 380.5 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.5 528.75 m 471.5 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 528.75 m 562.5 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 453.75 m 380.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.5 453.75 m 471.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 453.75 m 562.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 453.75 m 380.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 439.75 m 380.5 439.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 437.75 m 380.5 437.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.5 453.75 m 471.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.5 439.75 m 471.5 439.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.5 437.75 m 471.5 437.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 439.75 m 562.5 439.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 437.75 m 562.5 437.75 l s BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 53 684.86259765625 m 105.509765625 684.86259765625 l s q 0 0 0 rg BT 53.00 686.43 Td (\(In millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.05 692.43 Td (Gr) Tj ET Q q 0 0 0 rg BT 336.09 692.43 Td (oss) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.75 682.43 Td (Carrying) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.95 672.43 Td (Amount) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.15 682.43 Td (Accumulated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.85 672.43 Td (Amortization) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.60 682.43 Td (Net Book) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.45 672.43 Td (V) Tj ET Q q 0 0 0 rg BT 512.75 672.43 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 672.43 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 658.32 Td (Customer related intangible assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 296.00 657.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 354.15 657.42 Td (2,642) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 387.00 657.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 445.15 657.42 Td (1,294) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 478.00 657.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 657.42 Td (1,348) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 643.32 Td (Acquired software and technology) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 361.65 642.42 Td (591) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 452.65 642.42 Td (490) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 642.42 Td (101) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 628.32 Td (T) Tj ET Q q 0 0 0 rg BT 58.93 628.32 Td (rade names) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 361.65 627.42 Td (120) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 457.65 627.42 Td (71) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 627.42 Td (49) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 613.32 Td (Capitalized software development costs) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 361.65 612.42 Td (810) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 452.65 612.42 Td (314) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 612.42 Td (496) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 598.32 Td (Purchased software) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 361.65 597.42 Td (261) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 452.65 597.42 Td (1) Tj ET Q q 0 0 0 rg BT 457.65 597.42 Td (12) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 597.42 Td (149) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 583.32 Td (T) Tj ET Q q 0 0 0 rg BT 64.76 583.32 Td (otal) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 296.00 582.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 354.15 582.42 Td (4,424) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 387.00 582.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 445.15 582.42 Td (2,281) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 478.00 582.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 582.42 Td (2,143) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 53 545.86259765625 m 105.509765625 545.86259765625 l s q 0 0 0 rg BT 53.00 547.43 Td (\(In millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.05 553.43 Td (Gr) Tj ET Q q 0 0 0 rg BT 336.09 553.43 Td (oss) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.75 543.43 Td (Carrying) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.95 533.43 Td (Amount) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.15 543.43 Td (Accumulated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.85 533.43 Td (Amortization) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.60 543.43 Td (Net Book) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.45 533.43 Td (V) Tj ET Q q 0 0 0 rg BT 512.75 533.43 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 533.43 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 519.32 Td (Customer related intangible assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 296.00 518.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 354.15 518.42 Td (2,293) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 387.00 518.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 445.15 518.42 Td (1,168) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 478.00 518.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 518.42 Td (1,125) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 504.32 Td (Acquired software and technology) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 361.65 503.42 Td (579) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 452.65 503.42 Td (460) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 503.42 Td (1) Tj ET Q q 0 0 0 rg BT 548.65 503.42 Td (19) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 489.32 Td (T) Tj ET Q q 0 0 0 rg BT 58.93 489.32 Td (rade names) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 361.65 488.42 Td (1) Tj ET Q q 0 0 0 rg BT 366.65 488.42 Td (17) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 457.65 488.42 Td (64) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 488.42 Td (53) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 474.32 Td (Capitalized software development costs) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 361.65 473.42 Td (737) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 452.65 473.42 Td (282) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 473.42 Td (455) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 459.32 Td (Purchased software) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 361.65 458.42 Td (241) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 452.65 458.42 Td (1) Tj ET Q q 0 0 0 rg BT 457.65 458.42 Td (1) Tj ET Q q 0 0 0 rg BT 462.65 458.42 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 458.42 Td (130) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 444.32 Td (T) Tj ET Q q 0 0 0 rg BT 64.41 444.32 Td (otal) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 296.00 443.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 354.15 443.42 Td (3,967) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 387.00 443.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 445.15 443.42 Td (2,085) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 478.00 443.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 443.42 Td (1,882) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 418.25 Td (Customer related intangible assets represent customer contracts and relationships obtained as part of acquired businesses and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 406.25 Td (are amortized over their estimated useful lives, generally ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 279.63 406.25 Td (ten) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 291.85 406.25 Td ( to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 304.62 406.25 Td (twenty) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 331.84 406.25 Td ( years. ) Tj ET Q q 0 0 0 rg BT 359.89 406.25 Td (Acquired software and technology represents ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 394.25 Td (software and technology intangible assets obtained as part of acquired businesses and are amortized over their estimated useful ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 382.25 Td (lives, generally ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 113.59 382.25 Td (four) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 130.25 382.25 Td ( to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 143.03 382.25 Td (eight) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 163.02 382.25 Td ( years. ) Tj ET Q q 0 0 0 rg BT 191.44 382.25 Td (T) Tj ET Q q 0 0 0 rg BT 197.20 382.25 Td (rade names are amortized over their estimated useful lives, generally ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 474.58 382.25 Td (eight) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 494.58 382.25 Td ( to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 507.35 382.25 Td (twenty) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 534.57 382.25 Td ( years. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 370.25 Td (Amortization expense for acquired intangible assets, which include customer related intangible assets, acquired software and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 358.25 Td (technology) Tj ET Q q 0 0 0 rg BT 93.78 358.25 Td (, and trade names, totaled ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 198.47 358.25 Td ($163 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 249.86 358.25 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 254.86 358.25 Td ($159 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 306.25 358.25 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 325.69 358.25 Td ($158 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 377.08 358.25 Td ( in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 389.86 358.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 409.86 358.25 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 414.86 358.25 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 434.86 358.25 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 454.30 358.25 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 474.30 358.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 526.96 358.25 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 337.25 Td (The Company continually develops, maintains and enhances its products and systems. Product development expenditures ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 325.25 Td (represented approximately ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 158.84 325.25 Td (8%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 172.17 325.25 Td ( of the Company) Tj ET Q q 0 0 0 rg BT 241.88 325.25 Td (s total revenue in each of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 344.62 325.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 364.62 325.25 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 369.62 325.25 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 389.62 325.25 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 409.06 325.25 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 429.06 325.25 Td (. Research and development ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 313.25 Td (costs incurred prior to the establishment of technological feasibility are expensed as incurred. Routine maintenance of software ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 301.25 Td (products, design costs and other development costs incurred prior to the establishment of a product) Tj ET Q q 0 0 0 rg BT 448.52 301.25 Td (s technological feasibility ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 289.25 Td (are also expensed as incurred. Costs are capitalized commencing when the technological feasibility of the software has been ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 277.25 Td (established.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 256.25 Td (Capitalized software development costs represent the capitalization of certain costs incurred to develop new software or to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 244.25 Td (enhance existing software which is marketed externally or utilized by the Company to process client transactions. Capitalized ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 232.25 Td (software development costs are amortized over their estimated useful lives, generally ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 393.21 232.25 Td (five) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 408.75 232.25 Td ( years. Gross software development ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 220.25 Td (costs capitalized for new products and enhancements to existing products totaled ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 375.74 220.25 Td ($193 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 427.13 220.25 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 432.13 220.25 Td ($159 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 483.52 220.25 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 502.96 220.25 Td ($143 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 554.35 220.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 208.25 Td (in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 60.28 208.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 80.28 208.25 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 85.28 208.25 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 105.28 208.25 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 124.72 208.25 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 144.72 208.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 197.38 208.25 Td (. ) Tj ET Q q 0 0 0 rg BT 201.83 208.25 Td (Amortization of previously capitalized software development costs that have been placed ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 196.25 Td (into service was ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 116.92 196.25 Td ($137 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 168.32 196.25 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 173.32 196.25 Td ($123 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 224.71 196.25 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 244.15 196.25 Td ($106 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 295.54 196.25 Td ( in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 308.32 196.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 328.32 196.25 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 333.32 196.25 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 353.32 196.25 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 372.75 196.25 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 392.75 196.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 445.42 196.25 Td (. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 175.25 Td (Purchased software represents software licenses purchased from third parties and is amortized over their estimated useful lives, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 163.25 Td (generally ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 89.70 163.25 Td (three) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 109.69 163.25 Td ( to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.47 163.25 Td (five) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 138.01 163.25 Td ( years. ) Tj ET Q q 0 0 0 rg BT 166.06 163.25 Td (Amortization of purchased software totaled ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 342.39 163.25 Td ($47 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 388.78 163.25 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 393.78 163.25 Td ($44 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 440.17 163.25 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 459.61 163.25 Td ($40 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 506.00 163.25 Td ( in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 518.78 163.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 538.78 163.25 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 151.25 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 70.00 151.25 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 89.44 151.25 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 109.44 151.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 162.10 151.25 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 130.25 Td (The Company estimates that annual amortization expense with respect to acquired intangible assets recorded at December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 118.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 70.00 118.25 Td ( will be approximately ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 162.75 118.25 Td ($180 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 214.15 118.25 Td ( in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 226.92 118.25 Td (2019) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 246.92 118.25 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 251.92 118.25 Td ($160 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.32 118.25 Td ( in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 316.09 118.25 Td (2020) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 336.09 118.25 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 341.09 118.25 Td ($150million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 392.49 118.25 Td ( in each of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 436.91 118.25 Td (2021) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.91 118.25 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 476.35 118.25 Td (2022) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 496.35 118.25 Td (, and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 106.25 Td ($140million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 101.39 106.25 Td ( in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 114.17 106.25 Td (2023) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 134.17 106.25 Td (. ) Tj ET Q q 0 0 0 rg BT 138.62 106.25 Td (Amortization expense with respect to capitalized and purchased software recorded at December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 539.00 106.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 559.00 106.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 94.25 Td (is estimated to approximate ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 162.75 94.25 Td ($210 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 214.14 94.25 Td ( in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 226.92 94.25 Td (2019) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 246.92 94.25 Td (.) Tj ET Q endstream endobj 101 0 obj <> endobj 102 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (48) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Goodwill) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (Goodwill represents the excess of the purchase price over the fair value of identifiable net assets acquired and liabilities ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 709.25 Td (assumed in a business combination. ) Tj ET Q q 0 0 0 rg BT 195.36 709.25 Td (The Company evaluates goodwill for impairment on an annual basis, or more frequently if ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 697.25 Td (circumstances indicate possible impairment. Goodwill is tested for impairment at a reporting unit level, determined to be at an ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 685.25 Td (operating segment level or one level below) Tj ET Q q 0 0 0 rg BT 221.51 685.25 Td (. ) Tj ET Q q 0 0 0 rg BT 226.33 685.25 Td (When reviewing goodwill for impairment, the Company considers the amount of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 673.25 Td (excess fair value over the carrying value of each reporting unit, the period of time since a reporting unit) Tj ET Q q 0 0 0 rg BT 466.79 673.25 Td (s last quantitative test, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 661.25 Td (the extent a reor) Tj ET Q q 0 0 0 rg BT 114.51 661.25 Td (ganization or disposition changes the composition of one or more of the reporting units, and other factors to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 649.25 Td (determine whether or not to first perform a qualitative test. ) Tj ET Q q 0 0 0 rg BT 287.24 649.25 Td (When performing a qualitative test, the Company assesses ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 637.25 Td (numerous factors to determine whether it is more likely than not that the fair value of its reporting units are less than their ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 625.25 Td (respective carrying values. Examples of qualitative factors that the Company assesses include its share price, its financial ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 613.25 Td (performance, market and competitive factors in its industry) Tj ET Q q 0 0 0 rg BT 286.49 613.25 Td (, and other events specific to its reporting units. If the Company ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 601.25 Td (concludes that it is more likely than not that the fair value of a reporting unit is less than its carrying value, the Company ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 589.25 Td (performs a quantitative impairment test by comparing reporting unit carrying values to estimated fair values. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 487.09 589.25 Td (No) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 499.31 589.25 Td ( impairment ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 577.25 Td (was identified in the Company) Tj ET Q q 0 0 0 rg BT 175.53 577.25 Td (s annual impairment assessment in the fourth quarter of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 400.20 577.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 420.20 577.25 Td ( as the estimated fair values of the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 565.25 Td (respective reporting units exceeded the carrying values. In addition, there is ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 355.17 565.25 Td (no) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 365.17 565.25 Td ( accumulated impairment loss through ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 553.25 Td (December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 108.58 553.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 128.58 553.25 Td (. ) Tj ET Q q 0 0 0 rg BT 133.40 553.25 Td (The changes in goodwill during ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 263.10 553.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 283.10 553.25 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 302.54 553.25 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 322.54 553.25 Td ( were as follows:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 520.75 m 384.5 520.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 520.75 m 473.5 520.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 520.75 m 562.5 520.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 520.75 m 384.5 520.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 520.75 m 473.5 520.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 520.75 m 562.5 520.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 462.75 m 384.5 462.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 462.75 m 473.5 462.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 462.75 m 562.5 462.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 462.75 m 384.5 462.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 462.75 m 473.5 462.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 462.75 m 562.5 462.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 405.75 m 384.5 405.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 405.75 m 473.5 405.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 405.75 m 562.5 405.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 405.75 m 384.5 405.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 392.75 m 384.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 390.75 m 384.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 405.75 m 473.5 405.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 392.75 m 473.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 390.75 m 473.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 405.75 m 562.5 405.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 392.75 m 562.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 390.75 m 562.5 390.75 l s BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 53 522.91259765625 m 105.509765625 522.91259765625 l s q 0 0 0 rg BT 53.00 524.48 Td (\(In millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.65 524.48 Td (Payments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.45 524.48 Td (Financial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.55 524.48 Td (T) Tj ET Q q 0 0 0 rg BT 514.30 524.48 Td (otal) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 511.32 Td (Goodwill - December31, 2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 302.00 511.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 358.15 511.32 Td (3,610) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 391.00 511.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 447.15 511.32 Td (1,763) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 480.00 511.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 511.32 Td (5,373) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 497.32 Td (Acquired goodwill) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 365.65 496.42 Td (146) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 459.65 496.42 Td (71) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 496.42 Td (217) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 482.32 Td (Disposed goodwill) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 370.65 481.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 461.30 481.47 Td (\(3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 469.65 481.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 550.30 481.47 Td (\(3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 481.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 467.32 Td (Foreign currency adjustments) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 375.65 467.32 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 464.65 467.32 Td (2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 553.65 467.32 Td (3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 453.32 Td (Goodwill - December31, 2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 358.15 452.42 Td (3,757) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 447.15 452.42 Td (1,833) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 452.42 Td (5,590) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 438.32 Td (Acquired goodwill) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 365.65 438.32 Td (240) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 464.65 438.32 Td (7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 438.32 Td (247) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 424.32 Td (Disposed goodwill) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 370.65 424.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.30 424.37 Td (\(131) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 469.65 424.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 540.30 424.37 Td (\(131) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 424.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 410.32 Td (Foreign currency adjustments) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 372.30 410.37 Td (\(1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.65 410.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 461.30 410.37 Td (\(3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 469.65 410.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 550.30 410.37 Td (\(4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 410.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 396.32 Td (Goodwill - December31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 302.00 396.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 358.15 396.32 Td (3,996) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 391.00 396.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 447.15 396.32 Td (1,706) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 480.00 396.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 396.32 Td (5,702) Tj ET Q BT /F2 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 371.25 Td (Asset Impairment) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 350.25 Td (The Company reviews property and equipment, intangible assets and its investments in unconsolidated af) Tj ET Q q 0 0 0 rg BT 471.95 350.25 Td (filiates for impairment ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 338.25 Td (whenever events or changes in circumstances indicate that the carrying amount of the asset may not be recoverable. ) Tj ET Q q 0 0 0 rg BT 514.91 338.25 Td (The ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 326.25 Td (Company reviews capitalized software development costs for impairment at each balance sheet date. Recoverability of property ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 314.25 Td (and equipment, capitalized software development costs, and other intangible assets is assessed by comparing the carrying ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 302.25 Td (amount of the asset to either the undiscounted future cash flows expected to be generated by the asset or the net realizable value ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 290.25 Td (of the asset, depending on the type of asset. ) Tj ET Q q 0 0 0 rg BT 226.16 290.25 Td (The Company) Tj ET Q q 0 0 0 rg BT 285.87 290.25 Td (s investments in unconsolidated af) Tj ET Q q 0 0 0 rg BT 423.45 290.25 Td (filiates are assessed by comparing ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 278.25 Td (the carrying amount of the investments to their estimated fair values and are impaired if any decline in fair value is determined ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 266.25 Td (to be other than temporary) Tj ET Q q 0 0 0 rg BT 155.42 266.25 Td (. Measurement of any impairment loss is based on estimated fair value.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 245.25 Td (Accounts Payable and ) Tj ET Q q 0 0 0 rg BT 146.40 245.25 Td (Accrued Expenses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 224.25 Td (Accounts payable and accrued expenses consisted of the following at December31:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 191.75 m 470.5 191.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 191.75 m 562.5 191.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 191.75 m 470.5 191.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 191.75 m 562.5 191.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 121.75 m 470.5 121.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 121.75 m 562.5 121.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 121.75 m 470.5 121.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 108.75 m 470.5 108.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 106.75 m 470.5 106.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 121.75 m 562.5 121.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 108.75 m 562.5 108.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 106.75 m 562.5 106.75 l s BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 53 193.91259765625 m 105.509765625 193.91259765625 l s q 0 0 0 rg BT 53.00 195.48 Td (\(In millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.50 195.48 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.00 195.48 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 182.32 Td (T) Tj ET Q q 0 0 0 rg BT 58.93 182.32 Td (rade accounts payable) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 386.00 182.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.65 182.32 Td (127) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 477.00 182.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 182.32 Td (80) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 168.32 Td (Client deposits) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.65 168.32 Td (564) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 168.32 Td (481) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 154.32 Td (Settlement obligations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.65 154.32 Td (480) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 154.32 Td (379) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 140.32 Td (Accrued compensation and benefits) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.65 140.32 Td (199) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 140.32 Td (198) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 126.32 Td (Other accrued expenses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.65 126.32 Td (256) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 126.32 Td (221) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 112.32 Td (T) Tj ET Q q 0 0 0 rg BT 64.41 112.32 Td (otal) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 386.00 112.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 444.15 112.32 Td (1,626) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 477.00 112.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 112.32 Td (1,359) Tj ET Q BT /F2 10.00 Tf ET endstream endobj 103 0 obj <> endobj 104 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (49) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Income ) Tj ET Q q 0 0 0 rg BT 83.98 742.25 Td (T) Tj ET Q q 0 0 0 rg BT 89.73 742.25 Td (axes) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (Deferred tax assets and liabilities are recognized for the expected future tax consequences attributable to dif) Tj ET Q q 0 0 0 rg BT 481.02 721.25 Td (ferences between ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 709.25 Td (financial statement carrying amounts of existing assets and liabilities and their respective tax basis and net operating loss and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 697.25 Td (tax credit carry-forwards. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 685.25 Td (income in the years in which those temporary dif) Tj ET Q q 0 0 0 rg BT 245.87 685.25 Td (ferences are expected to be recovered or settled. ) Tj ET Q q 0 0 0 rg BT 439.93 685.25 Td (A) Tj ET Q q 0 0 0 rg BT 446.60 685.25 Td ( valuation allowance is ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 673.25 Td (recorded against deferred tax assets if it is more-likely-than-not that some portion or all of the deferred tax assets will not be ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 661.25 Td (realized.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.25 Td (Accumulated Other) Tj ET Q q 0 0 0 rg BT 134.53 640.25 Td ( Compr) Tj ET Q q 0 0 0 rg BT 167.40 640.25 Td (ehensive Loss) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 619.25 Td (Changes in accumulated other comprehensive loss by component, net of income taxes, consisted of the following:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 565.75 m 336.5 565.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 565.75 m 411.5 565.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 565.75 m 486.5 565.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 565.75 m 562.5 565.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 565.75 m 336.5 565.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 565.75 m 411.5 565.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 565.75 m 486.5 565.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 565.75 m 562.5 565.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 510.75 m 336.5 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 510.75 m 411.5 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 510.75 m 486.5 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 510.75 m 562.5 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 510.75 m 336.5 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 510.75 m 411.5 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 510.75 m 486.5 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 510.75 m 562.5 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 445.75 m 336.5 445.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 445.75 m 411.5 445.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 445.75 m 486.5 445.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 445.75 m 562.5 445.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 445.75 m 336.5 445.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 431.75 m 336.5 431.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 429.75 m 336.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 445.75 m 411.5 445.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 431.75 m 411.5 431.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 429.75 m 411.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 445.75 m 486.5 445.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 431.75 m 486.5 431.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 429.75 m 486.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 445.75 m 562.5 445.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 431.75 m 562.5 431.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 429.75 m 562.5 429.75 l s BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 53 568.86259765625 m 105.509765625 568.86259765625 l s q 0 0 0 rg BT 53.00 570.43 Td (\(In millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 277.85 580.43 Td (Cash Flow) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 284.90 570.43 Td (Hedges) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.90 590.43 Td (For) Tj ET Q q 0 0 0 rg BT 374.27 590.43 Td (eign) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.00 580.43 Td (Curr) Tj ET Q q 0 0 0 rg BT 376.48 580.43 Td (ency) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.85 570.43 Td (T) Tj ET Q q 0 0 0 rg BT 356.78 570.43 Td (ranslation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.80 570.43 Td (Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.05 570.43 Td (T) Tj ET Q q 0 0 0 rg BT 520.80 570.43 Td (otal) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 556.32 Td (Balance at December 31, 2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 268.00 555.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 319.30 555.47 Td (\(14) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 332.65 555.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 343.00 555.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 394.30 555.47 Td (\(38) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 407.65 555.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 418.00 555.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 474.30 555.47 Td (\(2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 482.65 555.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 493.00 555.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 545.30 555.47 Td (\(54) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 555.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 541.32 Td (Other comprehensive loss before reclassifications) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.30 540.47 Td (\(5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 332.65 540.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 394.30 540.47 Td (\(1) Tj ET Q q 0 0 0 rg BT 402.63 540.47 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 407.65 540.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 472.65 540.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 545.30 540.47 Td (\(16) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 540.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 526.32 Td (Amounts reclassified from accumulated other) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 62.00 516.32 Td (comprehensive loss) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 327.65 515.42 Td (3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 397.65 515.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 472.65 515.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 553.65 515.42 Td (3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 501.32 Td (Net current-period other comprehensive loss) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.30 500.47 Td (\(2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 332.65 500.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 394.30 500.47 Td (\(1) Tj ET Q q 0 0 0 rg BT 402.63 500.47 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 407.65 500.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 472.65 500.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 545.30 500.47 Td (\(13) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 500.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 486.32 Td (Cumulative-ef) Tj ET Q q 0 0 0 rg BT 110.67 486.32 Td (fect adjustment of ) Tj ET Q q 0 0 0 rg BT 185.00 486.32 Td (ASU 2017-12) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 62.00 476.32 Td (adoption from retained earnings) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 327.65 475.42 Td (3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 397.65 475.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 472.65 475.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 553.65 475.42 Td (3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 461.32 Td (Cumulative-ef) Tj ET Q q 0 0 0 rg BT 110.58 461.32 Td (fect adjustment of ) Tj ET Q q 0 0 0 rg BT 184.72 461.32 Td (ASU 2018-02) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 62.00 451.32 Td (adoption to retained earnings) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.30 450.47 Td (\(3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 332.65 450.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 397.65 450.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 472.65 450.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 550.30 450.47 Td (\(3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 450.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 436.32 Td (Balance at December 31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 268.00 435.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 319.30 435.47 Td (\(16) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 332.65 435.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 343.00 435.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 394.30 435.47 Td (\(49) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 407.65 435.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 418.00 435.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 474.30 435.47 Td (\(2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 482.65 435.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 493.00 435.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 545.30 435.47 Td (\(67) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 435.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 377.75 m 338.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 377.75 m 412.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 377.75 m 487.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 377.75 m 562.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 377.75 m 338.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 377.75 m 412.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 377.75 m 487.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 377.75 m 562.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 312.75 m 338.5 312.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 312.75 m 412.5 312.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 312.75 m 487.5 312.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 312.75 m 562.5 312.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 297.75 m 338.5 297.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 312.75 m 412.5 312.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 297.75 m 412.5 297.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 312.75 m 487.5 312.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 297.75 m 487.5 297.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 312.75 m 562.5 312.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 297.75 m 562.5 297.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 283.75 m 338.5 283.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 281.75 m 338.5 281.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 297.75 m 412.5 297.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 283.75 m 412.5 283.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 281.75 m 412.5 281.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 297.75 m 487.5 297.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 283.75 m 487.5 283.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 281.75 m 487.5 281.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 297.75 m 562.5 297.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 283.75 m 562.5 283.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 281.75 m 562.5 281.75 l s BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 53 380.86259765625 m 105.509765625 380.86259765625 l s q 0 0 0 rg BT 53.00 382.43 Td (\(In millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.85 392.43 Td (Cash Flow) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.90 382.43 Td (Hedges) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.40 402.43 Td (For) Tj ET Q q 0 0 0 rg BT 375.77 402.43 Td (eign) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.50 392.43 Td (Curr) Tj ET Q q 0 0 0 rg BT 377.98 392.43 Td (ency) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.35 382.43 Td (T) Tj ET Q q 0 0 0 rg BT 358.28 382.43 Td (ranslation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.80 382.43 Td (Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.55 382.43 Td (T) Tj ET Q q 0 0 0 rg BT 521.30 382.43 Td (otal) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 368.32 Td (Balance at December 31, 2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 270.00 367.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 321.30 367.47 Td (\(24) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 334.65 367.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 345.00 367.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 395.30 367.47 Td (\(50) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 408.65 367.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 419.00 367.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 475.30 367.47 Td (\(2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 483.65 367.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 494.00 367.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 545.30 367.47 Td (\(76) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 367.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 353.32 Td (Other comprehensive income before) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 62.00 343.32 Td (reclassifications) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 329.65 342.42 Td (4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 398.65 342.42 Td (12) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 473.65 342.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 342.42 Td (16) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 328.32 Td (Amounts reclassified from accumulated other) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 62.00 318.32 Td (comprehensive loss) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 329.65 317.42 Td (6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 398.65 317.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 473.65 317.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 553.65 317.42 Td (6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 303.32 Td (Net current-period other comprehensive income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.65 302.42 Td (10) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 398.65 302.42 Td (12) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 473.65 302.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 302.42 Td (22) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 288.32 Td (Balance at December 31, 2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 270.00 287.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 321.30 287.47 Td (\(14) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 334.65 287.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 345.00 287.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 395.30 287.47 Td (\(38) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 408.65 287.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 419.00 287.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 475.30 287.47 Td (\(2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 483.65 287.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 494.00 287.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 545.30 287.47 Td (\(54) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 287.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 262.25 Td (Based on the amounts recorded in accumulated other comprehensive loss at ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 355.18 262.25 Td (December31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 433.76 262.25 Td (, the Company estimates that it ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 250.25 Td (will recognize approximately ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 169.68 250.25 Td ($6 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 211.07 250.25 Td ( in interest expense during the next twelve months related to settled interest rate hedge ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 238.25 Td (contracts.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 217.25 Td (The Company has entered into foreign currency forward exchange contracts, which have been designated as cash flow hedges, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 205.25 Td (to hedge foreign currency exposure to the Indian Rupee. ) Tj ET Q q 0 0 0 rg BT 277.14 205.25 Td (As of December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 360.17 205.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.17 205.25 Td (, the notional amount of these derivatives ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 193.25 Td (was ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.05 193.25 Td ($202 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 119.44 193.25 Td (, and the fair value was nominal. ) Tj ET Q q 0 0 0 rg BT 251.90 193.25 Td (As of December 31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 334.93 193.25 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 354.93 193.25 Td (, the notional amount of these derivatives was ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 540.72 193.25 Td ($150 ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 181.25 Td (million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 78.89 181.25 Td (, and the fair value totaling ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 189.13 181.25 Td ($8 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 230.52 181.25 Td ( was reported in prepaid expenses and other current assets in the consolidated ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 169.25 Td (balance sheet. Based on the amounts recorded in accumulated other comprehensive loss at ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 413.76 169.25 Td (December31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 492.34 169.25 Td (, the Company ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 157.25 Td (estimates that it will recognize losses of approximately ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 272.16 157.25 Td ($1 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 313.55 157.25 Td ( in cost of processing and services during the next twelve ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 145.25 Td (months as foreign currency forward exchange contracts settle.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.25 Td (Net Income Per) Tj ET Q q 0 0 0 rg BT 116.46 124.25 Td ( Shar) Tj ET Q q 0 0 0 rg BT 139.34 124.25 Td (e) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 103.25 Td (Net income per share in each period is calculated using actual, unrounded amounts. Basic net income per share is computed ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 91.25 Td (using the weighted-average number of common shares outstanding during the year) Tj ET Q q 0 0 0 rg BT 380.46 91.25 Td (. Diluted net income per share is computed ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 79.25 Td (using the weighted-average number of common shares and common stock equivalents outstanding during the year) Tj ET Q q 0 0 0 rg BT 506.55 79.25 Td (. Common ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 67.25 Td (stock equivalents consist of stock options and restricted stock units and are computed using the treasury stock method. In ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 537.12 67.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 557.12 67.25 Td (, ) Tj ET Q endstream endobj 105 0 obj <> endobj 106 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (50) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 70.00 742.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 89.44 742.10 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 109.44 742.10 Td (, the Company excluded ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 209.14 742.10 Td (1.1 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 253.03 742.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 258.03 742.10 Td (1.3 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.92 742.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 321.36 742.10 Td (1.6 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 365.25 742.10 Td ( weighted-average shares, respectively) Tj ET Q q 0 0 0 rg BT 518.97 742.10 Td (, from the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (calculations of common stock equivalents for anti-dilutive stock options.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 709.10 Td (The computation of shares used in calculating basic and diluted net income per share is as follows:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 676.6 m 403.5 676.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 676.6 m 482.5 676.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 676.6 m 562.5 676.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 676.6 m 403.5 676.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 676.6 m 482.5 676.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 676.6 m 562.5 676.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 638.6 m 403.5 638.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 638.6 m 562.5 638.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 638.6 m 403.5 638.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 615.6 m 403.5 615.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 613.6 m 403.5 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 638.6 m 482.5 638.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 615.6 m 482.5 615.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 613.6 m 482.5 613.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 638.6 m 562.5 638.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 615.6 m 562.5 615.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 613.6 m 562.5 613.6 l s BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 53 678.76259765625 m 105.509765625 678.76259765625 l s q 0 0 0 rg BT 53.00 680.33 Td (\(In millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.50 680.33 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.50 680.33 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.00 680.33 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 667.17 Td (W) Tj ET Q q 0 0 0 rg BT 62.04 667.17 Td (eighted-average common shares outstanding used for the) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 62.00 657.17 Td (calculation of netincome per share - basic) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 377.15 657.27 Td (405.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.15 657.27 Td (422.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 657.27 Td (440.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 643.17 Td (Common stock equivalents) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 387.15 643.17 Td (8.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 466.15 643.17 Td (9.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 546.15 643.17 Td (7.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 629.17 Td (W) Tj ET Q q 0 0 0 rg BT 61.64 629.17 Td (eighted-average common shares outstanding used for the) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 62.00 619.17 Td (calculation of netincome per share - diluted) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 377.15 619.27 Td (413.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.15 619.27 Td (431.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 619.27 Td (447.8) Tj ET Q BT /F2 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 594.10 Td (Supplemental Cash Flow Information) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 561.6 m 403.5 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 561.6 m 482.5 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 561.6 m 562.5 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 561.6 m 403.5 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 561.6 m 482.5 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 561.6 m 562.5 561.6 l s BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 53 563.76259765625 m 105.509765625 563.76259765625 l s q 0 0 0 rg BT 53.00 565.33 Td (\(In millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.50 565.33 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.50 565.33 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.00 565.33 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 552.17 Td (Interest paid) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 331.00 552.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 384.65 552.17 Td (165) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 410.00 552.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.65 552.17 Td (160) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 489.00 552.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 552.17 Td (147) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 538.17 Td (Income taxes paid) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 384.65 538.17 Td (259) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.65 538.17 Td (409) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 538.17 Td (408) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 524.17 Td (T) Tj ET Q q 0 0 0 rg BT 58.76 524.17 Td (reasury stock purchases settled after the balance sheet date) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 389.65 524.17 Td (26) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 473.65 524.17 Td (5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 524.17 Td (10) Tj ET Q BT /F2 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 499.10 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.00 499.10 Td (. Revenue Recognition) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (Revenue Recognition During the ) Tj ET Q q 0 0 0 rg BT 191.29 478.10 Td (Y) Tj ET Q q 0 0 0 rg BT 197.40 478.10 Td (ear) Tj ET Q q 0 0 0 rg BT 211.10 478.10 Td ( Ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.89 478.10 Td (December) Tj ET Q q 0 0 0 rg BT 287.02 478.10 Td (31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.52 478.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 457.10 Td (The Company adopted ) Tj ET Q q 0 0 0 rg BT 143.04 457.10 Td (ASU 2014-09, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 203.87 457.10 Td (Revenue fr) Tj ET Q q 0 0 0 rg BT 246.53 457.10 Td (om Contracts with Customers) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 365.71 457.10 Td (, and its related amendments \(collectively ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 445.10 Td (known as ASC 606\) ef) Tj ET Q q 0 0 0 rg BT 149.80 445.10 Td (fective January 1, 2018 using the modified retrospective transition approach applied to all contracts. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 433.10 Td (Therefore, the reported results for the year ended ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 248.52 433.10 Td (December31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 327.10 433.10 Td ( reflect the application of ) Tj ET Q q 0 0 0 rg BT 429.56 433.10 Td (ASC 606 while the reported ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 421.10 Td (results for the years ended ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 157.46 421.10 Td (December31, 2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 236.04 421.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 255.48 421.10 Td (December31, 2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 334.07 421.10 Td ( were not adjusted and continue to be reported under the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 409.10 Td (accounting guidance, ) Tj ET Q q 0 0 0 rg BT 136.91 409.10 Td (ASC 605, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 178.87 409.10 Td (Revenue Recognition) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 263.55 409.10 Td ( \(ASC 605\), in ef) Tj ET Q q 0 0 0 rg BT 341.41 409.10 Td (fect for the prior periods. ) Tj ET Q q 0 0 0 rg BT 443.96 409.10 Td (The cumulative impact of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 397.10 Td (adopting ) Tj ET Q q 0 0 0 rg BT 86.94 397.10 Td (ASC 606 was an increase in the opening balance of retained earnings of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 377.12 397.10 Td ($208 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 428.52 397.10 Td (, primarily related to the deferral ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 385.10 Td (of incremental sales commissions incurred in obtaining contracts in prior periods.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.10 Td (Significant ) Tj ET Q q 0 0 0 rg BT 98.07 364.10 Td (Accounting Policy) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 343.10 Td (ASC 606 outlines a single comprehensive model to use in accounting for revenue arising from contracts with customers. ) Tj ET Q q 0 0 0 rg BT 534.43 343.10 Td (The ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 331.10 Td (core principle, involving a five-step process, of the revenue model is that an entity recognizes revenue to depict the transfer of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 319.10 Td (promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 307.10 Td (in exchange for those goods or services.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (The Company generates revenue from the delivery of processing, service and product solutions. Revenue is measured based on ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (consideration specified in a contract with a customer) Tj ET Q q 0 0 0 rg BT 260.36 274.10 Td (, and excludes any amounts collected on behalf of third parties. ) Tj ET Q q 0 0 0 rg BT 515.37 274.10 Td (The ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (Company recognizes revenue when it satisfies a performance obligation by transferring control over a product or service to a ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (customer which may be at a point in time or over time.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 229.10 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 229.10 Td (axes assessed by a governmental authority that are both imposed on and concurrent with a specific revenue-producing ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 217.10 Td (transaction, that are collected by the Company from a customer) Tj ET Q q 0 0 0 rg BT 303.40 217.10 Td (, are excluded from revenue. Shipping and handling activities ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 205.10 Td (associated with outbound freight after control over a product has transferred to a customer are accounted for as a fulfillment ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 193.10 Td (activity and recognized as revenue at the point in time at which control of the goods transfers to the customer) Tj ET Q q 0 0 0 rg BT 486.25 193.10 Td (. ) Tj ET Q q 0 0 0 rg BT 490.70 193.10 Td (As a practical ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 181.10 Td (expedient, the Company does not adjust the transaction price for the ef) Tj ET Q q 0 0 0 rg BT 332.51 181.10 Td (fects of a significant financing component if, at contract ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 169.10 Td (inception, the period between customer payment and the transfer of goods or services is expected to be one year or less.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.10 Td (Natur) Tj ET Q q 0 0 0 rg BT 75.37 148.10 Td (e of Goods and Services) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 127.10 Td (The Company) Tj ET Q q 0 0 0 rg BT 109.71 127.10 Td (s operations are comprised of the Payments and Industry Products \(Payments\) segment and the Financial ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 115.10 Td (Institution Services \(Financial\) segment. ) Tj ET Q q 0 0 0 rg BT 223.01 115.10 Td (Additional information regarding the Company) Tj ET Q q 0 0 0 rg BT 415.20 115.10 Td (s business segments is included in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 103.10 Td (Note ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.94 103.10 Td (10) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.94 103.10 Td (. ) Tj ET Q q 0 0 0 rg BT 86.76 103.10 Td (The following is a description of principal activities from which the Company generates its revenue. Contracts with ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 91.10 Td (customers are evaluated on a contract-by-contract basis as contracts may include multiple types of goods and services as ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 79.10 Td (described below) Tj ET Q q 0 0 0 rg BT 114.60 79.10 Td (.) Tj ET Q endstream endobj 107 0 obj <> endobj 108 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (51) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 59.63 742.10 Td (ocessing and Services) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 721.10 Td (Processing and services revenue is generated from account- and transaction-based fees for data processing, transaction ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 709.10 Td (processing, electronic billing and payment services, electronic funds transfer and debit processing services; consulting and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 697.10 Td (professional services; and software maintenance for ongoing client support. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 676.10 Td (The Company recognizes processing and services revenues in the period in which the specific service is performed unless they ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (are not deemed distinct from other goods or services in which revenue would then be recognized as control is transferred of the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (combined goods and services. ) Tj ET Q q 0 0 0 rg BT 172.29 652.10 Td (The Company) Tj ET Q q 0 0 0 rg BT 232.00 652.10 Td (s arrangements for processing and services typically consist of an obligation to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (provide specific services to its customers on a when and if needed basis \(a stand-ready obligation\) and revenue is recognized ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (from the satisfaction of the performance obligations in the amount billable to the customer) Tj ET Q q 0 0 0 rg BT 411.29 628.10 Td (. ) Tj ET Q q 0 0 0 rg BT 416.11 628.10 Td (These services are typically ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (provided under a fixed or declining \(tier) Tj ET Q q 0 0 0 rg BT 210.30 616.10 Td (-based\) price per unit based on volume of service; however) Tj ET Q q 0 0 0 rg BT 446.75 616.10 Td (, pricing for services may ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (also be based on minimum monthly usage fees. Fees for the Company) Tj ET Q q 0 0 0 rg BT 333.28 604.10 Td (s processing and services arrangements are typically ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (billed and paid on a monthly basis.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 571.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 59.63 571.10 Td (oduct) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (Product revenue is generated from integrated print and card production sales, as well as software license sales. For software ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (license agreements that are distinct, the Company recognizes software license revenue upon delivery) Tj ET Q q 0 0 0 rg BT 452.25 538.10 Td (, assuming a contract is ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (deemed to exist. Revenue for arrangements with customers that include significant customization, modification or production ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (of software such that the software is not distinct is typically recognized over time based upon ef) Tj ET Q q 0 0 0 rg BT 433.04 514.10 Td (forts expended, such as labor ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (hours, to measure progress towards completion. For arrangements involving hosted licensed software for the customer) Tj ET Q q 0 0 0 rg BT 523.37 502.10 Td (, a ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (software element is considered present to the extent the customer has the contractual right to take possession of the software at ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (any time during the hosting period without significant penalty and it is feasible for the customer to either operate the software ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (on their own hardware or contract with another vendor to host the software. In certain instances, the Company may of) Tj ET Q q 0 0 0 rg BT 521.06 466.10 Td (fer ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (extended payment terms beyond one year on its software license sales. ) Tj ET Q q 0 0 0 rg BT 334.73 454.10 Td (T) Tj ET Q q 0 0 0 rg BT 340.14 454.10 Td (o the extent a significant financing component exists, it ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (is calculated as the dif) Tj ET Q q 0 0 0 rg BT 138.67 442.10 Td (ference between the promised consideration and the present value of the software license fees utilizing a ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (discount rate reflective of a separate financing transaction, and is recognized as interest income over the extended payment ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (period. ) Tj ET Q q 0 0 0 rg BT 80.37 418.10 Td (The cash selling price of the software license fee is recognized as revenue at the point in time when the software is ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (transferred to the customer) Tj ET Q q 0 0 0 rg BT 156.90 406.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 385.10 Td (Significant Judgments in ) Tj ET Q q 0 0 0 rg BT 158.08 385.10 Td (Application of the Guidance) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 364.10 Td (The Company uses the following methods, inputs, and assumptions in determining amounts of revenue to recognize:) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 343.10 Td (Identification of Performance Obligations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 322.10 Td (o identify its performance obligations, the Company considers all of the goods or services promised in the contract regardless ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (of whether they are explicitly stated or are implied by customary business practices. For multi-element arrangements, the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (Company accounts for individual goods or services as a separate performance obligation if they are distinct, the good or service ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (is separately identifiable from other items in the arrangement, and if a customer can benefit from it on its own or with other ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (resources that are readily available to the customer) Tj ET Q q 0 0 0 rg BT 252.41 274.10 Td (. If these criteria are not met, the promised goods or services are accounted ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (for as a combined performance obligation. Determining whether goods or services are distinct performance obligations that ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (should be accounted for separately may require significant judgment.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 229.10 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 229.10 Td (echnology or service components from third parties are frequently embedded in or combined with the Company) Tj ET Q q 0 0 0 rg BT 506.11 229.10 Td (s applications ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 217.10 Td (or service of) Tj ET Q q 0 0 0 rg BT 99.79 217.10 Td (ferings. ) Tj ET Q q 0 0 0 rg BT 132.38 217.10 Td (Whether the Company recognizes revenue based on the gross amount billed to a customer or the net ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 205.10 Td (amount retained involves judgment that depends on the relevant facts and circumstances including the level of contractual ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 193.10 Td (responsibilities and obligations for delivering solutions to end customers.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 172.10 Td (Determination of T) Tj ET Q q 0 0 0 rg BT 126.11 172.10 Td (ransaction Price) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 151.10 Td (The transaction price is determined based on the consideration to which the Company will be entitled in exchange for ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 139.10 Td (transferring products or services to the customer) Tj ET Q q 0 0 0 rg BT 242.72 139.10 Td (. ) Tj ET Q q 0 0 0 rg BT 247.54 139.10 Td (The Company includes any fixed char) Tj ET Q q 0 0 0 rg BT 399.81 139.10 Td (ges within its contracts as part of the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 127.10 Td (total transaction price. ) Tj ET Q q 0 0 0 rg BT 141.45 127.10 Td (T) Tj ET Q q 0 0 0 rg BT 146.86 127.10 Td (o the extent that variable consideration is not constrained, the Company includes an estimate of the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 115.10 Td (variable amount, as appropriate, within the total transaction price and updates its assumptions over the duration of the contract.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (Assessment of Estimates of V) Tj ET Q q 0 0 0 rg BT 165.00 94.10 Td (ariable Consideration) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 73.10 Td (Many of the Company) Tj ET Q q 0 0 0 rg BT 143.04 73.10 Td (s contracts with customers contain some component of variable consideration; however) Tj ET Q q 0 0 0 rg BT 492.54 73.10 Td (, the constraint ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 61.10 Td (will generally not result in a reduction in the estimated transaction price for most forms of variable consideration. ) Tj ET Q q 0 0 0 rg BT 506.07 61.10 Td (The ) Tj ET Q endstream endobj 109 0 obj <> endobj 110 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (52) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Company may constrain the estimated transaction price in the event of a high degree of uncertainty as to the final consideration ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (amount owed because of an extended length of time over which the fees may be adjusted.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 709.10 Td (Allocation of T) Tj ET Q q 0 0 0 rg BT 109.45 709.10 Td (ransaction Price ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 688.10 Td (The transaction price \(including any discounts\) is allocated between separate goods and services in a multi-element ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 676.10 Td (arrangement based on their relative standalone selling prices. ) Tj ET Q q 0 0 0 rg BT 296.67 676.10 Td (The standalone selling prices are determined based on the prices ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (at which the Company separately sells each good or service. For items that are not sold separately) Tj ET Q q 0 0 0 rg BT 440.62 664.10 Td (, the Company estimates the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (standalone selling prices using available information such as market conditions and internally approved pricing guidelines. In ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (instances where there are observable selling prices for professional services and support and maintenance, the Company may ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (apply the residual approach to estimate the standalone selling price of software licenses. Significant judgment may be required ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (to determine standalone selling prices for each performance obligation and whether it depicts the amount the Company expects ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (to receive in exchange for the related good or service.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 583.10 Td (Contract Modifications) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (Contract modifications occur when the Company and its customers agree to modify existing customer contracts to change the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (scope or price \(or both\) of the contract or when a customer terminates some, or all, of the existing services provided by the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (Company) Tj ET Q q 0 0 0 rg BT 88.24 538.10 Td (. ) Tj ET Q q 0 0 0 rg BT 93.06 538.10 Td (When a contract modification occurs, it requires the Company to exercise judgment to determine if the modification ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (should be accounted for as: \(i\)a separate contract, \(ii\) the termination of the original contract and creation of a new contract, or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (\(iii\) a cumulative catch up adjustment to the original contract. Further) Tj ET Q q 0 0 0 rg BT 328.68 514.10 Td (, contract modifications require the identification and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (evaluation of the performance obligations of the modified contract, including the allocation of revenue to the remaining ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (performance obligations and the period of recognition for each identified performance obligation.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 469.10 Td (Revenue Recognition During the ) Tj ET Q q 0 0 0 rg BT 191.29 469.10 Td (Y) Tj ET Q q 0 0 0 rg BT 197.40 469.10 Td (ears Ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.96 469.10 Td (December) Tj ET Q q 0 0 0 rg BT 291.09 469.10 Td (31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.59 469.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.71 469.10 Td (December) Tj ET Q q 0 0 0 rg BT 392.84 469.10 Td (31, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.34 469.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 448.10 Td (The Company generates revenue from the delivery of processing, service and product solutions. Revenue is recognized when ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 436.10 Td (written contracts are signed, delivery has occurred, the fees are fixed or determinable, and collectibility is reasonably assured.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 415.10 Td (Processing and services revenue is recognized as services are provided and is primarily derived from contracts that generate ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 403.10 Td (account- and transaction-based fees for data processing, transaction processing, electronic billing and payment services, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 391.10 Td (electronic funds transfer and debit processing services. In addition, processing and services revenue is derived from the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 379.10 Td (fulfillment of professional services, including consulting activities. Certain of the Company) Tj ET Q q 0 0 0 rg BT 419.37 379.10 Td (s revenue is generated from ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 367.10 Td (multiple element arrangements involving various combinations of product and service deliverables. ) Tj ET Q q 0 0 0 rg BT 450.26 367.10 Td (The deliverables within ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 355.10 Td (these arrangements are evaluated at contract inception to determine whether they represent separate units of accounting, and if ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 343.10 Td (so, contract consideration is allocated to each deliverable based on relative selling price. ) Tj ET Q q 0 0 0 rg BT 404.96 343.10 Td (The relative selling price is determined ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 331.10 Td (using vendor specific objective evidence of fair value, third-party evidence or best estimate of selling price. Revenue is then ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 319.10 Td (recognized in accordance with the appropriate revenue recognition guidance applicable to the respective elements. ) Tj ET Q q 0 0 0 rg BT 509.52 319.10 Td (Also ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 307.10 Td (included in processing and services revenue is software maintenance fee revenue for ongoing client support, which is ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 295.10 Td (recognized ratably over the term of the applicable support period, generally 12 months. Contract liabilities consist primarily of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 283.10 Td (advance cash receipts for services \(deferred revenue\) and are recognized as revenue when the services are provided.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (Product revenue is primarily derived from integrated print and card production sales, as well as software license sales which ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (represented less than ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 135.80 250.10 Td (4%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 149.13 250.10 Td ( of consolidated revenue. For software license agreements that do not require significant customization ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (or modification, the Company recognizes software license revenue upon delivery) Tj ET Q q 0 0 0 rg BT 374.24 238.10 Td (, assuming persuasive evidence of an ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (arrangement exists, the license fee is fixed or determinable, and collection is reasonably assured. ) Tj ET Q q 0 0 0 rg BT 438.47 226.10 Td (Arrangements with customers ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (that include significant customization, modification or production of software are accounted for under contract accounting, with ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (revenue recognized using the percentage-of-completion method based upon ef) Tj ET Q q 0 0 0 rg BT 363.03 202.10 Td (forts expended, such as labor hours, to measure ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (progress towards completion. Changes in estimates for revenues, costs and profits are recognized in the period in which they ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (are determinable and were not material for any period presented.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 157.10 Td (The Company includes reimbursements from clients, such as postage and telecommunication costs, in processing and services ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 145.10 Td (revenue and product revenue, while the related costs are included in cost of processing and services and cost of product.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.10 Td (Disaggr) Tj ET Q q 0 0 0 rg BT 83.15 124.10 Td (egation of Revenue) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 103.10 Td (The table below present the Company) Tj ET Q q 0 0 0 rg BT 204.68 103.10 Td (s revenue disaggregated by major business, including a reconciliation with its reportable ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 91.10 Td (segments. Most of the Company) Tj ET Q q 0 0 0 rg BT 184.99 91.10 Td (s revenue is earned domestically within these major businesses with revenue from clients ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 79.10 Td (outside the United States comprising approximately ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 259.96 79.10 Td (6%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 273.29 79.10 Td ( of total revenue.) Tj ET Q endstream endobj 111 0 obj <> endobj 112 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (53) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 733.5 m 332.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 733.5 m 336.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 733.5 m 408.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 733.5 m 412.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 733.5 m 485.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 733.5 m 489.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 733.5 m 562.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 710.5 m 332.5 710.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 710.5 m 408.5 710.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 710.5 m 485.5 710.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 710.5 m 562.5 710.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 646.5 m 332.5 646.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 631.5 m 332.5 631.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 646.5 m 408.5 646.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 631.5 m 408.5 631.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 646.5 m 485.5 646.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 631.5 m 485.5 631.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 646.5 m 562.5 646.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 631.5 m 562.5 631.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 586.5 m 332.5 586.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 586.5 m 408.5 586.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 586.5 m 485.5 586.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 586.5 m 562.5 586.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 571.5 m 332.5 571.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 571.5 m 408.5 571.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 571.5 m 485.5 571.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 571.5 m 562.5 571.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 556.5 m 332.5 556.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 542.5 m 332.5 542.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 540.5 m 332.5 540.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 556.5 m 408.5 556.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 542.5 m 408.5 542.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 540.5 m 408.5 540.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 556.5 m 485.5 556.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 542.5 m 485.5 542.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 540.5 m 485.5 540.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 556.5 m 562.5 556.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 542.5 m 562.5 542.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 540.5 m 562.5 540.5 l s BT /F1 8.00 Tf ET 0 0 0 RG /GS0 gs 0.76 w 0 i [] 0 d 1 J 1 j 3 M 53 736.480078125 m 95.0078125 736.480078125 l s q 0 0 0 rg BT 53.00 737.73 Td (\(In millions\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.60 737.95 Td (Reportable Segments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 715.18 Td (Y) Tj ET Q q 0 0 0 rg BT 59.67 715.18 Td (ear) Tj ET Q q 0 0 0 rg BT 72.90 715.18 Td ( Ended December) Tj ET Q q 0 0 0 rg BT 148.82 715.18 Td ( 31, 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.75 714.95 Td (Payments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.95 714.95 Td (Financial) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.50 723.95 Td (Corporate ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.70 714.95 Td (and Other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.65 714.95 Td (T) Tj ET Q q 0 0 0 rg BT 520.83 714.95 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 696.18 Td (Major) Tj ET Q q 0 0 0 rg BT 80.03 696.18 Td ( Business) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 681.17 Td (Digital Money Movement) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 262.00 681.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 306.15 681.17 Td (1,460) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 339.00 681.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 394.65 681.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 415.00 681.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 471.65 681.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 492.00 681.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 681.17 Td (1,460) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 666.17 Td (Card and Related Services) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 306.15 666.17 Td (1,682) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 394.65 666.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 471.65 666.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 666.17 Td (1,682) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 651.17 Td (Other) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 313.65 651.17 Td (325) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 394.65 651.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 471.65 651.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 651.17 Td (325) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 65.00 636.17 Td (T) Tj ET Q q 0 0 0 rg BT 70.76 636.17 Td (otal Payments) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 306.15 636.17 Td (3,467) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 394.65 636.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 471.65 636.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 636.17 Td (3,467) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 621.17 Td (Account and Item Processing) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 318.65 621.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 382.15 621.17 Td (2,094) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 471.65 621.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 621.17 Td (2,094) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 606.17 Td (Lending Solutions) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 318.65 606.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 394.65 606.17 Td (54) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 471.65 606.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 606.17 Td (54) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 591.17 Td (Other) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 318.65 591.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 389.65 591.17 Td (247) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 471.65 591.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 591.17 Td (247) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 65.00 576.17 Td (T) Tj ET Q q 0 0 0 rg BT 70.76 576.17 Td (otal Financial) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 318.65 576.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 382.15 576.17 Td (2,395) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 471.65 576.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 576.17 Td (2,395) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 561.17 Td (Corporate and Other) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 318.65 561.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 394.65 561.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.30 561.22 Td (\(39) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 481.65 561.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 545.30 561.22 Td (\(39) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 561.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 65.00 546.17 Td (T) Tj ET Q q 0 0 0 rg BT 70.41 546.17 Td (otal Revenue) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 262.00 546.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 306.15 546.17 Td (3,467) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 339.00 546.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 382.15 546.17 Td (2,395) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 415.00 546.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.30 546.22 Td (\(39) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 481.65 546.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 492.00 546.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 546.17 Td (5,823) Tj ET Q BT /F2 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 521.00 Td (Contract Balances) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 500.00 Td (The following table provides information about contract assets and contract liabilities from contracts with customers.) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 461.5 m 472.5 461.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 461.5 m 562.5 461.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 461.5 m 472.5 461.5 l s BT /F1 8.00 Tf ET 0 0 0 RG /GS0 gs 0.76 w 0 i [] 0 d 1 J 1 j 3 M 53 464.480078125 m 95.0078125 464.480078125 l s q 0 0 0 rg BT 53.00 465.73 Td (\(In millions\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.70 465.95 Td (December) Tj ET Q q 0 0 0 rg BT 431.59 465.95 Td ( 31, 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.35 465.95 Td (January 1, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 451.17 Td (Contract assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 389.00 451.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.65 451.17 Td (171) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 479.00 451.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 451.17 Td (158) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 436.17 Td (Contract liabilities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.65 436.17 Td (469) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 436.17 Td (520) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 411.00 Td (Contract assets, reported within other long-term assets in the consolidated balance sheet, primarily result from revenue being ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 399.00 Td (recognized where payment is contingent upon the transfer of services to a customer over the contractual period. Contract ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 387.00 Td (liabilities primarily relate to advance consideration received from customers \(deferred revenue\) for which transfer of control ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 375.00 Td (occurs, and therefore revenue is recognized, as services are provided. Contract balances are reported in a net contract asset or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 363.00 Td (liability position on a contract-by-contract basis at the end of each reporting period.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 342.00 Td (During the year ended ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 141.63 342.00 Td (December31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 220.21 342.00 Td (, contract liabilities decreased primarily due to the recognition of deferred ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 330.00 Td (termination fee revenue. ) Tj ET Q q 0 0 0 rg BT 149.77 330.00 Td (The Company recognized ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 255.57 330.00 Td ($450 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 306.96 330.00 Td ( of revenue during the year ended ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 443.84 330.00 Td (December31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 522.43 330.00 Td ( that was ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 318.00 Td (included in the contract liability balance at the beginning of the period, which exceeded advance cash receipts for services yet ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 306.00 Td (to be provided.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 285.00 Td (T) Tj ET Q q 0 0 0 rg BT 55.93 285.00 Td (ransaction Price ) Tj ET Q q 0 0 0 rg BT 127.58 285.00 Td (Allocated to Remaining Performance Obligations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 264.00 Td (The following table includes estimated revenue expected to be recognized in the future related to performance obligations that ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 252.00 Td (are unsatisfied \(or partially unsatisfied\) at the end of the reporting period.) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 217.5 203.5 m 283.5 203.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 203.5 m 353.5 203.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 203.5 m 422.5 203.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 203.5 m 492.5 203.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 203.5 m 562.5 203.5 l s BT /F1 8.00 Tf ET 0 0 0 RG /GS0 gs 0.76 w 0 i [] 0 d 1 J 1 j 3 M 53 220.48007812499998 m 95.0078125 220.48007812499998 l s q 0 0 0 rg BT 53.00 221.73 Td (\(In millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 208.18 Td (December) Tj ET Q q 0 0 0 rg BT 96.13 208.18 Td ( 31, 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 241.00 207.95 Td (2019) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.00 207.95 Td (2020) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.50 207.95 Td (2021) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 207.95 Td (2022) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.40 207.95 Td (Ther) Tj ET Q q 0 0 0 rg BT 527.23 207.95 Td (eafter) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 193.17 Td (Processing and services) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 220.00 193.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 257.15 193.17 Td (1,061) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 290.00 193.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 334.65 193.17 Td (836) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 360.00 193.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 403.65 193.17 Td (678) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 429.00 193.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 473.65 193.17 Td (480) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 499.00 193.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 193.17 Td (566) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 178.17 Td (Product) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 269.65 178.17 Td (38) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 339.65 178.17 Td (30) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 408.65 178.17 Td (20) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 478.65 178.17 Td (13) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 553.65 178.17 Td (9) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 153.00 Td (The Company applies the optional exemption in paragraph 606-10-50-14\(b\) and does not disclose information about remaining ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 141.00 Td (performance obligations for account- and transaction-based processing fees that qualify for recognition in accordance with ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 129.00 Td (paragraph 606-10-55-18. ) Tj ET Q q 0 0 0 rg BT 152.29 129.00 Td (These contracts generally have terms of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 313.88 129.00 Td (three) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 333.87 129.00 Td ( to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 346.65 129.00 Td (five) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 362.19 129.00 Td ( years, and contain variable consideration for ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 117.00 Td (stand-ready performance obligations for which the exact quantity and mix of transactions to be processed are contingent upon ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 105.00 Td (the customer) Tj ET Q q 0 0 0 rg BT 101.74 105.00 Td () Tj ET Q q 0 0 0 rg BT 104.52 105.00 Td (s request. ) Tj ET Q q 0 0 0 rg BT 144.61 105.00 Td (The Company also applies the optional exemptions in paragraph 606-10-50-14A) Tj ET Q q 0 0 0 rg BT 466.48 105.00 Td ( and does not disclose ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 93.00 Td (information for variable consideration, including additional seat licenses, that is a sales-based or usage-based royalty promised ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 81.00 Td (in exchange for a license of intellectual property or that is allocated entirely to a wholly unsatisfied performance obligation or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 69.00 Td (to a wholly unsatisfied promise to transfer a distinct good or service in a series. ) Tj ET Q q 0 0 0 rg BT 369.18 69.00 Td (The amounts disclosed above as remaining ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 57.00 Td (performance obligations consist primarily of fixed or monthly minimum processing fees and maintenance fees under contracts ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 45.00 Td (with an original expected duration of greater than one year) Tj ET Q q 0 0 0 rg BT 284.07 45.00 Td (.) Tj ET Q endstream endobj 113 0 obj <> endobj 114 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (54) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Contract Costs) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (The Company incurs incremental costs to obtain a contract as well as costs to fulfill contracts with customers that are expected ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 709.25 Td (to be recovered. ) Tj ET Q q 0 0 0 rg BT 116.45 709.25 Td (These costs consist primarily of sales commissions incurred only if a contract is obtained, and customer ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 697.25 Td (conversion or implementation related costs. Capitalized sales commissions and conversion or implementation costs totaled ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 685.25 Td ($322 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 101.39 685.25 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 120.83 685.25 Td ($97 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 167.22 685.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 219.88 685.25 Td (, at ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 234.60 685.25 Td (December31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 313.18 685.25 Td (. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 664.25 Td (Capitalized contract costs are amortized based on the transfer of goods or services to which the asset relates. ) Tj ET Q q 0 0 0 rg BT 485.49 664.25 Td (The amortization ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 652.25 Td (period also considers expected customer lives and whether the asset relates to goods or services transferred under a specific ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 640.25 Td (anticipated contract. ) Tj ET Q q 0 0 0 rg BT 133.39 640.25 Td (These costs are primarily included in selling, general and administrative expenses and totaled ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 509.38 640.25 Td ($106 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 560.77 640.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 628.25 Td (during the year ended ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 139.41 628.25 Td (December31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 217.99 628.25 Td (. Impairment losses recognized during the year ended ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 434.31 628.25 Td (December31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 512.89 628.25 Td ( related to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 616.25 Td (capitalized contract costs were not significant.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 595.25 Td (Change in ) Tj ET Q q 0 0 0 rg BT 95.57 595.25 Td (Accounting Policy) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 574.25 Td (Except for the changes below) Tj ET Q q 0 0 0 rg BT 167.64 574.25 Td (, the Company has consistently applied the accounting policies to all periods presented in its ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td (consolidated financial statements. ) Tj ET Q q 0 0 0 rg BT 187.55 562.25 Td (The details of the significant changes and quantitative impact of the changes are disclosed ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 550.25 Td (below) Tj ET Q q 0 0 0 rg BT 73.79 550.25 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 529.25 Td (Sales Commissions) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 508.25 Td (The Company previously recognized sales commission fees related to contracts with customers as selling expenses when ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 496.25 Td (incurred. Under ) Tj ET Q q 0 0 0 rg BT 115.25 496.25 Td (ASC 606, the Company capitalizes incremental sales commission fees as costs of obtaining a contract and, if ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 484.25 Td (expected to be recovered, amortizes such costs using a portfolio approach consistent with the pattern of transfer of the good or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 472.25 Td (service to which the asset relates.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 451.25 Td (T) Tj ET Q q 0 0 0 rg BT 54.64 451.25 Td (ermination Fees) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 430.25 Td (The Company previously recognized customer contract termination fees at a point in time upon deconversion or receipt of a ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 418.25 Td (non-refundable cash payment. Under ) Tj ET Q q 0 0 0 rg BT 200.22 418.25 Td (ASC 606, a contract termination is considered a contract modification and therefore the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 406.25 Td (Company recognizes contract termination fees under the new standard over the remaining modified contract term.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 385.25 Td (Contract ) Tj ET Q q 0 0 0 rg BT 87.88 385.25 Td (Assets and Liabilities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 364.25 Td (The Company previously presented customer incentives and deferred revenue on a gross basis within its consolidated balance ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 352.25 Td (sheet. Under ) Tj ET Q q 0 0 0 rg BT 102.49 352.25 Td (ASC 606, the Company reports net contract asset or liability positions on a contract-by-contract basis at the end of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 340.25 Td (each reporting period.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 319.25 Td (Impacts on Financial Statements) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 298.25 Td (The following tables summarize the impacts of ) Tj ET Q q 0 0 0 rg BT 240.23 298.25 Td (ASC 606 adoption on the Company) Tj ET Q q 0 0 0 rg BT 386.06 298.25 Td (s consolidated financial statements as of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 286.25 Td (and for the year ended ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 141.90 286.25 Td (December31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 220.48 286.25 Td (.) Tj ET Q endstream endobj 115 0 obj <> endobj 116 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (55) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Consolidated Statement of Income) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 707.75 m 395.5 707.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 707.75 m 399.5 707.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 707.75 m 477.5 707.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 707.75 m 481.5 707.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 707.75 m 560.5 707.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 675.75 m 395.5 675.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 675.75 m 477.5 675.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 675.75 m 560.5 675.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 630.75 m 395.5 630.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 630.75 m 477.5 630.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 630.75 m 560.5 630.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 615.75 m 395.5 615.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 615.75 m 477.5 615.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 630.75 m 560.5 630.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 615.75 m 560.5 615.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 540.75 m 395.5 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 540.75 m 477.5 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 540.75 m 560.5 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 525.75 m 395.5 525.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 525.75 m 477.5 525.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 540.75 m 560.5 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 525.75 m 560.5 525.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 465.75 m 395.5 465.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 465.75 m 477.5 465.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 465.75 m 560.5 465.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 410.75 m 477.5 410.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 410.75 m 560.5 410.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 410.75 m 395.5 410.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 396.75 m 395.5 396.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 394.75 m 395.5 394.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 410.75 m 477.5 410.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 396.75 m 477.5 396.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 394.75 m 477.5 394.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 410.75 m 560.5 410.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 396.75 m 560.5 396.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 394.75 m 560.5 394.75 l s BT /F1 8.00 Tf ET 0 0 0 RG /GS0 gs 0.76 w 0 i [] 0 d 1 J 1 j 3 M 53 710.730078125 m 95.0078125 710.730078125 l s q 0 0 0 rg BT 53.00 711.98 Td (\(In millions\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.60 712.20 Td (Impact of changes in accounting policies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 680.43 Td (Y) Tj ET Q q 0 0 0 rg BT 59.11 680.43 Td (ear) Tj ET Q q 0 0 0 rg BT 72.81 680.43 Td ( Ended December) Tj ET Q q 0 0 0 rg BT 148.73 680.43 Td ( 31, 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.70 680.20 Td (As r) Tj ET Q q 0 0 0 rg BT 348.87 680.20 Td (eported) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.45 680.20 Td (Adjustments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.60 698.20 Td (Balances without) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.70 689.20 Td (adoption of ) Tj ET Q q 0 0 0 rg BT 534.21 689.20 Td (ASC) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.75 680.20 Td (606) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 665.42 Td (Revenue:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 650.42 Td (Processing and services) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 319.00 650.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 369.15 650.42 Td (4,975) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 402.00 650.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 460.30 650.47 Td (\(26) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 473.65 650.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 484.00 650.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 534.15 650.42 Td (4,949) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 635.42 Td (Product) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 376.65 635.42 Td (848) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 460.30 635.47 Td (\(24) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 473.65 635.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 541.65 635.42 Td (824) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 89.00 620.42 Td (T) Tj ET Q q 0 0 0 rg BT 94.76 620.42 Td (otal revenue) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 369.15 620.42 Td (5,823) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 460.30 620.47 Td (\(50) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 473.65 620.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 534.15 620.42 Td (5,773) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 605.42 Td (Expenses:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 590.42 Td (Cost of processing and services) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 369.15 590.42 Td (2,324) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.65 590.42 Td (3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 534.15 590.42 Td (2,327) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 575.42 Td (Cost of product) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 376.65 575.42 Td (745) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 465.30 575.47 Td (\(2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 473.65 575.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 541.65 575.42 Td (743) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 560.42 Td (Selling, general and administrative) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 369.15 560.42 Td (1,228) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.65 560.42 Td (16) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 534.15 560.42 Td (1,244) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 545.42 Td (Gain on sale of business) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 373.30 545.47 Td (\(227) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 391.65 545.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 465.30 545.47 Td (\(3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 473.65 545.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 538.30 545.47 Td (\(230) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 556.65 545.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 89.00 530.42 Td (T) Tj ET Q q 0 0 0 rg BT 94.41 530.42 Td (otal expenses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 369.15 530.42 Td (4,070) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.65 530.42 Td (14) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 534.15 530.42 Td (4,084) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 515.42 Td (Operating income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 369.15 515.42 Td (1,753) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 460.30 515.47 Td (\(64) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 473.65 515.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 534.15 515.42 Td (1,689) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 500.42 Td (Interest expense) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 373.30 500.47 Td (\(193) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 391.65 500.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.65 500.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 538.30 500.47 Td (\(193) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 556.65 500.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 485.42 Td (Loss on early debt extinguishment) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 378.30 485.47 Td (\(14) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 391.65 485.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.65 485.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.30 485.47 Td (\(14) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 556.65 485.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 470.42 Td (Non-operating income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 386.65 470.42 Td (9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 465.30 470.47 Td (\(1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 473.65 470.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 551.65 470.42 Td (8) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 455.42 Td (Income before income taxes and income from investments in) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 445.42 Td (unconsolidated af) Tj ET Q q 0 0 0 rg BT 141.63 445.42 Td (filiates) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 369.15 445.42 Td (1,555) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 460.30 445.47 Td (\(65) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 473.65 445.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 534.15 445.42 Td (1,490) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 430.42 Td (Income tax provision) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 373.30 430.47 Td (\(378) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 391.65 430.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.65 430.42 Td (14) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 538.30 430.47 Td (\(364) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 556.65 430.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 415.42 Td (Income from investments in unconsolidated af) Tj ET Q q 0 0 0 rg BT 238.70 415.42 Td (filiates) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.65 415.42 Td (10) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.65 415.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 546.65 415.42 Td (10) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 400.42 Td (Net income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 319.00 400.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 369.15 400.42 Td (1,187) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 402.00 400.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 460.30 400.47 Td (\(51) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 473.65 400.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 484.00 400.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 534.15 400.42 Td (1,136) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 370.42 Td (Net income per sharebasic) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 319.00 370.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 374.15 370.42 Td (2.93) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 402.00 370.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 452.80 370.47 Td (\(0.13) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 473.65 370.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 484.00 370.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 539.15 370.42 Td (2.80) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 355.42 Td (Net income per sharediluted) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 319.00 355.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 374.15 355.42 Td (2.87) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 402.00 355.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 452.80 355.47 Td (\(0.12) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 473.65 355.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 484.00 355.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 539.15 355.42 Td (2.75) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 325.42 Td (Shares used in computing net income per share:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 65.00 310.42 Td (Basic) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 369.15 310.42 Td (405.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.65 310.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 534.15 310.42 Td (405.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 65.00 295.42 Td (Diluted) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 369.15 295.42 Td (413.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.65 295.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 534.15 295.42 Td (413.7) Tj ET Q BT /F2 10.00 Tf ET endstream endobj 117 0 obj <> endobj 118 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (56) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 108.62 742.25 Td (Statement ) Tj ET Q q 0 0 0 rg BT 154.44 742.25 Td (of ) Tj ET Q q 0 0 0 rg BT 165.27 742.25 Td (Compr) Tj ET Q q 0 0 0 rg BT 195.64 742.25 Td (ehensive ) Tj ET Q q 0 0 0 rg BT 234.25 742.25 Td (Income ) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 704.75 m 395.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 704.75 m 399.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 704.75 m 477.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 704.75 m 481.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 704.75 m 560.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 672.75 m 395.5 672.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 672.75 m 477.5 672.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 672.75 m 560.5 672.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 532.75 m 395.5 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 532.75 m 477.5 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 532.75 m 560.5 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 532.75 m 395.5 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 517.75 m 395.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 532.75 m 477.5 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 517.75 m 477.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 532.75 m 560.5 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 517.75 m 560.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 503.75 m 395.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 501.75 m 395.5 501.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 503.75 m 477.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 501.75 m 477.5 501.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 503.75 m 560.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 501.75 m 560.5 501.75 l s BT /F1 8.00 Tf ET 0 0 0 RG /GS0 gs 0.76 w 0 i [] 0 d 1 J 1 j 3 M 53 707.730078125 m 95.0078125 707.730078125 l s q 0 0 0 rg BT 53.00 708.98 Td (\(In millions\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.60 709.20 Td (Impact of changes in accounting policies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 677.43 Td (Y) Tj ET Q q 0 0 0 rg BT 59.11 677.43 Td (ear) Tj ET Q q 0 0 0 rg BT 72.81 677.43 Td ( Ended December) Tj ET Q q 0 0 0 rg BT 148.73 677.43 Td ( 31, 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.70 677.20 Td (As r) Tj ET Q q 0 0 0 rg BT 348.87 677.20 Td (eported) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.45 677.20 Td (Adjustments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.60 695.20 Td (Balances without) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.70 686.20 Td (adoption of ) Tj ET Q q 0 0 0 rg BT 534.21 686.20 Td (ASC) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.75 677.20 Td (606) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 663.32 Td (Net income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 319.00 662.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 369.15 662.42 Td (1,187) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 402.00 662.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 460.30 662.47 Td (\(51) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 473.65 662.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 484.00 662.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 534.15 662.42 Td (1,136) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 648.32 Td (Other comprehensive \(loss\) income:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 633.32 Td (Fair market value adjustment on cash flow hedges, net of) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 84.50 623.32 Td (income tax benefit of $2 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 383.30 622.47 Td (\(5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 391.65 622.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.65 622.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.30 622.47 Td (\(5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 556.65 622.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 608.32 Td (Reclassification adjustment for net realized gains on cash) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 84.50 598.32 Td (flow hedges included in cost of processing and services,) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 84.50 588.32 Td (net of income tax benefit of $0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 383.30 587.47 Td (\(1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 391.65 587.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.65 587.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.30 587.47 Td (\(1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 556.65 587.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 573.32 Td (Reclassification adjustment for net realized losses on cash) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 84.50 563.32 Td (flow hedges included in interest expense, net of income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 84.50 553.32 Td (tax provision of $2 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 386.65 552.42 Td (4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.65 552.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 551.65 552.42 Td (4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 538.32 Td (Foreign currency translation) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 378.30 537.47 Td (\(1) Tj ET Q q 0 0 0 rg BT 386.63 537.47 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 391.65 537.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.65 537.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.30 537.47 Td (\(1) Tj ET Q q 0 0 0 rg BT 551.63 537.47 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 556.65 537.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 83.00 523.32 Td (T) Tj ET Q q 0 0 0 rg BT 88.41 523.32 Td (otal other comprehensive loss) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 378.30 522.47 Td (\(13) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 391.65 522.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.65 522.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.30 522.47 Td (\(13) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 556.65 522.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 508.32 Td (Comprehensive income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 319.00 507.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 369.15 507.42 Td (1,174) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 402.00 507.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 460.30 507.47 Td (\(51) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 473.65 507.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 484.00 507.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 534.15 507.42 Td (1,123) Tj ET Q BT /F2 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 470.25 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 108.62 470.25 Td (Balance ) Tj ET Q q 0 0 0 rg BT 145.01 470.25 Td (Sheet) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 435.75 m 393.5 435.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 435.75 m 397.5 435.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 435.75 m 477.5 435.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 435.75 m 481.5 435.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 435.75 m 561.5 435.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 402.75 m 393.5 402.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 402.75 m 477.5 402.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 402.75 m 561.5 402.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 342.75 m 393.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 342.75 m 477.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 342.75 m 561.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 252.75 m 393.5 252.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 238.75 m 393.5 238.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 236.75 m 393.5 236.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 252.75 m 477.5 252.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 238.75 m 477.5 238.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 236.75 m 477.5 236.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 252.75 m 561.5 252.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 238.75 m 561.5 238.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 236.75 m 561.5 236.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 177.75 m 393.5 177.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 177.75 m 477.5 177.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 177.75 m 561.5 177.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 102.75 m 393.5 102.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 102.75 m 477.5 102.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 102.75 m 561.5 102.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 72.75 m 393.5 72.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 58.75 m 393.5 58.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 56.75 m 393.5 56.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 72.75 m 477.5 72.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 58.75 m 477.5 58.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 56.75 m 477.5 56.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 72.75 m 561.5 72.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 58.75 m 561.5 58.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 56.75 m 561.5 56.75 l s BT /F1 8.00 Tf ET 0 0 0 RG /GS0 gs 0.76 w 0 i [] 0 d 1 J 1 j 3 M 52 438.730078125 m 94.0078125 438.730078125 l s q 0 0 0 rg BT 52.00 439.98 Td (\(In millions\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.60 440.20 Td (Impact of changes in accounting policies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 407.43 Td (December) Tj ET Q q 0 0 0 rg BT 95.13 407.43 Td ( 31, 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 330.20 407.20 Td (As r) Tj ET Q q 0 0 0 rg BT 346.37 407.20 Td (eported) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.45 407.20 Td (Adjustments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.10 425.20 Td (Balances without) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.20 416.20 Td (adoption of ) Tj ET Q q 0 0 0 rg BT 534.71 416.20 Td (ASC) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.25 407.20 Td (606) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 392.98 Td (Assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.00 377.87 Td (Cash and cash equivalents) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 316.00 377.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 374.65 377.42 Td (415) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 400.00 377.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.65 377.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 484.00 377.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 542.65 377.42 Td (415) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.00 362.87 Td (T) Tj ET Q q 0 0 0 rg BT 57.93 362.87 Td (rade accounts receivable, less allowance for doubtful accounts) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 367.15 362.42 Td (1,049) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 460.30 362.47 Td (\(1) Tj ET Q q 0 0 0 rg BT 468.63 362.47 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 473.65 362.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 535.15 362.42 Td (1,038) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.00 347.87 Td (Prepaid expenses and other current assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 374.65 347.42 Td (760) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.65 347.42 Td (19) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 542.65 347.42 Td (779) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 70.00 332.87 Td (T) Tj ET Q q 0 0 0 rg BT 75.76 332.87 Td (otal current assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 367.15 332.42 Td (2,224) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.65 332.42 Td (8) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 535.15 332.42 Td (2,232) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.00 317.87 Td (Property and equipment, net) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 374.65 317.42 Td (398) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.65 317.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 542.65 317.42 Td (398) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.00 302.87 Td (Intangible assets, net) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 367.15 302.42 Td (2,143) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.65 302.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 535.15 302.42 Td (2,143) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.00 287.87 Td (Goodwill) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 367.15 287.42 Td (5,702) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.65 287.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 535.15 287.42 Td (5,702) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.00 272.87 Td (Contract costs, net) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 374.65 272.42 Td (419) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 455.30 272.47 Td (\(339) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 473.65 272.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 547.65 272.42 Td (80) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.00 257.87 Td (Other long-term assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 374.65 257.42 Td (376) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.65 257.42 Td (102) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 542.65 257.42 Td (478) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 70.00 242.87 Td (T) Tj ET Q q 0 0 0 rg BT 75.76 242.87 Td (otal assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 316.00 242.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 362.15 242.42 Td (1) Tj ET Q q 0 0 0 rg BT 367.15 242.42 Td (1,262) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 400.00 242.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 455.30 242.47 Td (\(229) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 473.65 242.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 484.00 242.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 530.15 242.42 Td (1) Tj ET Q q 0 0 0 rg BT 535.15 242.42 Td (1,033) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 227.98 Td (Liabilities and Shar) Tj ET Q q 0 0 0 rg BT 136.29 227.98 Td (eholders) Tj ET Q q 0 0 0 rg BT 174.98 227.98 Td ( Equity) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.00 212.87 Td (Accounts payable and accrued expenses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 316.00 212.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 367.15 212.42 Td (1,626) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 400.00 212.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 460.30 212.47 Td (\(1) Tj ET Q q 0 0 0 rg BT 468.63 212.47 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 473.65 212.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 484.00 212.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 535.15 212.42 Td (1,615) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.00 197.87 Td (Current maturities of long-term debt) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 384.65 197.42 Td (4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.65 197.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 552.65 197.42 Td (4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.00 182.87 Td (Contract liabilities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 374.65 182.42 Td (380) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.65 182.42 Td (101) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 542.65 182.42 Td (481) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 70.00 167.87 Td (T) Tj ET Q q 0 0 0 rg BT 75.76 167.87 Td (otal current liabilities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 367.15 167.42 Td (2,010) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.65 167.42 Td (90) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 535.15 167.42 Td (2,100) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.00 152.87 Td (Long-term debt) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 367.15 152.42 Td (5,955) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.65 152.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 535.15 152.42 Td (5,955) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.00 137.87 Td (Deferred income taxes) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 374.65 137.42 Td (745) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 460.30 137.47 Td (\(82) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 473.65 137.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 542.65 137.42 Td (663) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.00 122.87 Td (Long-term contract liabilities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 379.65 122.42 Td (89) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.65 122.42 Td (21) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 542.65 122.42 Td (1) Tj ET Q q 0 0 0 rg BT 547.65 122.42 Td (10) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.00 107.87 Td (Other long-term liabilities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 374.65 107.42 Td (170) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.65 107.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 542.65 107.42 Td (170) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 70.00 92.87 Td (T) Tj ET Q q 0 0 0 rg BT 75.76 92.87 Td (otal liabilities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 367.15 92.42 Td (8,969) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.65 92.42 Td (29) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 535.15 92.42 Td (8,998) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 70.00 77.87 Td (T) Tj ET Q q 0 0 0 rg BT 75.76 77.87 Td (otal shareholders) Tj ET Q q 0 0 0 rg BT 146.40 77.87 Td ( equity) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 367.15 77.42 Td (2,293) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 455.30 77.47 Td (\(258) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 473.65 77.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 535.15 77.42 Td (2,035) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 70.00 62.87 Td (T) Tj ET Q q 0 0 0 rg BT 75.41 62.87 Td (otal liabilities and shareholders) Tj ET Q q 0 0 0 rg BT 202.69 62.87 Td ( equity) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 316.00 62.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 362.15 62.42 Td (1) Tj ET Q q 0 0 0 rg BT 367.15 62.42 Td (1,262) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 400.00 62.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 455.30 62.47 Td (\(229) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 473.65 62.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 484.00 62.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 530.15 62.42 Td (1) Tj ET Q q 0 0 0 rg BT 535.15 62.42 Td (1,033) Tj ET Q BT /F2 10.00 Tf ET endstream endobj 119 0 obj <> endobj 120 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (57) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 108.62 742.25 Td (Statement ) Tj ET Q q 0 0 0 rg BT 154.44 742.25 Td (of ) Tj ET Q q 0 0 0 rg BT 165.27 742.25 Td (Cash ) Tj ET Q q 0 0 0 rg BT 189.45 742.25 Td (Flows) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 708.75 m 409.5 708.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 708.75 m 413.5 708.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.5 708.75 m 485.5 708.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 708.75 m 489.5 708.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 708.75 m 561.5 708.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 676.75 m 409.5 676.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.5 676.75 m 485.5 676.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 676.75 m 561.5 676.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 392.75 m 409.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 378.75 m 409.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.5 392.75 m 485.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.5 378.75 m 485.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 392.75 m 561.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 378.75 m 561.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 294.75 m 409.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 280.75 m 409.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.5 294.75 m 485.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.5 280.75 m 485.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 294.75 m 561.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 280.75 m 561.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.5 280.75 m 485.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 187.75 m 409.5 187.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 187.75 m 409.5 187.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 173.75 m 409.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.5 187.75 m 485.5 187.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.5 173.75 m 485.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 187.75 m 561.5 187.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 173.75 m 561.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 173.75 m 409.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 131.75 m 409.5 131.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.5 131.75 m 485.5 131.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 131.75 m 561.5 131.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 118.75 m 409.5 118.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 116.75 m 409.5 116.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.5 118.75 m 485.5 118.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.5 116.75 m 485.5 116.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 118.75 m 561.5 118.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 116.75 m 561.5 116.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 74.75 m 409.5 74.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.5 74.75 m 485.5 74.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 74.75 m 561.5 74.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 60.75 m 409.5 60.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 58.75 m 409.5 58.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.5 60.75 m 485.5 60.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.5 58.75 m 485.5 58.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 60.75 m 561.5 60.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 58.75 m 561.5 58.75 l s BT /F1 9.00 Tf ET 0 0 0 RG /GS0 gs 0.86 w 0 i [] 0 d 1 J 1 j 3 M 52 711.796337890625 m 99.2587890625 711.796337890625 l s q 0 0 0 rg BT 52.00 713.20 Td (\(In millions\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.60 713.20 Td (Impact of changes in accounting policies) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 681.20 Td (Y) Tj ET Q q 0 0 0 rg BT 58.00 681.20 Td (ear) Tj ET Q q 0 0 0 rg BT 69.91 681.20 Td ( Ended December) Tj ET Q q 0 0 0 rg BT 138.24 681.20 Td ( 31, 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.20 681.20 Td (As r) Tj ET Q q 0 0 0 rg BT 366.37 681.20 Td (eported) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.45 681.20 Td (Adjustments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.10 699.20 Td (Balances without) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.20 690.20 Td (adoption of ) Tj ET Q q 0 0 0 rg BT 538.71 690.20 Td (ASC) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.25 681.20 Td (606) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 667.70 Td (Cash flows fr) Tj ET Q q 0 0 0 rg BT 102.84 667.70 Td (om operating activities:) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.00 654.01 Td (Net income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 340.00 653.21 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 385.75 653.21 Td (1,187) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.00 653.21 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 653.21 Td (\(51) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.00 653.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.00 653.21 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 537.75 653.21 Td (1,136) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.00 640.01 Td (Adjustments to reconcile net income to net cash provided by operating) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 70.00 631.01 Td (activities from continuing operations:) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 70.00 617.01 Td (Depreciation and other amortization) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.50 616.21 Td (393) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 616.21 Td (\(74) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.00 616.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 544.50 616.21 Td (319) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 70.00 603.01 Td (Amortization of acquisition-related intangible assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.50 602.21 Td (163) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 602.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 544.50 602.21 Td (163) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 70.00 589.01 Td (Share-based compensation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 588.21 Td (73) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 588.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.00 588.21 Td (73) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 70.00 575.01 Td (Deferred income taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.50 574.21 Td (133) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 574.21 Td (\(14) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.00 574.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 544.50 574.21 Td (1) Tj ET Q q 0 0 0 rg BT 549.00 574.21 Td (19) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 70.00 561.01 Td (Gain on sale of businesses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.50 560.21 Td (\(227) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.00 560.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.50 560.21 Td (\(3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.00 560.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 541.50 560.21 Td (\(230) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 560.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 70.00 547.01 Td (Loss on early debt extinguishment) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 546.21 Td (14) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 546.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.00 546.21 Td (14) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 70.00 533.01 Td (Income from investments in unconsolidated af) Tj ET Q q 0 0 0 rg BT 237.13 533.01 Td (filiates) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.00 532.21 Td (\(10) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.00 532.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 532.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 546.00 532.21 Td (\(10) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 532.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 70.00 519.01 Td (Dividends from unconsolidated af) Tj ET Q q 0 0 0 rg BT 192.64 519.01 Td (filiates) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 401.50 518.21 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 518.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 553.50 518.21 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 70.00 505.01 Td (Non-cash impairment char) Tj ET Q q 0 0 0 rg BT 165.88 505.01 Td (ges) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 401.50 504.21 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 504.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 553.50 504.21 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 70.00 491.01 Td (Other operating activities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.00 490.21 Td (\(10) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.00 490.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 490.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 546.00 490.21 Td (\(10) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 490.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 70.00 477.01 Td (Changes in assets and liabilities, net of ef) Tj ET Q q 0 0 0 rg BT 218.80 477.01 Td (fects from acquisitions and) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 88.00 468.01 Td (dispositions:) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 88.00 454.01 Td (T) Tj ET Q q 0 0 0 rg BT 93.34 454.01 Td (rade accounts receivable) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.50 453.21 Td (\(108) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.00 453.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 453.21 Td (31) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 546.00 453.21 Td (\(77) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 453.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 88.00 440.01 Td (Prepaid expenses and other assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.50 439.21 Td (\(6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.00 439.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.50 439.21 Td (\(2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.00 439.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 550.50 439.21 Td (\(8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 439.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 88.00 426.01 Td (Contract costs) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.50 425.21 Td (\(137) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.00 425.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 425.21 Td (98) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 546.00 425.21 Td (\(39) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 425.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 88.00 412.01 Td (Accounts payable and other liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.50 411.21 Td (1) Tj ET Q q 0 0 0 rg BT 397.00 411.21 Td (16) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.50 411.21 Td (\(4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.00 411.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 544.50 411.21 Td (1) Tj ET Q q 0 0 0 rg BT 549.00 411.21 Td (12) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 88.00 398.01 Td (Contract liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.00 397.21 Td (\(34) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.00 397.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 397.21 Td (19) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 546.00 397.21 Td (\(15) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 397.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.00 384.01 Td (Net cash provided by operating activities from continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 385.75 383.21 Td (1,552) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 383.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 537.75 383.21 Td (1,552) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 370.15 Td (Cash flows fr) Tj ET Q q 0 0 0 rg BT 102.92 370.15 Td (om investing activities:) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.00 356.01 Td (Capital expenditures, including capitalization of software costs) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.50 355.21 Td (\(360) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.00 355.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 355.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 541.50 355.21 Td (\(360) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 355.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.00 342.01 Td (Proceeds from sale of businesses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.50 341.21 Td (419) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 341.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 544.50 341.21 Td (419) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.00 328.01 Td (Payments for acquisitions of businesses, net of cash acquired) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.50 327.21 Td (\(712) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.00 327.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 327.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 541.50 327.21 Td (\(712) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 327.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.00 314.01 Td (Purchases of investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.50 313.21 Td (\(3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.00 313.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 313.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 550.50 313.21 Td (\(3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 313.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.00 300.01 Td (Other investing activities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.50 299.21 Td (\(7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.00 299.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 299.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 550.50 299.21 Td (\(7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 299.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.00 286.01 Td (Net cash provided by investing activities from continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.50 285.21 Td (\(663) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.00 285.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 285.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 541.50 285.21 Td (\(663) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 285.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 272.15 Td (Cash flows fr) Tj ET Q q 0 0 0 rg BT 102.84 272.15 Td (om financing activities:) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.00 258.01 Td (Debt proceeds) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 385.75 257.21 Td (5,039) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 257.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 537.75 257.21 Td (5,039) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.00 244.01 Td (Debt repayments, including redemption and other costs) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.75 243.21 Td (\(4,005) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.00 243.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 243.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.75 243.21 Td (\(4,005) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 243.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.00 230.01 Td (Proceeds from issuance of treasury stock) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 229.21 Td (75) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 229.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.00 229.21 Td (75) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.00 216.01 Td (Purchases of treasury stock, including employee shares withheld for tax) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 70.00 207.01 Td (obligations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.75 206.21 Td (\(1,946) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.00 206.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 206.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.75 206.21 Td (\(1,946) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 206.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.00 192.61 Td (Other financing activities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.50 192.21 Td (\(5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.00 192.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 192.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 550.50 192.21 Td (\(5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 192.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.00 179.01 Td (Net cash used in financing activities from continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.50 178.21 Td (\(842) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.00 178.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 178.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 541.50 178.21 Td (\(842) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 178.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.00 165.01 Td (Net change in cash and cash equivalents from continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 164.21 Td (47) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 164.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.00 164.21 Td (47) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.00 151.01 Td (Net change in cash and cash equivalents from discontinued operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 150.21 Td (43) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 150.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.00 150.21 Td (43) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.00 137.01 Td (Cash and cash equivalents, beginning balance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.50 136.21 Td (325) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 136.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 544.50 136.21 Td (325) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.00 123.01 Td (Cash and cash equivalents, ending balance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 340.00 122.21 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.50 122.21 Td (415) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.00 122.21 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 122.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.00 122.21 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 544.50 122.21 Td (415) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 108.20 Td (Discontinued operations cash flow information:) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.00 95.01 Td (Net cash used in operating activities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 340.00 94.21 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.50 94.21 Td (\(7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.00 94.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.00 94.21 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 94.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.00 94.21 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 550.50 94.21 Td (\(7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 94.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.00 81.01 Td (Net cash provided by investing activities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 79.21 Td (50) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 79.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.00 79.21 Td (50) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.00 66.01 Td (Net change in cash and cash equivalents from discontinued operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 340.00 64.21 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 64.21 Td (43) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.00 64.21 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 64.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.00 64.21 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.00 64.21 Td (43) Tj ET Q BT /F2 10.00 Tf ET endstream endobj 121 0 obj <> endobj 122 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (58) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.00 742.25 Td (. ) Tj ET Q q 0 0 0 rg BT 59.45 742.25 Td (Acquisitions and Dispositions) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (Acquisitions) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 700.25 Td (On October 31, 2018, the Company acquired the debit card processing, ) Tj ET Q q 0 0 0 rg BT 336.59 700.25 Td (A) Tj ET Q q 0 0 0 rg BT 342.71 700.25 Td (TM Managed Services, and MoneyPass) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 501.84 704.78 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 506.78 700.25 Td ( surchar) Tj ET Q q 0 0 0 rg BT 538.53 700.25 Td (ge-) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 688.25 Td (free network of Elan Financial Services, a unit of U.S. Bancorp \(Elan\), for approximately ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 419.32 688.25 Td ($660 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 470.71 688.25 Td (. Such purchase price ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 676.25 Td (includes an initial cash payment of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 191.63 676.25 Td ($691 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 243.02 676.25 Td (, less post-closing working capital adjustments of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 442.99 676.25 Td ($57 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 489.38 676.25 Td (, plus contingent ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 664.25 Td (consideration related to earn-out provisions estimated at a fair value of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 335.18 664.25 Td ($12 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.57 664.25 Td ( and future payments under a transition ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 652.25 Td (services agreement estimated to be in excess of fair value of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 292.95 652.25 Td ($14 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 339.35 652.25 Td (. ) Tj ET Q q 0 0 0 rg BT 344.17 652.25 Td (This acquisition, included within the Payments ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 640.25 Td (segment, deepens the Company) Tj ET Q q 0 0 0 rg BT 179.41 640.25 Td (s presence in debit card processing, broadens its client reach and scale, and provides new ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 628.25 Td (solutions to enhance the value proposition for its existing debit solution clients.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 607.25 Td (The preliminary allocation of purchase price recorded for Elan was as follows:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 491.75 m 562.5 491.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 477.75 m 562.5 477.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 475.75 m 562.5 475.75 l s BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 53 584.86259765625 m 105.509765625 584.86259765625 l s q 0 0 0 rg BT 53.00 586.43 Td (\(In millions\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 572.32 Td (T) Tj ET Q q 0 0 0 rg BT 58.93 572.32 Td (rade accounts receivable) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 460.00 571.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 571.42 Td (20) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 557.32 Td (Prepaid expenses and other current assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 556.42 Td (94) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 542.32 Td (Property and equipment) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 553.65 541.42 Td (9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 527.32 Td (Intangible assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 526.42 Td (353) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 512.32 Td (Goodwill) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 511.42 Td (240) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 497.32 Td (Accounts payable and other current liabilities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 545.30 496.47 Td (\(56) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 496.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 482.32 Td (T) Tj ET Q q 0 0 0 rg BT 64.41 482.32 Td (otal purchase price) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 460.00 481.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 481.42 Td (660) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 456.25 Td (The amounts allocated to goodwill and intangible assets were based on preliminary valuations and are subject to final ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 444.25 Td (adjustment. Goodwill, expected to be deductible for tax purposes, is primarily attributed to syner) Tj ET Q q 0 0 0 rg BT 436.95 444.25 Td (gies, including the migration ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 432.25 Td (of Elan) Tj ET Q q 0 0 0 rg BT 81.93 432.25 Td (s clients to the Company) Tj ET Q q 0 0 0 rg BT 183.59 432.25 Td (s debit platform, and the anticipated value created by selling the Company) Tj ET Q q 0 0 0 rg BT 483.50 432.25 Td (s products and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 420.25 Td (services outside of card payments to Elan) Tj ET Q q 0 0 0 rg BT 218.84 420.25 Td (s existing client base. ) Tj ET Q q 0 0 0 rg BT 306.69 420.25 Td (The values allocated to intangible assets are as follows:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351.5 377.75 m 456.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 377.75 m 561.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351.5 377.75 m 456.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 377.75 m 561.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351.5 347.75 m 456.5 347.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351.5 347.75 m 456.5 347.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351.5 333.75 m 456.5 333.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351.5 331.75 m 456.5 331.75 l s BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 52 380.86259765625 m 104.509765625 380.86259765625 l s q 0 0 0 rg BT 52.00 382.43 Td (\(In millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.10 391.48 Td (Gr) Tj ET Q q 0 0 0 rg BT 382.23 391.48 Td (oss Carrying) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.95 381.48 Td (Amount) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.15 391.48 Td (W) Tj ET Q q 0 0 0 rg BT 478.60 391.48 Td (eighted-A) Tj ET Q q 0 0 0 rg BT 519.52 391.48 Td (verage) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.00 381.48 Td (Useful Life) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.00 368.32 Td (Customer related intangible assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 354.00 367.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 437.65 367.42 Td (350) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 491.70 367.42 Td (15 years) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.00 353.32 Td (T) Tj ET Q q 0 0 0 rg BT 57.76 353.32 Td (rade name) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 447.65 352.42 Td (3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 494.20 352.42 Td (8 years) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 354.00 337.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 437.65 337.42 Td (353) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 491.70 337.42 Td (15 years) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 312.25 Td (In conjunction with the acquisition, the Company entered into a transition services agreement for the provision of certain ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 300.25 Td (processing, network, administrative and managed services for a period of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 345.46 300.25 Td (two) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 360.46 300.25 Td ( years. ) Tj ET Q q 0 0 0 rg BT 388.51 300.25 Td (Amounts, reflective of their associated fair ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 288.25 Td (value, transacted through this agreement approximated ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 271.87 288.25 Td ($12 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 318.26 288.25 Td ( for the year ended December 31, 2018 and were recognized ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 276.25 Td (as cost of processing and services in the consolidated statements of income. ) Tj ET Q q 0 0 0 rg BT 355.01 276.25 Td (The results of operations for Elan, including ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 264.25 Td ($29million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 96.39 264.25 Td ( of revenue and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 160.81 264.25 Td ($6 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 202.20 264.25 Td ( of operating income including ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 328.00 264.25 Td ($4 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 369.39 264.25 Td ( of acquired intangible asset amortization, have ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 252.25 Td (been included within the accompanying consolidated statement of income from the date of acquisition. Pro forma information ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 240.25 Td (for Elan is not provided as it did not have a material ef) Tj ET Q q 0 0 0 rg BT 268.09 240.25 Td (fect on the Company) Tj ET Q q 0 0 0 rg BT 354.45 240.25 Td (s consolidated results of operations. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 219.25 Td (On January 17, 2017, the Company completed its acquisition of Online Banking Solutions, Inc. \(OBS\), a provider of cash ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 207.25 Td (management and digital business banking solutions that complement and enrich the Company) Tj ET Q q 0 0 0 rg BT 428.54 207.25 Td (s existing solutions. On July 31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 195.25 Td (2017, the Company acquired the assets of PCLender) Tj ET Q q 0 0 0 rg BT 259.55 195.25 Td (, LLC \(PCLender\), a leader in internet-based mortgage software and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 183.25 Td (mortgage lending technology solutions. ) Tj ET Q q 0 0 0 rg BT 210.63 183.25 Td (The OBS and PCLender acquisitions are included in the Financial segment as their ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 171.25 Td (products are integrated across a number of the Company) Tj ET Q q 0 0 0 rg BT 278.81 171.25 Td (s account processing solutions and will enable the Company) Tj ET Q q 0 0 0 rg BT 522.66 171.25 Td (s bank ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 159.25 Td (and credit union clients to better serve their commercial and mortgage customers. On ) Tj ET Q q 0 0 0 rg BT 392.67 159.25 Td (August 18, 2017, the Company acquired ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 147.25 Td (Dovetail Group Limited \(Dovetail\), a leading provider of bank payments and liquidity management solutions. On September ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 135.25 Td (1, 2017, the Company completed its acquisition of Monitise plc \(Monitise\), a provider of digital solutions that enables ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 123.25 Td (innovative digital banking experiences for leading financial institutions worldwide. ) Tj ET Q q 0 0 0 rg BT 385.29 123.25 Td (The Dovetail and Monitise acquisitions are ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 111.25 Td (included in the Payments segment and will further enable the Company to help financial institutions around the world ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 99.25 Td (transform their payments infrastructure and to expand its digital leadership, respectively) Tj ET Q q 0 0 0 rg BT 401.74 99.25 Td (.) Tj ET Q endstream endobj 123 0 obj <> endobj 124 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (59) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (The Company acquired these ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 169.40 742.10 Td (four) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 186.06 742.10 Td ( businesses for an aggregate purchase price of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 372.10 742.10 Td ($384 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 423.49 742.10 Td (, net of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 454.04 742.10 Td ($33 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 500.43 742.10 Td ( of acquired ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (cash, along with earn-out provisions estimated at a fair value of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 306.59 730.10 Td ($15 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 352.98 730.10 Td ( \(see Note 1\). ) Tj ET Q q 0 0 0 rg BT 409.17 730.10 Td (The purchase price allocations for ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (these acquisitions resulted in acquired software and technology and customer related intangible assets totaling ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 492.65 718.10 Td ($163 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 544.04 718.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (goodwill of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 98.89 706.10 Td ($217 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 150.28 706.10 Td (. ) Tj ET Q q 0 0 0 rg BT 155.10 706.10 Td (The other net assets of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 247.57 706.10 Td ($19 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 293.96 706.10 Td ( include ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 328.39 706.10 Td ($50 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 374.79 706.10 Td ( of assets held for sale and approximately ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td ($20million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 96.39 694.10 Td ( of deferred tax liabilities. ) Tj ET Q q 0 0 0 rg BT 202.28 694.10 Td (The purchase price allocations were finalized for the OBS and PCLender acquisitions in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (2017 and for the Dovetail and Monitise acquisitions in the first quarter of 2018, and did not materially change from the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (preliminary allocations. ) Tj ET Q q 0 0 0 rg BT 147.29 670.10 Td (The goodwill from these acquisitions is primarily attributed to syner) Tj ET Q q 0 0 0 rg BT 420.11 670.10 Td (gies and the anticipated value ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (created by selling the products and services that these businesses provide into the Company) Tj ET Q q 0 0 0 rg BT 419.08 658.10 Td (s existing client base. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (Approximately ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 113.04 646.10 Td ($70 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 159.43 646.10 Td ( of the goodwill is expected to be deductible for tax purposes. ) Tj ET Q q 0 0 0 rg BT 408.35 646.10 Td (The values allocated to intangible ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (assets are as follows:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 591.6 m 457.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 591.6 m 562.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 591.6 m 457.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 591.6 m 562.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 561.6 m 457.5 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 561.6 m 457.5 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 547.6 m 457.5 547.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 545.6 m 457.5 545.6 l s BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 53 594.71259765625 m 105.509765625 594.71259765625 l s q 0 0 0 rg BT 53.00 596.28 Td (\(In millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.10 605.33 Td (Gr) Tj ET Q q 0 0 0 rg BT 383.23 605.33 Td (oss Carrying) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.95 595.33 Td (Amount) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.15 605.33 Td (W) Tj ET Q q 0 0 0 rg BT 479.60 605.33 Td (eighted-A) Tj ET Q q 0 0 0 rg BT 520.52 605.33 Td (verage) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.00 595.33 Td (Useful Life) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 582.17 Td (Customer related intangible assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 355.00 581.27 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 443.65 581.27 Td (92) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 492.70 581.27 Td (15 years) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 567.17 Td (Acquired software and technology) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 443.65 566.27 Td (71) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 495.20 566.27 Td (7 years) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 355.00 551.27 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 438.65 551.27 Td (163) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 492.70 551.27 Td (12 years) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (In the first quarter of 2016, the Company acquired the Convenience Pay Services business of Hewlett Packard Enterprise ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (Company and completed its purchase of the Community Financial Services business of ) Tj ET Q q 0 0 0 rg BT 401.05 514.10 Td (ACI ) Tj ET Q q 0 0 0 rg BT 420.59 514.10 Td (W) Tj ET Q q 0 0 0 rg BT 429.23 514.10 Td (orldwide, Inc. ) Tj ET Q q 0 0 0 rg BT 487.36 514.10 Td (These acquisitions ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (expand the Company) Tj ET Q q 0 0 0 rg BT 137.76 502.10 Td (s biller solution of) Tj ET Q q 0 0 0 rg BT 210.63 502.10 Td (ferings and enhance its suite of digital banking and payments solutions, and are ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (included in the Payments segment.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 469.10 Td (The Company acquired these ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 169.40 469.10 Td (two) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 184.40 469.10 Td ( businesses for an aggregate purchase price of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 370.44 469.10 Td ($265 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 421.83 469.10 Td (. ) Tj ET Q q 0 0 0 rg BT 426.65 469.10 Td (The final purchase price ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 457.10 Td (allocations for these acquisitions resulted in technology and customer intangible assets totaling approximately ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 492.39 457.10 Td ($80 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 538.78 457.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 445.10 Td (goodwill of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 98.89 445.10 Td ($173 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 150.28 445.10 Td (, and other identifiable net assets of approximately ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 354.94 445.10 Td ($12 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 401.33 445.10 Td ( consisting primarily of accounts ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 433.10 Td (receivable. ) Tj ET Q q 0 0 0 rg BT 95.90 433.10 Td (The goodwill from these transactions is deductible for tax purposes and is primarily attributed to syner) Tj ET Q q 0 0 0 rg BT 505.90 433.10 Td (gies and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 421.10 Td (anticipated revenue and earnings growth associated with the products and services that these businesses provide. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 400.10 Td (Disposition) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 379.10 Td (On May 1) Tj ET Q q 0 0 0 rg BT 90.18 379.10 Td (1, 2017, the Company sold its ) Tj ET Q q 0 0 0 rg BT 211.85 379.10 Td (Australian item processing business, which was reported within the Financial segment, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 367.10 Td (for approximately ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 124.42 367.10 Td ($17 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 170.81 367.10 Td (. ) Tj ET Q q 0 0 0 rg BT 175.63 367.10 Td (The Company recognized a gain on the sale of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 364.17 367.10 Td ($10 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 410.57 367.10 Td (, with the related tax expense of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 355.10 Td ($5million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 91.39 355.10 Td ( recorded through the income tax provision, in the consolidated statements of income.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (4. Discontinued Operations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 313.10 Td (Income from discontinued operations in 2017 included a litigation settlement related to a prior disposition of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 487.12 313.10 Td ($19 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 533.52 313.10 Td (, net of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 301.10 Td (income tax of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 107.48 301.10 Td ($7 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 148.87 301.10 Td (, and earnings related to an acquired business held for sale as described below) Tj ET Q q 0 0 0 rg BT 459.78 301.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 280.10 Td (On ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 64.72 280.10 Td (January10, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 133.32 280.10 Td (, the Company completed the sale of the retail voucher business, MyV) Tj ET Q q 0 0 0 rg BT 413.35 280.10 Td (oucherCodes, acquired as part of its ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (acquisition of Monitise in September 2017 for proceeds of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 286.34 268.10 Td (37 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 332.73 268.10 Td ( \() Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 338.56 268.10 Td ($50 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 384.95 268.10 Td (\). ) Tj ET Q q 0 0 0 rg BT 393.10 268.10 Td (The corresponding assets of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 507.51 268.10 Td ($50 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 553.91 268.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (consisting primarily of goodwill, were presented as held for sale in the Company) Tj ET Q q 0 0 0 rg BT 376.31 256.10 Td (s consolidated balance sheet at December 31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 244.10 Td (2017, and the corresponding proceeds received in 2018 are presented within discontinued operations since the business was ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 232.10 Td (never considered part of the Company) Tj ET Q q 0 0 0 rg BT 205.78 232.10 Td (s ongoing operations. ) Tj ET Q q 0 0 0 rg BT 293.93 232.10 Td (There was no impact to operating income or gain/loss recognized ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (on the sale in 2018.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 199.10 Td (Cash flows from discontinued operations in 2018 also included tax payments of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 371.61 199.10 Td ($7 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 413.00 199.10 Td ( related to income recognized in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 187.10 Td (2017 from the litigation settlement described above.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.00 166.10 Td (. Investments in Unconsolidated ) Tj ET Q q 0 0 0 rg BT 193.08 166.10 Td (Affiliates) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 145.10 Td (Lending Joint V) Tj ET Q q 0 0 0 rg BT 112.77 145.10 Td (entur) Tj ET Q q 0 0 0 rg BT 133.51 145.10 Td (es) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 124.10 Td (On March 29, 2018, the Company completed the sale of a ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 284.11 124.10 Td (55%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 302.44 124.10 Td ( controlling interest of each of Fiserv ) Tj ET Q q 0 0 0 rg BT 452.68 124.10 Td (Automotive Solutions, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 112.10 Td (LLC and Fiserv LS LLC, which were subsidiaries of the Company that owned its Lending Solutions business \(collectively) Tj ET Q q 0 0 0 rg BT 539.83 112.10 Td (, the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 100.10 Td (Lending Joint ) Tj ET Q q 0 0 0 rg BT 112.03 100.10 Td (V) Tj ET Q q 0 0 0 rg BT 118.14 100.10 Td (entures\), to funds af) Tj ET Q q 0 0 0 rg BT 202.38 100.10 Td (filiated with ) Tj ET Q q 0 0 0 rg BT 253.30 100.10 Td (W) Tj ET Q q 0 0 0 rg BT 261.93 100.10 Td (arbur) Tj ET Q q 0 0 0 rg BT 282.85 100.10 Td (g Pincus LLC. ) Tj ET Q q 0 0 0 rg BT 343.23 100.10 Td (The Lending Joint ) Tj ET Q q 0 0 0 rg BT 418.87 100.10 Td (V) Tj ET Q q 0 0 0 rg BT 424.98 100.10 Td (entures, which were reported ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 88.10 Td (within the Financial segment, included all of the Company) Tj ET Q q 0 0 0 rg BT 287.45 88.10 Td (s automotive loan origination and servicing products, as well as its ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 76.10 Td (LoanServ) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 88.88 80.63 Td (TM) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 98.63 76.10 Td ( mortgage and consumer loan servicing platform. ) Tj ET Q q 0 0 0 rg BT 297.83 76.10 Td (The Company received gross sale proceeds of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 484.15 76.10 Td ($419 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 535.54 76.10 Td ( from ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 64.10 Td (the transactions. ) Tj ET Q q 0 0 0 rg BT 117.30 64.10 Td (The Company recognized a pre-tax gain on the sale of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 336.66 64.10 Td ($227 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 388.05 64.10 Td (, with the related tax expense of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 52.10 Td ($77million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 96.39 52.10 Td ( recorded through the income tax provision, in the consolidated statements of income. ) Tj ET Q q 0 0 0 rg BT 441.95 52.10 Td (The pre-tax gain includes ) Tj ET Q endstream endobj 125 0 obj <> endobj 126 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (60) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td ($124 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 101.39 742.10 Td ( related to the remeasurement of the Company) Tj ET Q q 0 0 0 rg BT 289.38 742.10 Td (s ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 295.77 742.10 Td (45%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 314.10 742.10 Td ( retained interests based upon the estimated enterprise value ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (of the Lending Joint ) Tj ET Q q 0 0 0 rg BT 133.14 730.10 Td (V) Tj ET Q q 0 0 0 rg BT 139.25 730.10 Td (entures. Contingent consideration of up to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 310.05 730.10 Td ($20 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 356.45 730.10 Td ( under defined special distribution provisions ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (within the transaction agreements is being accounted for by the Company as a gain contingency and will therefore be ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (recognized in future periods to the extent the contingency is resolved and thereby realized. ) Tj ET Q q 0 0 0 rg BT 414.40 706.10 Td (The Company) Tj ET Q q 0 0 0 rg BT 474.12 706.10 Td (s remaining ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 523.55 706.10 Td (45%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 541.88 706.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (ownership interests in the Lending Joint ) Tj ET Q q 0 0 0 rg BT 212.57 694.10 Td (V) Tj ET Q q 0 0 0 rg BT 218.69 694.10 Td (entures are accounted for as equity method investments, with the Company) Tj ET Q q 0 0 0 rg BT 522.22 694.10 Td (s share of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (net income reported as income from investments in unconsolidated af) Tj ET Q q 0 0 0 rg BT 328.35 682.10 Td (filiates and the related tax expense reported within the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (income tax provision in the consolidated statements of income. ) Tj ET Q q 0 0 0 rg BT 304.76 670.10 Td (The Company) Tj ET Q q 0 0 0 rg BT 364.47 670.10 Td (s investment in the Lending Joint ) Tj ET Q q 0 0 0 rg BT 499.83 670.10 Td (V) Tj ET Q q 0 0 0 rg BT 505.95 670.10 Td (entures was ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td ($65 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 96.39 658.10 Td ( at ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 108.61 658.10 Td (December31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 187.19 658.10 Td ( and is reported within other long-term assets in the consolidated balance sheet. ) Tj ET Q q 0 0 0 rg BT 506.92 658.10 Td (The revenues ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (and expenses of the Lending Joint ) Tj ET Q q 0 0 0 rg BT 188.68 646.10 Td (V) Tj ET Q q 0 0 0 rg BT 194.79 646.10 Td (entures after the sale transactions are not included in the Company) Tj ET Q q 0 0 0 rg BT 463.59 646.10 Td (s consolidated ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (statements of income. ) Tj ET Q q 0 0 0 rg BT 139.79 634.10 Td (The Company) Tj ET Q q 0 0 0 rg BT 199.51 634.10 Td (s consolidated financial statements for all periods prior to the sale transactions include the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (revenues, expenses and cash flows of the Lending Joint ) Tj ET Q q 0 0 0 rg BT 274.20 622.10 Td (V) Tj ET Q q 0 0 0 rg BT 280.32 622.10 Td (entures.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 601.10 Td (Prior to the sale transactions described above, the Lending Joint ) Tj ET Q q 0 0 0 rg BT 307.81 601.10 Td (V) Tj ET Q q 0 0 0 rg BT 313.92 601.10 Td (entures entered into variable-rate term loan facilities for an ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 589.10 Td (aggregate amount of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 134.69 589.10 Td ($350 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 186.08 589.10 Td ( in senior unsecured debt and variable-rate revolving credit facilities for an aggregate amount ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 577.10 Td (of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 60.83 577.10 Td ($35 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 107.22 577.10 Td ( with a syndicate of banks, which transferred to the Lending Joint ) Tj ET Q q 0 0 0 rg BT 371.69 577.10 Td (V) Tj ET Q q 0 0 0 rg BT 377.81 577.10 Td (entures as part of the sale. ) Tj ET Q q 0 0 0 rg BT 483.97 577.10 Td (The Company has ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 565.10 Td (guaranteed this debt of the Lending Joint ) Tj ET Q q 0 0 0 rg BT 216.17 565.10 Td (V) Tj ET Q q 0 0 0 rg BT 222.28 565.10 Td (entures and does not anticipate that the Lending Joint ) Tj ET Q q 0 0 0 rg BT 437.88 565.10 Td (V) Tj ET Q q 0 0 0 rg BT 443.99 565.10 Td (entures will fail to fulfill ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 553.10 Td (their debt obligations. ) Tj ET Q q 0 0 0 rg BT 139.80 553.10 Td (These debt facilities mature in March 2023, and there are no outstanding borrowings on the revolving ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 541.10 Td (credit facilities as of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 133.85 541.10 Td (December31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 212.44 541.10 Td (. ) Tj ET Q q 0 0 0 rg BT 217.26 541.10 Td (The Company recorded an initial ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 351.93 541.10 Td ($34 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 398.33 541.10 Td ( liability as a reduction to the gain on ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 529.10 Td (sale transactions for the estimated fair value of its obligations to stand ready to perform over the term of the guarantees, which ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 517.10 Td (is reported primarily within other long-term liabilities in the consolidated balance sheet. Such guarantees will be amortized in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 505.10 Td (future periods over the contractual term. In 2018, the Company recognized ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 351.84 505.10 Td ($5 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 393.23 505.10 Td ( within non-operating income in its ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 493.10 Td (consolidated statements of income related to its release from risk under the guarantees. ) Tj ET Q q 0 0 0 rg BT 399.70 493.10 Td (The Company has not made any ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 481.10 Td (payments under the guarantees, nor has it been called upon to do so. In conjunction with the sale transactions described above, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 469.10 Td (the Company also entered into certain transition services agreements to provide, at fair value, various administration, business ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 457.10 Td (process outsourcing, technical and data center related services for defined periods to the Lending Joint ) Tj ET Q q 0 0 0 rg BT 461.89 457.10 Td (V) Tj ET Q q 0 0 0 rg BT 468.01 457.10 Td (entures. ) Tj ET Q q 0 0 0 rg BT 501.33 457.10 Td (Amounts ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 445.10 Td (transacted through these agreements approximated ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 255.20 445.10 Td ($30 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.59 445.10 Td ( in 2018, of which ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 377.14 445.10 Td ($28 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 423.53 445.10 Td ( was recognized as processing and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 433.10 Td (services revenue in the consolidated statements of income.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 412.10 Td (StoneRiver Gr) Tj ET Q q 0 0 0 rg BT 107.11 412.10 Td (oup, L.P) Tj ET Q q 0 0 0 rg BT 140.00 412.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 391.10 Td (The Company owns a ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 139.99 391.10 Td (49%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 158.32 391.10 Td ( interest in StoneRiver Group, L.P) Tj ET Q q 0 0 0 rg BT 294.14 391.10 Td (. \(StoneRiver\), which is accounted for as an equity method ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 379.10 Td (investment. ) Tj ET Q q 0 0 0 rg BT 98.70 379.10 Td (The Company reports its share of StoneRiver) Tj ET Q q 0 0 0 rg BT 280.15 379.10 Td () Tj ET Q q 0 0 0 rg BT 282.92 379.10 Td (s net income as income from investment in unconsolidated af) Tj ET Q q 0 0 0 rg BT 527.96 379.10 Td (filiate, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 367.10 Td (with the related tax expense reported within the income tax provision, in the consolidated statements of income. ) Tj ET Q q 0 0 0 rg BT 499.97 367.10 Td (The ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 355.10 Td (Company) Tj ET Q q 0 0 0 rg BT 91.67 355.10 Td (s investment in StoneRiver was ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 220.26 355.10 Td (zero) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 237.47 355.10 Td ( at December 31, 2018 and 2017. In ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 383.54 355.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 403.54 355.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 408.54 355.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 428.54 355.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 447.98 355.10 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 467.98 355.10 Td (, the Company ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 343.10 Td (received cash dividends from StoneRiver of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 228.28 343.10 Td ($2million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 269.67 343.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 274.67 343.10 Td ($45million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 321.06 343.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 340.50 343.10 Td ($151 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 391.89 343.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 444.56 343.10 Td (, which were funded from ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 331.10 Td (capital transactions. ) Tj ET Q q 0 0 0 rg BT 131.73 331.10 Td (The dividends, in their entirety) Tj ET Q q 0 0 0 rg BT 254.66 331.10 Td (, represented returns on the Company) Tj ET Q q 0 0 0 rg BT 407.40 331.10 Td (s investment and are reported in cash ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 319.10 Td (flows from operating activities. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (During the first quarter of 2017, StoneRiver recognized a gain on the sale of a business. ) Tj ET Q q 0 0 0 rg BT 403.06 298.10 Td (The Company) Tj ET Q q 0 0 0 rg BT 462.77 298.10 Td (s pre-tax share of the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (gain was ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 87.77 286.10 Td ($26 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 134.16 286.10 Td (, with related tax expense of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 249.39 286.10 Td ($9million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 290.79 286.10 Td (. During 2017, the Company received cash dividends of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td ($45million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 96.39 274.10 Td ( from StoneRiver) Tj ET Q q 0 0 0 rg BT 165.42 274.10 Td (, which were funded from sale transactions and recorded as reductions in the Company) Tj ET Q q 0 0 0 rg BT 515.87 274.10 Td (s ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (investment in StoneRiver) Tj ET Q q 0 0 0 rg BT 151.10 262.10 Td (. ) Tj ET Q q 0 0 0 rg BT 155.92 262.10 Td (These dividends exceeded the Company) Tj ET Q q 0 0 0 rg BT 319.76 262.10 Td (s investment carrying amount, resulting in the reduction of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (its investment balance to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 151.64 250.10 Td (zero) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 168.85 250.10 Td (, with the excess cash dividend of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 306.04 250.10 Td ($6 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 347.43 250.10 Td ( recorded as income, and related tax expense of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td ($2million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 91.39 238.10 Td (, in 2017.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 217.10 Td (During the first quarter of 2016, StoneRiver recognized a gain on the sale of a business interest in which the Company) Tj ET Q q 0 0 0 rg BT 526.27 217.10 Td (s pre-tax ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 205.10 Td (share of this gain was ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 139.15 205.10 Td ($190million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 190.54 205.10 Td (. During the first quarter of 2016, the Company also received cash dividends of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 509.90 205.10 Td ($140million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 561.29 205.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 193.10 Td (from StoneRiver) Tj ET Q q 0 0 0 rg BT 116.53 193.10 Td (, which were funded from the sale transaction and recorded as reductions in the Company) Tj ET Q q 0 0 0 rg BT 477.80 193.10 Td (s investment in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 181.10 Td (StoneRiver) Tj ET Q q 0 0 0 rg BT 94.44 181.10 Td (. In conjunction with this activity) Tj ET Q q 0 0 0 rg BT 226.55 181.10 Td (, the Company evaluated its equity method investment in StoneRiver for its ability ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 169.10 Td (to recover the remaining carrying amount of such investment. Utilizing a discounted cash flow analysis \(level 3 of the fair ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 157.10 Td (value hierarchy\) to arrive at a measure of the investment) Tj ET Q q 0 0 0 rg BT 278.51 157.10 Td (s fair value, the Company recognized an impairment loss of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 145.10 Td ($44million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 96.39 145.10 Td (. ) Tj ET Q q 0 0 0 rg BT 101.21 145.10 Td (The Company) Tj ET Q q 0 0 0 rg BT 160.92 145.10 Td (s pre-tax share of the gain, net of the impairment loss, was ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 396.97 145.10 Td ($146million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 448.36 145.10 Td (, with related tax expense of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 133.10 Td ($54million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 96.39 133.10 Td (.) Tj ET Q endstream endobj 127 0 obj <> endobj 128 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (61) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.00 742.25 Td (. Long-T) Tj ET Q q 0 0 0 rg BT 91.31 742.25 Td (erm Debt) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (The Company) Tj ET Q q 0 0 0 rg BT 109.71 721.25 Td (s long-term debt, net of discounts and debt issuance costs, consisted of the following at December31:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 687.75 m 470.5 687.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 687.75 m 562.5 687.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 547.75 m 470.5 547.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 547.75 m 562.5 547.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 519.75 m 470.5 519.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 519.75 m 562.5 519.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 519.75 m 470.5 519.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 506.75 m 470.5 506.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 504.75 m 470.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 506.75 m 562.5 506.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 504.75 m 562.5 504.75 l s BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 53 690.86259765625 m 105.509765625 690.86259765625 l s q 0 0 0 rg BT 53.00 692.43 Td (\(In millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.50 692.43 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.00 692.43 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 678.32 Td (Revolving credit facility) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 386.00 678.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 444.15 678.32 Td (1,129) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 477.00 678.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 678.32 Td (1,068) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 664.32 Td (2.7% senior notes due 2020) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.65 664.32 Td (848) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 664.32 Td (846) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 650.32 Td (4.75% senior notes due 2021) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.65 650.32 Td (399) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 650.32 Td (398) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 636.32 Td (3.5% senior notes due 2022) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.65 636.32 Td (697) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 636.32 Td (696) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 622.32 Td (3.8% senior notes due 2023) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.65 622.32 Td (992) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 622.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 608.32 Td (3.85% senior notes due 2025) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.65 608.32 Td (895) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 608.32 Td (894) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 594.32 Td (4.2% senior notes due 2028) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.65 594.32 Td (990) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 594.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 580.32 Td (4.625% senior notes due 2020) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.65 580.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 580.32 Td (449) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 566.32 Td (T) Tj ET Q q 0 0 0 rg BT 58.76 566.32 Td (erm loan) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.65 566.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 566.32 Td (540) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 552.32 Td (Other borrowings) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 461.65 552.32 Td (9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 553.65 552.32 Td (9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 538.32 Td (T) Tj ET Q q 0 0 0 rg BT 64.76 538.32 Td (otal debt) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 444.15 538.32 Td (5,959) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 538.32 Td (4,900) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 524.32 Td (Less: current maturities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.30 524.37 Td (\(4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 466.65 524.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 550.30 524.37 Td (\(3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 524.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 510.32 Td (Long-term debt) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 386.00 510.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 444.15 510.32 Td (5,955) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 477.00 510.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 510.32 Td (4,897) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 485.25 Td (The estimated fair value of total debt was ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 218.27 485.25 Td ($6.0 billion) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 264.38 485.25 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 283.82 485.25 Td ($5.0 billion) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 329.94 485.25 Td ( at December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 400.74 485.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 420.74 485.25 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 440.18 485.25 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 460.18 485.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 512.84 485.25 Td (. ) Tj ET Q q 0 0 0 rg BT 517.66 485.25 Td (The ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 473.25 Td (Company was in compliance with all financial debt covenants during ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 329.37 473.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 349.37 473.25 Td (. ) Tj ET Q q 0 0 0 rg BT 353.82 473.25 Td (Annual maturities of the Company) Tj ET Q q 0 0 0 rg BT 495.46 473.25 Td (s total debt were ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 461.25 Td (as follows at December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 161.63 461.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 181.63 461.25 Td (:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 330.75 m 562.5 330.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 330.75 m 562.5 330.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 317.75 m 562.5 317.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 315.75 m 562.5 315.75 l s BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 53 430.91259765625 m 105.509765625 430.91259765625 l s q 0 0 0 rg BT 53.00 432.48 Td (\(In millions\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 419.32 Td (Y) Tj ET Q q 0 0 0 rg BT 59.22 419.32 Td (ear ending December31,) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 405.32 Td (2019) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 471.00 405.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 553.65 405.32 Td (4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 391.32 Td (2020) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 391.32 Td (851) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 377.32 Td (2021) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 377.32 Td (401) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 363.32 Td (2022) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 363.32 Td (697) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 349.32 Td (2023) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 349.32 Td (2,121) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 335.32 Td (Thereafter) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 335.32 Td (1,885) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 321.32 Td (T) Tj ET Q q 0 0 0 rg BT 64.41 321.32 Td (otal) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 471.00 321.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 321.32 Td (5,959) Tj ET Q BT /F2 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 296.25 Td (Revolving Cr) Tj ET Q q 0 0 0 rg BT 102.67 296.25 Td (edit Facility) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 275.25 Td (In September 2018, the Company entered into an amended and restated revolving credit agreement that restated its existing ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 263.25 Td ($2.0billion) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 96.11 263.25 Td ( revolving credit agreement with a syndicate of banks and extended its maturity from ) Tj ET Q q 0 0 0 rg BT 438.23 263.25 Td (April 2020 to September ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 251.25 Td (2023. Borrowings under the amended and restated revolving credit facility continue to bear interest at a variable rate based on ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 239.25 Td (LIBOR or on a base rate, plus in each case a specified mar) Tj ET Q q 0 0 0 rg BT 283.89 239.25 Td (gin based on the Company) Tj ET Q q 0 0 0 rg BT 393.32 239.25 Td (s long-term debt rating in ef) Tj ET Q q 0 0 0 rg BT 505.05 239.25 Td (fect from ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 227.25 Td (time to time. ) Tj ET Q q 0 0 0 rg BT 103.14 227.25 Td (The variable interest rate on the revolving credit facility borrowings was ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 395.54 227.25 Td (3.51%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 421.37 227.25 Td ( at December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 492.17 227.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 512.17 227.25 Td (. ) Tj ET Q q 0 0 0 rg BT 516.99 227.25 Td (There are ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 215.25 Td (no significant commitment fees and no compensating balance requirements. ) Tj ET Q q 0 0 0 rg BT 356.39 215.25 Td (The amended and restated revolving credit facility ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 203.25 Td (contains various restrictions and covenants that require the Company) Tj ET Q q 0 0 0 rg BT 325.39 203.25 Td (, among other things, to: \(1\)limit its consolidated ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 191.25 Td (indebtedness as of the end of each fiscal quarter to no more than three and one-half times the Company) Tj ET Q q 0 0 0 rg BT 465.42 191.25 Td (s consolidated net ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 179.25 Td (earnings before interest, taxes, depreciation, amortization, non-cash char) Tj ET Q q 0 0 0 rg BT 339.98 179.25 Td (ges and expenses and certain other adjustments ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 167.25 Td (\(EBITDA\) during the period of four fiscal quarters then ended, subject to certain exceptions, and \(2\)maintain EBITDA) Tj ET Q q 0 0 0 rg BT 536.78 167.25 Td ( of at ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 155.25 Td (least ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 70.83 155.25 Td (three) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 90.81 155.25 Td ( times its consolidated interest expense as of the end of each fiscal quarter for the period of four fiscal quarters then ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 143.25 Td (ended. On February 6, 2019, the Company entered into an amendment to the amended and restated revolving credit facility to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 131.25 Td (\(1\) amend the maximum leverage ratio covenant to permit it to elect to increase the permitted maximum leverage ratio from ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 119.25 Td (three and one-halftimes the Company) Tj ET Q q 0 0 0 rg BT 205.79 119.25 Td (s EBITDA) Tj ET Q q 0 0 0 rg BT 248.29 119.25 Td ( to either four times or four and one-half times the Company) Tj ET Q q 0 0 0 rg BT 492.94 119.25 Td (s EBITDA) Tj ET Q q 0 0 0 rg BT 535.44 119.25 Td ( for a ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 107.25 Td (specified period following certain acquisitions and \(2\) permit it to make drawings under the revolving credit facility on the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 95.25 Td (closing date of its acquisition of First Data Corporation \(First Data\) subject to only limited conditions \(see Note 12\).) Tj ET Q endstream endobj 129 0 obj <> endobj 130 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (62) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (In addition, on February 15, 2019, the Company entered into a second amendment to its existing revolving credit agreement in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (order to increase the aggregate commitments available thereunder by ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 328.49 730.10 Td ($1.5 billion) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 374.60 730.10 Td ( and to make certain additional amendments to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (facilitate the operation of the combined business following the acquisition of First Data. ) Tj ET Q q 0 0 0 rg BT 404.18 718.10 Td (The increased commitments and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (additional amendments will become ef) Tj ET Q q 0 0 0 rg BT 204.77 706.10 Td (fective upon the satisfaction or waiver of conditions that are substantially similar to the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (conditions to funding under the term loan facility described within Note 12.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 673.10 Td (Senior Notes) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (In September 2018, the Company completed an of) Tj ET Q q 0 0 0 rg BT 251.44 652.10 Td (fering of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 288.64 652.10 Td ($2.0 billion) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 334.76 652.10 Td ( of senior notes comprised of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.62 652.10 Td ($1.0 billion) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 499.73 652.10 Td ( aggregate ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (principal amount of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 131.37 640.10 Td (3.8%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 152.20 640.10 Td ( senior notes due in October 2023 and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 306.61 640.10 Td ($1.0 billion) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 352.72 640.10 Td ( aggregate principal amount of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 477.95 640.10 Td (4.2%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 498.78 640.10 Td ( senior notes ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (due in October 2028. ) Tj ET Q q 0 0 0 rg BT 136.74 628.10 Td (The notes pay interest semi-annually on ) Tj ET Q q 0 0 0 rg BT 298.37 628.10 Td (April 1 and October 1, commencing on ) Tj ET Q q 0 0 0 rg BT 457.22 628.10 Td (April 1, 2019. ) Tj ET Q q 0 0 0 rg BT 515.65 628.10 Td (The ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (Company) Tj ET Q q 0 0 0 rg BT 91.67 616.10 Td (s ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 98.06 616.10 Td (2.7%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 118.89 616.10 Td ( senior notes due in June 2020 and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 259.42 616.10 Td (3.85%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 285.25 616.10 Td ( senior notes due in June 2025 pay interest at the stated rates semi-) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (annually on June 1 and December 1 of each year) Tj ET Q q 0 0 0 rg BT 244.09 604.10 Td (. ) Tj ET Q q 0 0 0 rg BT 248.91 604.10 Td (The Company) Tj ET Q q 0 0 0 rg BT 308.62 604.10 Td (s ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 315.01 604.10 Td (4.75%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 340.84 604.10 Td ( senior notes due in June 2021 pay interest at the stated ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (rate on June 15 and December 15 of each year) Tj ET Q q 0 0 0 rg BT 234.64 592.10 Td (. ) Tj ET Q q 0 0 0 rg BT 239.46 592.10 Td (The Company) Tj ET Q q 0 0 0 rg BT 299.17 592.10 Td (s ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 305.56 592.10 Td (3.5%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 326.39 592.10 Td ( senior notes due in October 2022 pay interest at the stated ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (rate on ) Tj ET Q q 0 0 0 rg BT 79.43 580.10 Td (April 1 and October 1 of each year) Tj ET Q q 0 0 0 rg BT 217.99 580.10 Td (. ) Tj ET Q q 0 0 0 rg BT 222.81 580.10 Td (The interest rate applicable to these notes is subject to an increase of up to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 521.87 580.10 Td (two ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 568.10 Td (percent) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 79.42 568.10 Td ( in the event that the credit rating assigned to such notes is downgraded below investment grade. ) Tj ET Q q 0 0 0 rg BT 467.48 568.10 Td (The indentures ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (governing the senior notes contain covenants that, among other matters, limit \(1\) the Company) Tj ET Q q 0 0 0 rg BT 431.86 556.10 Td (s ability to consolidate or mer) Tj ET Q q 0 0 0 rg BT 550.82 556.10 Td (ge ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (with or into, or convey) Tj ET Q q 0 0 0 rg BT 140.72 544.10 Td (, transfer or lease all or substantially all of its properties and assets to, another person, \(2\) the Company) Tj ET Q q 0 0 0 rg BT 556.45 544.10 Td (s ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (and certain of its subsidiaries) Tj ET Q q 0 0 0 rg BT 169.22 532.10 Td ( ability to create or assume liens, and \(3\) the Company) Tj ET Q q 0 0 0 rg BT 390.55 532.10 Td (s and certain of its subsidiaries) Tj ET Q q 0 0 0 rg BT 516.17 532.10 Td ( ability to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 520.10 Td (engage in sale and leaseback transactions.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 499.10 Td (The Company used the net proceeds from the of) Tj ET Q q 0 0 0 rg BT 242.54 499.10 Td (fering described above to repay the outstanding principal balance of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 487.10 Td ($540million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 101.39 487.10 Td ( under its term loan and the outstanding borrowings under its amended and restated revolving credit facility ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 475.10 Td (totaling ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 83.05 475.10 Td ($1.1 billion) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 129.17 475.10 Td (. In addition, the Company commenced a cash tender of) Tj ET Q q 0 0 0 rg BT 352.52 475.10 Td (fer in September 2018 for any and all of its ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 463.10 Td (outstanding ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 99.17 463.10 Td ($450 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 150.56 463.10 Td ( aggregate principal amount of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 275.79 463.10 Td (4.625%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 306.62 463.10 Td ( senior notes due October 2020. Upon expiration of the tender ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 451.10 Td (of) Tj ET Q q 0 0 0 rg BT 58.15 451.10 Td (fer on September 26, 2018, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 169.51 451.10 Td ($246 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 220.90 451.10 Td ( was tendered. In October 2018, the Company retired the remaining outstanding ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 439.10 Td ($204 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 101.39 439.10 Td ( aggregate principal amount of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 226.62 439.10 Td (4.625%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 257.45 439.10 Td ( senior notes. ) Tj ET Q q 0 0 0 rg BT 312.82 439.10 Td (The Company recorded a pre-tax loss on early debt ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 427.10 Td (extinguishment of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 124.99 427.10 Td ($14million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 171.38 427.10 Td ( related to these activities.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (Debt Issuance Costs) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 385.10 Td (Debt issuance costs are amortized as a component of interest expense over the term of the underlying debt using the ef) Tj ET Q q 0 0 0 rg BT 523.55 385.10 Td (fective ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 373.10 Td (interest method. Debt issuance costs related to the Company) Tj ET Q q 0 0 0 rg BT 294.11 373.10 Td (s senior notes and term loan totaled ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 438.24 373.10 Td ($25 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 484.63 373.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 504.07 373.10 Td ($14 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 550.46 373.10 Td ( at ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 361.10 Td (December 31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 108.58 361.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 128.58 361.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 148.02 361.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 168.02 361.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 220.68 361.10 Td (, and are reported as a direct reduction of the related debt instrument in the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 349.10 Td (consolidated balance sheets. Debt issuance costs related to the Company) Tj ET Q q 0 0 0 rg BT 342.69 349.10 Td (s revolving credit facility are reported in other long-) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 337.10 Td (term assets in the consolidated balance sheets and totaled ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 281.31 337.10 Td ($5 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 322.71 337.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 342.14 337.10 Td ($3 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 383.54 337.10 Td ( at December 31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 454.34 337.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 474.34 337.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 493.77 337.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 513.77 337.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 325.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 97.66 325.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.10 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.00 304.10 Td (. Income ) Tj ET Q q 0 0 0 rg BT 93.98 304.10 Td (T) Tj ET Q q 0 0 0 rg BT 99.73 304.10 Td (axes) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 283.10 Td (Substantially all of the Company) Tj ET Q q 0 0 0 rg BT 184.43 283.10 Td (s pre-tax earnings are derived from domestic operations in all periods presented. ) Tj ET Q q 0 0 0 rg BT 507.38 283.10 Td (A) Tj ET Q q 0 0 0 rg BT 514.05 283.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 271.10 Td (reconciliation of the statutory federal income tax rate to the Company) Tj ET Q q 0 0 0 rg BT 331.57 271.10 Td (s ef) Tj ET Q q 0 0 0 rg BT 345.55 271.10 Td (fective income tax rate for continuing operations is as ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 259.10 Td (follows:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 226.60000000000002 m 396.5 226.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 226.60000000000002 m 479.5 226.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 226.60000000000002 m 562.5 226.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 226.60000000000002 m 396.5 226.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 226.60000000000002 m 479.5 226.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 226.60000000000002 m 562.5 226.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 114.60000000000002 m 396.5 114.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 101.60000000000002 m 396.5 101.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 99.60000000000002 m 396.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 114.60000000000002 m 479.5 114.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 101.60000000000002 m 479.5 101.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 99.60000000000002 m 479.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 114.60000000000002 m 562.5 114.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 101.60000000000002 m 562.5 101.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 99.60000000000002 m 562.5 99.60000000000002 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.50 230.33 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.50 230.33 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.50 230.33 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 217.17 Td (Statutory federal income tax rate) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 366.80 217.17 Td (21.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 387.65 217.17 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 449.80 217.17 Td (35.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 470.65 217.17 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 532.80 217.17 Td (35.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 553.65 217.17 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 203.17 Td (State income taxes, net of federal ef) Tj ET Q q 0 0 0 rg BT 196.45 203.17 Td (fect) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 371.80 203.17 Td (3.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 387.65 203.17 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 454.80 203.17 Td (2.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 470.65 203.17 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 537.80 203.17 Td (2.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 553.65 203.17 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 189.17 Td (Unconsolidated af) Tj ET Q q 0 0 0 rg BT 125.94 189.17 Td (filiate tax) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 371.80 189.17 Td (0.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 387.65 189.17 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 454.80 189.17 Td (0.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 470.65 189.17 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 537.80 189.17 Td (4.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 553.65 189.17 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 175.17 Td (T) Tj ET Q q 0 0 0 rg BT 58.76 175.17 Td (ax expense \(benefit\) due to federal tax reform) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 371.80 175.17 Td (1.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 387.65 175.17 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 446.45 175.17 Td (\(20.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 467.30 175.17 Td (\)%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 540.30 175.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 553.65 175.17 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 161.17 Td (Excess tax benefit from share-based awards) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 368.45 161.17 Td (\(2.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 384.30 161.17 Td (\)%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.45 161.17 Td (\(3.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 467.30 161.17 Td (\)%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 540.30 161.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 553.65 161.17 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 147.17 Td (Sale of business) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 371.80 147.17 Td (1.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 387.65 147.17 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 457.30 147.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 470.65 147.17 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 540.30 147.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 553.65 147.17 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 133.17 Td (Domestic production activities deduction) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 374.30 133.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 387.65 133.17 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.45 133.17 Td (\(2.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 467.30 133.17 Td (\)%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 534.45 133.17 Td (\(3.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 550.30 133.17 Td (\)%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 119.17 Td (Other) Tj ET Q q 0 0 0 rg BT 75.57 119.17 Td (, net) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 368.45 119.17 Td (\(0.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 384.30 119.17 Td (\)%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.45 119.17 Td (\(0.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 467.30 119.17 Td (\)%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 534.45 119.17 Td (\(0.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 550.30 119.17 Td (\)%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 105.17 Td (Ef) Tj ET Q q 0 0 0 rg BT 62.26 105.17 Td (fective income tax rate) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 366.80 105.17 Td (24.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 387.65 105.17 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 449.80 105.17 Td (1) Tj ET Q q 0 0 0 rg BT 454.80 105.17 Td (1.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 470.65 105.17 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 532.80 105.17 Td (38.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 553.65 105.17 Td (%) Tj ET Q BT /F2 10.00 Tf ET endstream endobj 131 0 obj <> endobj 132 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (63) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (The income tax provision \(benefit\) for continuing operations was as follows:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 709.6 m 396.5 709.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 709.6 m 479.5 709.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 709.6 m 562.5 709.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 653.6 m 396.5 653.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 653.6 m 479.5 653.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 653.6 m 562.5 653.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 639.6 m 396.5 639.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 639.6 m 479.5 639.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 639.6 m 562.5 639.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 583.6 m 396.5 583.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 583.6 m 479.5 583.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 583.6 m 562.5 583.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 569.6 m 396.5 569.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 569.6 m 479.5 569.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 569.6 m 562.5 569.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 556.6 m 396.5 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 554.6 m 396.5 554.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 556.6 m 479.5 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 554.6 m 479.5 554.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 556.6 m 562.5 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 554.6 m 562.5 554.6 l s BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 53 711.76259765625 m 105.509765625 711.76259765625 l s q 0 0 0 rg BT 53.00 713.33 Td (\(In millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.50 713.33 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.50 713.33 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.50 713.33 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 700.17 Td (Current:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 686.17 Td (Federal) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 320.00 686.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 377.65 686.17 Td (189) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 403.00 686.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 460.65 686.17 Td (342) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 486.00 686.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 686.17 Td (402) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 672.17 Td (State) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 382.65 672.17 Td (39) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 465.65 672.17 Td (44) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 672.17 Td (53) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 658.17 Td (Foreign) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 382.65 658.17 Td (17) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 465.65 658.17 Td (19) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 658.17 Td (16) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 377.65 644.17 Td (245) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 460.65 644.17 Td (405) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 644.17 Td (471) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 630.17 Td (Deferred:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 616.17 Td (Federal) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 377.65 616.17 Td (1) Tj ET Q q 0 0 0 rg BT 382.65 616.17 Td (10) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 457.30 616.22 Td (\(250) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 475.65 616.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 616.17 Td (21) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 602.17 Td (State) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 382.65 602.17 Td (24) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 470.65 602.17 Td (3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 553.65 602.17 Td (5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 588.17 Td (Foreign) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 384.30 588.22 Td (\(1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 392.65 588.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 465.65 588.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 550.30 588.22 Td (\(5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 588.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 377.65 574.17 Td (133) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 457.30 574.22 Td (\(247) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 475.65 574.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 574.17 Td (21) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 560.17 Td (Income tax provision) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 320.00 560.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 377.65 560.17 Td (378) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 403.00 560.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 460.65 560.17 Td (158) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 486.00 560.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 560.17 Td (492) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 535.10 Td (Significant components of deferred tax assets and liabilities consisted of the following at December31:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 502.6 m 472.5 502.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 502.6 m 562.5 502.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 502.6 m 472.5 502.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 502.6 m 562.5 502.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 418.6 m 472.5 418.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 418.6 m 562.5 418.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 390.6 m 472.5 390.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 390.6 m 562.5 390.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 376.6 m 472.5 376.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 376.6 m 562.5 376.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 286.6 m 472.5 286.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 286.6 m 562.5 286.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 272.6 m 472.5 272.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 272.6 m 562.5 272.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 259.6 m 472.5 259.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 257.6 m 472.5 257.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 259.6 m 562.5 259.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 257.6 m 562.5 257.6 l s BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 53 504.76259765625 m 105.509765625 504.76259765625 l s q 0 0 0 rg BT 53.00 506.33 Td (\(In millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.00 506.33 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.00 506.33 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 493.17 Td (Accrued expenses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 389.00 493.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.65 493.17 Td (74) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 479.00 493.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 493.17 Td (39) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 479.17 Td (Interest rate hedge contracts) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.65 479.17 Td (5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 553.65 479.17 Td (9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 465.17 Td (Share-based compensation) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.65 465.17 Td (43) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 465.17 Td (40) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 451.17 Td (Net operating loss and credit carry-forwards) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.65 451.17 Td (131) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 451.17 Td (131) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 437.17 Td (Deferred revenue) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.65 437.17 Td (1) Tj ET Q q 0 0 0 rg BT 463.65 437.17 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 437.17 Td (17) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 423.17 Td (Other) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.65 423.17 Td (14) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 553.65 423.17 Td (7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 409.17 Td (Subtotal) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.65 409.17 Td (278) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 409.17 Td (243) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 395.17 Td (V) Tj ET Q q 0 0 0 rg BT 59.67 395.17 Td (aluation allowance) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 450.30 395.22 Td (\(101) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.65 395.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 540.30 395.22 Td (\(103) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 395.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 381.17 Td (T) Tj ET Q q 0 0 0 rg BT 64.76 381.17 Td (otal deferred tax assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.65 381.17 Td (177) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 381.17 Td (140) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 361.17 Td (Capitalized software development costs) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 450.30 361.22 Td (\(129) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.65 361.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 540.30 361.22 Td (\(1) Tj ET Q q 0 0 0 rg BT 548.63 361.22 Td (17) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 361.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 347.17 Td (Intangible assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 450.30 347.22 Td (\(437) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.65 347.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 540.30 347.22 Td (\(455) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 347.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 333.17 Td (Property and equipment) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 455.30 333.22 Td (\(66) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.65 333.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 545.30 333.22 Td (\(49) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 333.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 319.17 Td (Capitalized commissions) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 455.30 319.22 Td (\(80) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.65 319.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 319.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 305.17 Td (Investment in joint ventures) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 455.30 305.22 Td (\(78) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.65 305.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 305.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 291.17 Td (Other) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 450.30 291.22 Td (\(1) Tj ET Q q 0 0 0 rg BT 458.63 291.22 Td (12) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.65 291.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 545.30 291.22 Td (\(48) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 291.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 277.17 Td (T) Tj ET Q q 0 0 0 rg BT 64.41 277.17 Td (otal deferred tax liabilities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 450.30 277.22 Td (\(902) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.65 277.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 540.30 277.22 Td (\(669) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 277.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 263.17 Td (T) Tj ET Q q 0 0 0 rg BT 58.41 263.17 Td (otal) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 389.00 263.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 450.30 263.22 Td (\(725) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.65 263.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 479.00 263.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 540.30 263.22 Td (\(529) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 263.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (The valuation allowance decreased by ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 205.21 238.10 Td ($2 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 246.60 238.10 Td (, from ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 273.54 238.10 Td ($103 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.93 238.10 Td ( at December 31, 2017 to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 428.51 238.10 Td ($101 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 479.90 238.10 Td ( at December 31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 70.00 226.10 Td (. Of the decrease in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 149.96 226.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 169.96 226.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 174.96 226.10 Td ($1 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 216.35 226.10 Td ( was recorded to the income tax provision.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 205.10 Td (Deferred tax assets and liabilities are reported in the consolidated balance sheets as follows at December31:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 172.60000000000002 m 472.5 172.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 172.60000000000002 m 562.5 172.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 172.60000000000002 m 472.5 172.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 172.60000000000002 m 562.5 172.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 144.60000000000002 m 472.5 144.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 144.60000000000002 m 562.5 144.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 144.60000000000002 m 472.5 144.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 131.60000000000002 m 472.5 131.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 129.60000000000002 m 472.5 129.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 144.60000000000002 m 562.5 144.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 131.60000000000002 m 562.5 131.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 129.60000000000002 m 562.5 129.60000000000002 l s BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 53 174.76259765625002 m 105.509765625 174.76259765625002 l s q 0 0 0 rg BT 53.00 176.33 Td (\(In millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.00 176.33 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.00 176.33 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 163.17 Td (Noncurrent assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 389.00 163.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.65 163.17 Td (20) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 479.00 163.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 163.17 Td (23) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 149.17 Td (Noncurrent liabilities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 450.30 149.22 Td (\(745) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.65 149.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 540.30 149.22 Td (\(552) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 149.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 135.17 Td (T) Tj ET Q q 0 0 0 rg BT 58.41 135.17 Td (otal) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 389.00 135.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 450.30 135.22 Td (\(725) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.65 135.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 479.00 135.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 540.30 135.22 Td (\(529) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 135.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 110.10 Td (Noncurrent deferred tax assets are included in other long-term assets at December 31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 395.42 110.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 415.42 110.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 434.86 110.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 454.86 110.10 Td (.) Tj ET Q endstream endobj 133 0 obj <> endobj 134 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (64) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (On ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 64.72 742.10 Td (December22, 2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 143.31 742.10 Td (, the U.S. government enacted comprehensive tax legislation commonly referred to as the ) Tj ET Q q 0 0 0 rg BT 503.56 742.10 Td (T) Tj ET Q q 0 0 0 rg BT 508.97 742.10 Td (ax ) Tj ET Q q 0 0 0 rg BT 520.36 742.10 Td (Act. ) Tj ET Q q 0 0 0 rg BT 539.62 742.10 Td (The ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 730.10 Td (ax ) Tj ET Q q 0 0 0 rg BT 66.80 730.10 Td (Act made broad changes to the U.S. tax code, including, but not limited to, \(1\) reducing the U.S. federal corporate tax rate ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (from ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.94 718.10 Td (35 percent) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 113.86 718.10 Td ( to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 126.64 718.10 Td (21 percent) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 168.56 718.10 Td ( beginning in 2018; \(2\) requiring companies to pay a one-time transition tax on certain un-) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (repatriated earnings of foreign subsidiaries; \(3\) generally eliminating U.S. federal income taxes on dividends from foreign ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (subsidiaries; \(4\) requiring U.S. federal taxable income to include certain earnings of controlled foreign corporations; and \(5\) ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (creating a new limitation on deductible interest expense. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 661.10 Td (The Company recorded a provisional income tax benefit totaling ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 311.31 661.10 Td ($275 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 362.70 661.10 Td ( in 2017 related to the reduction of the U.S. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 649.10 Td (federal corporate tax rate and other provisions of the ) Tj ET Q q 0 0 0 rg BT 262.23 649.10 Td (T) Tj ET Q q 0 0 0 rg BT 267.64 649.10 Td (ax ) Tj ET Q q 0 0 0 rg BT 279.03 649.10 Td (Act. ) Tj ET Q q 0 0 0 rg BT 298.29 649.10 Td (The Internal Revenue Service issued new guidance with respect ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 637.10 Td (to the treatment of foreign tax credits in 2018 af) Tj ET Q q 0 0 0 rg BT 241.70 637.10 Td (fecting the computation of the Company) Tj ET Q q 0 0 0 rg BT 406.38 637.10 Td (s 2017 federal income tax liability) Tj ET Q q 0 0 0 rg BT 542.64 637.10 Td (. ) Tj ET Q q 0 0 0 rg BT 547.08 637.10 Td (As ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 625.10 Td (a result of this new guidance and additional analysis of the impact of the ) Tj ET Q q 0 0 0 rg BT 341.96 625.10 Td (T) Tj ET Q q 0 0 0 rg BT 347.37 625.10 Td (ax ) Tj ET Q q 0 0 0 rg BT 358.75 625.10 Td (Act, the Company revised its prior estimates and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 613.10 Td (recorded ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 87.48 613.10 Td ($19 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 133.87 613.10 Td ( of tax expense related to the ) Tj ET Q q 0 0 0 rg BT 251.14 613.10 Td (T) Tj ET Q q 0 0 0 rg BT 256.55 613.10 Td (ax ) Tj ET Q q 0 0 0 rg BT 267.93 613.10 Td (Act during 2018. ) Tj ET Q q 0 0 0 rg BT 337.93 613.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 387.27 613.10 Td (, any and all provisional amounts ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 601.10 Td (previously recorded in accordance with the ) Tj ET Q q 0 0 0 rg BT 224.75 601.10 Td (T) Tj ET Q q 0 0 0 rg BT 230.16 601.10 Td (ax ) Tj ET Q q 0 0 0 rg BT 241.54 601.10 Td (Act have been adjusted to reflect their final amounts.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (The Company has analyzed its global working capital and cash requirements and the potential tax liabilities attributable to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 568.10 Td (repatriation of earnings, and has determined not to change its prior assertion. ) Tj ET Q q 0 0 0 rg BT 358.80 568.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 408.13 568.10 Td (, the Company has not recorded any ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (deferred taxes attributable to investments in foreign subsidiaries for which it is permanently reinvested.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 535.10 Td (Unrecognized tax benefits were as follows:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 502.6 m 400.5 502.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 502.6 m 481.5 502.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 502.6 m 562.5 502.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 502.6 m 400.5 502.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 502.6 m 481.5 502.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 502.6 m 562.5 502.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 418.6 m 400.5 418.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 418.6 m 481.5 418.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 418.6 m 562.5 418.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 405.6 m 400.5 405.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 403.6 m 400.5 403.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 405.6 m 481.5 405.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 403.6 m 481.5 403.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 405.6 m 562.5 405.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 403.6 m 562.5 403.6 l s BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 53 504.76259765625 m 105.509765625 504.76259765625 l s q 0 0 0 rg BT 53.00 506.33 Td (\(In millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.50 506.33 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.50 506.33 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.50 506.33 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 493.17 Td (Unrecognized tax benefits - Beginning of year) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 326.00 493.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 386.65 493.17 Td (42) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 407.00 493.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 467.65 493.17 Td (45) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 488.00 493.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 493.17 Td (54) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 479.17 Td (Increases for tax positions taken during the current year) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 391.65 479.17 Td (3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 467.65 479.17 Td (1) Tj ET Q q 0 0 0 rg BT 472.65 479.17 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 553.65 479.17 Td (9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 465.17 Td (Increases for tax positions taken in prior years) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 386.65 465.17 Td (20) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 472.65 465.17 Td (2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 553.65 465.17 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 451.17 Td (Decreases for tax positions taken in prior years) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 388.30 451.22 Td (\(8) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 396.65 451.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 464.30 451.22 Td (\(15) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 477.65 451.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 545.30 451.22 Td (\(15) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 451.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 437.17 Td (Decreases for settlements) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 386.65 437.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 469.30 437.22 Td (\(1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 477.65 437.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 550.30 437.22 Td (\(2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 437.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 423.17 Td (Lapse of the statute of limitations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 388.30 423.22 Td (\(8) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 396.65 423.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 467.65 423.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 550.30 423.22 Td (\(2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 423.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 409.17 Td (Unrecognized tax benefits - End of year) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 326.00 409.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 386.65 409.17 Td (49) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 407.00 409.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 467.65 409.17 Td (42) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 488.00 409.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 409.17 Td (45) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 384.10 Td (At December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 121.08 384.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 141.08 384.10 Td (, unrecognized tax benefits of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 262.15 384.10 Td ($35 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 308.54 384.10 Td (, net of federal and state benefits, would af) Tj ET Q q 0 0 0 rg BT 478.85 384.10 Td (fect the ef) Tj ET Q q 0 0 0 rg BT 518.64 384.10 Td (fective ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 372.10 Td (income tax rate from continuing operations if recognized. In ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 293.80 372.10 Td (2019) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 313.80 372.10 Td (, reductions to unrecognized tax benefits for decreases in tax ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 360.10 Td (positions taken in prior years, settlements and the lapse of statutes of limitations are estimated to total approximately ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 348.10 Td ($3million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 91.39 348.10 Td (. ) Tj ET Q q 0 0 0 rg BT 96.21 348.10 Td (The Company classifies interest expense and penalties related to income taxes as components of its income tax ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 336.10 Td (provision. ) Tj ET Q q 0 0 0 rg BT 92.60 336.10 Td (The income tax provision from continuing operations included interest expense and penalties on unrecognized tax ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 324.10 Td (benefits of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 94.99 324.10 Td ($1 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 136.38 324.10 Td ( in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 149.16 324.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 169.16 324.10 Td (, and less than ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 228.31 324.10 Td ($1 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 269.70 324.10 Td ( in each of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 314.13 324.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 334.13 324.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 353.56 324.10 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 373.56 324.10 Td (. ) Tj ET Q q 0 0 0 rg BT 378.01 324.10 Td (Accrued interest expense and penalties ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 312.10 Td (related to unrecognized tax benefits totaled ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 224.93 312.10 Td ($4 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 266.32 312.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 285.76 312.10 Td ($3 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 327.15 312.10 Td ( at December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 397.95 312.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 417.95 312.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 437.39 312.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 457.39 312.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 510.05 312.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 291.10 Td (The Company) Tj ET Q q 0 0 0 rg BT 109.71 291.10 Td (s federal tax returns for 2016 through ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 261.61 291.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 281.61 291.10 Td (, and tax returns in certain states and foreign jurisdictions for 2005 ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 279.10 Td (through ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 83.61 279.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 103.61 279.10 Td ( remain subject to examination by taxing authorities. ) Tj ET Q q 0 0 0 rg BT 316.06 279.10 Td (At December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 387.14 279.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 407.14 279.10 Td (, the Company had federal net ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 267.10 Td (operating loss carry-forwards of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 181.06 267.10 Td ($27 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 227.46 267.10 Td (, which expire in 2019 through 2036, state net operating loss carry-forwards of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 255.10 Td ($479million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 101.39 255.10 Td (, which expire in 2019 through 2038, and foreign net operating loss carry-forwards of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 446.30 255.10 Td ($465 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 497.69 255.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 502.69 255.10 Td ($42 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.08 255.10 Td ( of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 243.10 Td (which expire in 2027 through 2038, and the remainder of which do not expire.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 222.10 Td (8. Employee Stock and Savings Plans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 201.10 Td (Stock Plans) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 180.10 Td (The Company recognizes the fair value of share-based compensation awards granted to employees in cost of processing and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 168.10 Td (services, cost of product, and selling, general and administrative expense in its consolidated statements of income.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 147.10 Td (The Company) Tj ET Q q 0 0 0 rg BT 109.71 147.10 Td (s share-based compensation primarily consists of the following:) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 86.00 126.10 Td (Stock Options) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 141.83 126.10 Td ( ) Tj ET Q q 0 0 0 rg BT 151.64 126.10 Td (The Company grants stock options to employees and non-employee directors at exercise prices equal ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 114.10 Td (to the fair market value of the Company) Tj ET Q q 0 0 0 rg BT 249.00 114.10 Td (s stock on the dates of grant, which are typically in the first quarter of the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 102.10 Td (year) Tj ET Q q 0 0 0 rg BT 102.66 102.10 Td (. Stock options generally vest over a ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 250.40 102.10 Td (three) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 270.38 102.10 Td (-year period beginning on the first anniversary of the grant. ) Tj ET Q q 0 0 0 rg BT 509.48 102.10 Td (All stock ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 90.10 Td (options expire ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 145.43 90.10 Td (ten) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 157.65 90.10 Td ( years from the date of the award. ) Tj ET Q q 0 0 0 rg BT 294.35 90.10 Td (The Company recognizes compensation expense for the fair value ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 78.10 Td (of the stock options over the requisite service period of the stock option award.) Tj ET Q endstream endobj 135 0 obj <> endobj 136 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (65) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 86.00 742.10 Td (Restricted Stock Units) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 174.87 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 184.69 742.10 Td (The Company awards restricted stock units to employees and non-employee directors. ) Tj ET Q q 0 0 0 rg BT 532.19 742.10 Td (The ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 730.10 Td (Company recognizes compensation expense for restricted stock units based on the market price of the common stock ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 718.10 Td (on the date of award over the period during which the awards vest. Restricted stock units generally vest over a ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 529.47 718.10 Td (three) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.46 718.10 Td (-) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 706.10 Td (year period beginning on the second anniversary of the award. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 86.00 685.10 Td (Performance Shar) Tj ET Q q 0 0 0 rg BT 159.23 685.10 Td (e Units) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 187.84 685.10 Td ( ) Tj ET Q q 0 0 0 rg BT 197.66 685.10 Td (The Company awards performance share units to employees. ) Tj ET Q q 0 0 0 rg BT 444.34 685.10 Td (The number of shares issued ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 673.10 Td (at the end of the performance period is determined by the level of achievement of pre-determined performance and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 661.10 Td (market goals, including earnings, revenue growth and shareholder return. ) Tj ET Q q 0 0 0 rg BT 381.28 661.10 Td (The Company recognizes compensation ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 649.10 Td (expense on performance share units ratably over the requisite performance period of the award to the extent ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 637.10 Td (management views the performance goals as probable of attainment. ) Tj ET Q q 0 0 0 rg BT 362.94 637.10 Td (The Company recognizes compensation expense ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 625.10 Td (for the fair value of the shareholder return component over the requisite service period of the award.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 86.00 604.10 Td (Employee Stock Pur) Tj ET Q q 0 0 0 rg BT 166.71 604.10 Td (chase Plan) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 210.86 604.10 Td ( ) Tj ET Q q 0 0 0 rg BT 220.68 604.10 Td (The Company maintains an employee stock purchase plan that allows eligible ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 592.10 Td (employees to purchase a limited number of shares of common stock each quarter through payroll deductions at ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 532.25 592.10 Td (85%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 550.58 592.10 Td ( of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 580.10 Td (the closing price of the Company) Tj ET Q q 0 0 0 rg BT 221.80 580.10 Td (s common stock on the last business day of each calendar quarter) Tj ET Q q 0 0 0 rg BT 482.00 580.10 Td (. ) Tj ET Q q 0 0 0 rg BT 486.82 580.10 Td (The Company ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 568.10 Td (recognizes compensation expense related to the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 278.70 568.10 Td (15%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 297.03 568.10 Td ( discount on the purchase date.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 547.10 Td (Share-based compensation expense was ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 212.17 547.10 Td ($73 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 258.56 547.10 Td ( in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 271.34 547.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 291.34 547.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 296.34 547.10 Td ($63 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 342.73 547.10 Td ( in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 355.51 547.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 375.51 547.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 394.95 547.10 Td ($68 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 441.34 547.10 Td ( in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 454.12 547.10 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 474.12 547.10 Td (. ) Tj ET Q q 0 0 0 rg BT 478.94 547.10 Td (The income tax ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 535.10 Td (benefits related to share-based compensation totaled ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 261.59 535.10 Td ($13 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 307.98 535.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 312.98 535.10 Td ($21 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 359.37 535.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 378.81 535.10 Td ($23million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 425.20 535.10 Td ( in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 437.98 535.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 457.98 535.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 462.98 535.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 482.98 535.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 502.42 535.10 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 522.42 535.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 523.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 97.66 523.10 Td (. ) Tj ET Q q 0 0 0 rg BT 102.11 523.10 Td (At December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 173.19 523.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 193.19 523.10 Td (, the total remaining unrecognized compensation cost for unvested stock options, restricted ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 511.10 Td (stock units and performance share units, net of estimated forfeitures, of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 337.41 511.10 Td ($67 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 383.80 511.10 Td ( is expected to be recognized over a ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 499.10 Td (weighted-average period of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 162.45 499.10 Td (2.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 174.95 499.10 Td ( years.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (The weighted-average estimated fair value of stock options granted during ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 350.45 478.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 370.45 478.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 375.45 478.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 395.45 478.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 414.89 478.10 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 434.89 478.10 Td ( was ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 455.44 478.10 Td ($22.48) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 482.94 478.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 487.94 478.10 Td ($18.76) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 515.44 478.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td ($15.74) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.50 466.10 Td ( per share, respectively) Tj ET Q q 0 0 0 rg BT 169.03 466.10 Td (. ) Tj ET Q q 0 0 0 rg BT 173.85 466.10 Td (The fair values of stock options granted were estimated on the date of grant using a binomial ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (option-pricing model with the following assumptions:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 430.6 m 403.5 430.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 430.6 m 482.5 430.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 430.6 m 562.5 430.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 430.6 m 403.5 430.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 430.6 m 482.5 430.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 430.6 m 562.5 430.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.50 434.33 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.50 434.33 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.00 434.33 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 421.17 Td (Expected life \(in years\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 387.50 421.17 Td (6.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 466.50 421.17 Td (6.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 546.50 421.17 Td (6.4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 407.17 Td (A) Tj ET Q q 0 0 0 rg BT 59.85 407.17 Td (verage risk-free interest rate) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 382.15 407.17 Td (2.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 394.65 407.17 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 461.15 407.17 Td (2.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 473.65 407.17 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 541.15 407.17 Td (1.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 553.65 407.17 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 393.17 Td (Expected volatility) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 377.15 393.17 Td (28.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 394.65 393.17 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.15 393.17 Td (28.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 473.65 393.17 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 393.17 Td (29.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 553.65 393.17 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 379.17 Td (Expected dividend yield) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 389.65 379.17 Td (0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 394.65 379.17 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.65 379.17 Td (0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 473.65 379.17 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 379.17 Td (0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 553.65 379.17 Td (%) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 354.10 Td (The Company determined the expected life of stock options using historical data adjusted for known factors that could alter ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 342.10 Td (historical exercise behavior) Tj ET Q q 0 0 0 rg BT 159.40 342.10 Td (. ) Tj ET Q q 0 0 0 rg BT 164.22 342.10 Td (The risk-free interest rate is based on the U.S. treasury yield curve in ef) Tj ET Q q 0 0 0 rg BT 449.77 342.10 Td (fect as of the grant date. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 330.10 Td (Expected volatility is determined using weighted-average implied market volatility combined with historical volatility) Tj ET Q q 0 0 0 rg BT 522.01 330.10 Td (. ) Tj ET Q q 0 0 0 rg BT 526.83 330.10 Td (The ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 318.10 Td (Company believes that a blend of historical volatility and implied volatility better reflects future market conditions and better ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 306.10 Td (indicates expected volatility than purely historical volatility) Tj ET Q q 0 0 0 rg BT 287.62 306.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 285.10 Td (A) Tj ET Q q 0 0 0 rg BT 56.67 285.10 Td ( summary of stock option activity is as follows:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 269.5 220.60000000000002 m 340.5 220.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 220.60000000000002 m 409.5 220.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.5 220.60000000000002 m 488.5 220.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 220.60000000000002 m 562.5 220.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 269.5 220.60000000000002 m 340.5 220.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 220.60000000000002 m 409.5 220.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.5 220.60000000000002 m 488.5 220.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 220.60000000000002 m 562.5 220.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 269.5 160.60000000000002 m 340.5 160.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 160.60000000000002 m 409.5 160.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.5 160.60000000000002 m 488.5 160.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 160.60000000000002 m 562.5 160.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 269.5 146.60000000000002 m 340.5 146.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 269.5 144.60000000000002 m 340.5 144.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 146.60000000000002 m 409.5 146.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 144.60000000000002 m 409.5 144.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.5 160.60000000000002 m 488.5 160.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.5 146.60000000000002 m 488.5 146.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.5 144.60000000000002 m 488.5 144.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 160.60000000000002 m 562.5 160.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 146.60000000000002 m 562.5 146.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 144.60000000000002 m 562.5 144.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 269.5 131.60000000000002 m 340.5 131.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 269.5 129.60000000000002 m 340.5 129.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 131.60000000000002 m 409.5 131.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 129.60000000000002 m 409.5 129.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.5 131.60000000000002 m 488.5 131.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.5 129.60000000000002 m 488.5 129.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 131.60000000000002 m 562.5 131.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 129.60000000000002 m 562.5 129.60000000000002 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.10 235.28 Td (Shar) Tj ET Q q 0 0 0 rg BT 310.48 235.28 Td (es) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.50 225.28 Td (\(Inthousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.55 255.28 Td (W) Tj ET Q q 0 0 0 rg BT 364.00 255.28 Td (eighted-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.10 245.28 Td (A) Tj ET Q q 0 0 0 rg BT 365.58 245.28 Td (verage) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.50 235.28 Td (Exer) Tj ET Q q 0 0 0 rg BT 378.87 235.28 Td (cise) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.35 225.28 Td (Price) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.55 265.28 Td (W) Tj ET Q q 0 0 0 rg BT 438.00 265.28 Td (eighted-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.10 255.28 Td (A) Tj ET Q q 0 0 0 rg BT 439.58 255.28 Td (verage) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.15 245.28 Td (Remaining) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.65 235.28 Td (Contractual) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.45 225.28 Td (T) Tj ET Q q 0 0 0 rg BT 428.20 225.28 Td (erm \(Y) Tj ET Q q 0 0 0 rg BT 457.35 225.28 Td (ears\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.15 255.28 Td (Aggr) Tj ET Q q 0 0 0 rg BT 526.63 255.28 Td (egate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.65 245.28 Td (Intrinsic) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.95 235.28 Td (V) Tj ET Q q 0 0 0 rg BT 521.25 235.28 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.70 225.28 Td (\(Inmillions\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 211.17 Td (Stock options outstanding - December 31, 2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 309.15 210.27 Td (13,791) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 347.00 210.27 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 383.15 210.27 Td (28.17) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 196.17 Td (Granted) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 314.15 195.27 Td (1,283) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 383.15 195.27 Td (70.1) Tj ET Q q 0 0 0 rg BT 400.65 195.27 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 181.17 Td (Forfeited) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 318.30 180.32 Td (\(332) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 336.65 180.27 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 383.15 180.27 Td (57.65) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 166.17 Td (Exercised) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 310.80 165.32 Td (\(2,690) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 336.65 165.27 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 383.15 165.27 Td (18.62) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 151.17 Td (Stock options outstanding - December 31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 309.15 150.27 Td (12,052) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 347.00 150.27 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 383.15 150.27 Td (33.96) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 472.50 150.27 Td (5.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 495.00 150.27 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 150.27 Td (477) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 136.17 Td (Stock options exercisable - December 31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 314.15 135.27 Td (9,319) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 347.00 135.27 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 383.15 135.27 Td (26.20) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 472.50 135.27 Td (4.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 495.00 135.27 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 135.27 Td (441) Tj ET Q BT /F2 10.00 Tf ET endstream endobj 137 0 obj <> endobj 138 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (66) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (A) Tj ET Q q 0 0 0 rg BT 56.67 742.10 Td ( summary of restricted stock and performance share unit activity is as follows:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 247.5 715.6 m 322.5 715.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 715.6 m 326.5 715.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 715.6 m 402.5 715.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 715.6 m 482.5 715.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 715.6 m 486.5 715.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 715.6 m 562.5 715.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 247.5 672.6 m 322.5 672.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 672.6 m 402.5 672.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 672.6 m 482.5 672.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 672.6 m 562.5 672.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 247.5 672.6 m 322.5 672.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 672.6 m 402.5 672.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 672.6 m 482.5 672.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 672.6 m 562.5 672.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 247.5 616.6 m 322.5 616.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 616.6 m 402.5 616.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 247.5 603.6 m 322.5 603.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 247.5 601.6 m 322.5 601.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 616.6 m 402.5 616.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 603.6 m 402.5 603.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 601.6 m 402.5 601.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 616.6 m 482.5 616.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 603.6 m 482.5 603.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 601.6 m 482.5 601.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 616.6 m 562.5 616.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 603.6 m 562.5 603.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 601.6 m 562.5 601.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.70 720.28 Td (Restricted Stock Units) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.90 720.28 Td (Performance Shar) Tj ET Q q 0 0 0 rg BT 508.39 720.28 Td (e Units) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.10 687.28 Td (Shar) Tj ET Q q 0 0 0 rg BT 290.48 687.28 Td (es) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.50 677.28 Td (\(Inthousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.05 706.33 Td (W) Tj ET Q q 0 0 0 rg BT 351.50 706.33 Td (eighted-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.60 696.33 Td (A) Tj ET Q q 0 0 0 rg BT 353.08 696.33 Td (verage) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.70 686.33 Td (Grant Date) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 341.70 676.33 Td (Fair) Tj ET Q q 0 0 0 rg BT 359.84 676.33 Td ( ) Tj ET Q q 0 0 0 rg BT 362.16 676.33 Td (V) Tj ET Q q 0 0 0 rg BT 368.47 676.33 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.60 687.28 Td (Shar) Tj ET Q q 0 0 0 rg BT 450.07 687.28 Td (es) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.00 677.28 Td (\(Inthousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 502.05 706.33 Td (W) Tj ET Q q 0 0 0 rg BT 511.50 706.33 Td (eighted-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.60 696.33 Td (A) Tj ET Q q 0 0 0 rg BT 513.08 696.33 Td (verage) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.70 686.33 Td (Grant Date) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.70 676.33 Td (Fair) Tj ET Q q 0 0 0 rg BT 519.84 676.33 Td ( ) Tj ET Q q 0 0 0 rg BT 522.16 676.33 Td (V) Tj ET Q q 0 0 0 rg BT 528.47 676.33 Td (alue) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 663.17 Td (Units - December 31, 2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 296.15 663.17 Td (1,942) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 329.00 663.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 376.15 663.17 Td (44.35) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.65 663.17 Td (402) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 489.00 663.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 663.17 Td (52.16) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 649.17 Td (Granted) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.65 649.17 Td (569) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 376.15 649.17 Td (71.13) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.65 649.17 Td (164) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 649.17 Td (75.40) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 635.17 Td (Forfeited) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 300.30 635.22 Td (\(173) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 318.65 635.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 376.15 635.17 Td (54.72) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 465.30 635.22 Td (\(42) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 478.65 635.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 635.17 Td (55.42) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 621.17 Td (V) Tj ET Q q 0 0 0 rg BT 65.11 621.17 Td (ested) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 300.30 621.22 Td (\(517) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 318.65 621.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 376.15 621.17 Td (39.03) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.65 621.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 621.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 607.17 Td (Units - December 31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 296.15 607.17 Td (1,821) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 329.00 607.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 376.15 607.17 Td (53.22) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.65 607.17 Td (524) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 489.00 607.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 607.17 Td (57.60) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 582.10 Td (The table below presents additional information related to stock option and restricted stock unit activity:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 558.6 m 403.5 558.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 558.6 m 482.5 558.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 558.6 m 562.5 558.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 558.6 m 403.5 558.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 558.6 m 482.5 558.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 558.6 m 562.5 558.6 l s BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 53 560.76259765625 m 105.509765625 560.76259765625 l s q 0 0 0 rg BT 53.00 562.33 Td (\(In millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.50 562.33 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.50 562.33 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.00 562.33 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 549.17 Td (T) Tj ET Q q 0 0 0 rg BT 58.76 549.17 Td (otal intrinsic value of stock options exercised) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 331.00 549.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 384.65 549.17 Td (147) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 410.00 549.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.65 549.17 Td (1) Tj ET Q q 0 0 0 rg BT 468.65 549.17 Td (16) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 489.00 549.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 549.17 Td (1) Tj ET Q q 0 0 0 rg BT 548.65 549.17 Td (13) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 535.17 Td (Fair value of restricted stock units vested) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 389.65 535.17 Td (37) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.65 535.17 Td (61) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 535.17 Td (58) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 521.17 Td (Income tax benefit from stock options exercised and restricted) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 62.00 511.22 Td (stock units vested) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 389.65 513.27 Td (43) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.65 513.27 Td (66) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 513.27 Td (62) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 499.17 Td (Cash received from stock options exercised) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 389.65 499.17 Td (29) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.65 499.17 Td (36) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 499.17 Td (39) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 474.10 Td (As of December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 133.03 474.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 153.03 474.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 158.03 474.10 Td (35.5 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 206.92 474.10 Td ( share-based awards were available for grant under the ) Tj ET Q q 0 0 0 rg BT 427.09 474.10 Td (Amended and Restated Fiserv) Tj ET Q q 0 0 0 rg BT 546.69 474.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 462.10 Td (Inc. 2007 Omnibus Incentive Plan. Under its employee stock purchase plan, the Company issued ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 440.20 462.10 Td (0.7 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 484.09 462.10 Td ( shares in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 524.36 462.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 544.36 462.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 549.36 462.10 Td (0.8 ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 450.10 Td (million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 78.89 450.10 Td ( shares in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 119.16 450.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 139.16 450.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 158.60 450.10 Td (0.9 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 202.49 450.10 Td ( shares in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 242.76 450.10 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 262.76 450.10 Td (. ) Tj ET Q q 0 0 0 rg BT 267.21 450.10 Td (As of December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 350.23 450.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 370.23 450.10 Td (, there were ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 419.65 450.10 Td (25.3 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.54 450.10 Td ( shares available for ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 438.10 Td (issuance under the employee stock purchase plan. ) Tj ET Q q 0 0 0 rg BT 251.42 438.10 Td (The number of shares remaining available for future issuance under the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 426.10 Td (employee stock purchase plan is subject to an annual increase on the first day of each fiscal year equal to the lesser of \(i\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 534.81 426.10 Td (4.0 ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 414.10 Td (million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 78.89 414.10 Td ( shares, \(ii\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 126.10 414.10 Td (1%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 139.43 414.10 Td ( of the shares of the Company) Tj ET Q q 0 0 0 rg BT 262.18 414.10 Td (s common stock outstanding on such date or \(iii\)a lesser amount ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 402.10 Td (determined by the Company) Tj ET Q q 0 0 0 rg BT 166.36 402.10 Td (s board of directors.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 381.10 Td (Employee Savings Plans) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 360.10 Td (The Company and its subsidiaries have defined contribution savings plans covering substantially all employees. Under the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 348.10 Td (plans, eligible participants may elect to contribute a specified percentage of their salaries and the Company makes matching ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 336.10 Td (contributions, each subject to certain limitations. Expenses for company contributions under these plans totaled ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 497.67 336.10 Td ($44 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 544.06 336.10 Td ( in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 324.10 Td (each of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.65 324.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 101.65 324.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 121.08 324.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 141.08 324.10 Td (, and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 163.02 324.10 Td ($42 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 209.41 324.10 Td ( in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 222.19 324.10 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 242.19 324.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 303.10 Td (9. Leases, Commitments and Contingencies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 282.10 Td (Leases) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 261.10 Td (The Company leases certain facilities and equipment under operating leases. Most leases contain renewal options for varying ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 249.10 Td (periods. Future minimum rental payments on operating leases with initial non-cancellable lease terms in excess of one year ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 237.10 Td (were due as follows at December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 200.50 237.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 220.50 237.10 Td (:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 106.60000000000002 m 562.5 106.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 93.60000000000002 m 562.5 93.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 91.60000000000002 m 562.5 91.60000000000002 l s BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 53 206.76259765625002 m 105.509765625 206.76259765625002 l s q 0 0 0 rg BT 53.00 208.33 Td (\(In millions\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 470.00 208.85 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 195.17 Td (Y) Tj ET Q q 0 0 0 rg BT 59.22 195.17 Td (ear ending December31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 470.00 194.85 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 181.17 Td (2019) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 470.00 181.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 181.17 Td (94) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 167.17 Td (2020) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 167.17 Td (75) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 153.17 Td (2021) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 153.17 Td (62) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 139.17 Td (2022) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 139.17 Td (51) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 125.17 Td (2023) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 125.17 Td (40) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 111.17 Td (Thereafter) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 111.17 Td (108) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 97.17 Td (T) Tj ET Q q 0 0 0 rg BT 64.41 97.17 Td (otal) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 470.00 97.17 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 97.17 Td (430) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 72.10 Td (Rent expense for all operating leases was ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 217.44 72.10 Td ($1) Tj ET Q q 0 0 0 rg BT 227.07 72.10 Td (18 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 268.46 72.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 273.46 72.10 Td ($126 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.85 72.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 344.29 72.10 Td ($1) Tj ET Q q 0 0 0 rg BT 353.92 72.10 Td (17 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 395.31 72.10 Td ( during ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 426.42 72.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 446.42 72.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.42 72.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 471.42 72.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 490.86 72.10 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 510.86 72.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 60.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 97.66 60.10 Td (.) Tj ET Q endstream endobj 139 0 obj <> endobj 140 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (67) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Commitments and Contingencies) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (Litigation) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 700.25 Td (In the normal course of business, the Company or its subsidiaries are named as defendants in lawsuits in which claims are ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 688.25 Td (asserted against the Company) Tj ET Q q 0 0 0 rg BT 168.49 688.25 Td (. In the opinion of management, the liabilities, if any) Tj ET Q q 0 0 0 rg BT 378.34 688.25 Td (, which may ultimately result from such ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 676.25 Td (lawsuits are not expected to have a material adverse ef) Tj ET Q q 0 0 0 rg BT 267.77 676.25 Td (fect on the Company) Tj ET Q q 0 0 0 rg BT 354.14 676.25 Td (s consolidated financial statements.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 655.25 Td (Electr) Tj ET Q q 0 0 0 rg BT 74.06 655.25 Td (onic Payments T) Tj ET Q q 0 0 0 rg BT 140.17 655.25 Td (ransactions) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 634.25 Td (In connection with the Company) Tj ET Q q 0 0 0 rg BT 183.86 634.25 Td (s processing of electronic payments transactions, funds received from subscribers are invested ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td (from the time the Company collects the funds until payments are made to the applicable recipients. ) Tj ET Q q 0 0 0 rg BT 448.31 622.25 Td (These subscriber funds are ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 610.25 Td (invested in short-term, highly liquid investments. Subscriber funds, which are not included in the Company) Tj ET Q q 0 0 0 rg BT 482.43 610.25 Td (s consolidated ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td (balance sheets, can fluctuate significantly based on consumer bill payment and debit card activity and totaled approximately ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 586.25 Td ($2.1 billion) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 96.11 586.25 Td ( at December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 166.91 586.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 186.91 586.25 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 565.25 Td (Indemnifications and W) Tj ET Q q 0 0 0 rg BT 144.62 565.25 Td (arranties) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 544.25 Td (Subject to limitations and exclusions, the Company may indemnify its clients from certain costs resulting from claims of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 532.25 Td (patent, copyright or trademark infringement associated with its clients) Tj ET Q q 0 0 0 rg BT 332.78 532.25 Td ( use of the Company) Tj ET Q q 0 0 0 rg BT 418.33 532.25 Td (s products or services. ) Tj ET Q q 0 0 0 rg BT 509.51 532.25 Td (The ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 520.25 Td (Company may also warrant to clients that its products and services will operate substantially in accordance with identified ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 508.25 Td (specifications. From time to time, in connection with sales of businesses, the Company agrees to indemnify the buyers for ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 496.25 Td (liabilities associated with the businesses that are sold. Payments, net of recoveries, under such indemnification or warranty ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 484.25 Td (provisions were not material to the Company) Tj ET Q q 0 0 0 rg BT 233.30 484.25 Td (s consolidated results of operations or financial position.) Tj ET Q endstream endobj 141 0 obj <> endobj 142 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (68) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.00 742.25 Td (. Business Segment Information) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (The Company) Tj ET Q q 0 0 0 rg BT 109.71 721.25 Td (s operations are comprised of the Payments segment and the Financial segment. ) Tj ET Q q 0 0 0 rg BT 431.39 721.25 Td (The Payments segment ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 709.25 Td (primarily provides electronic bill payment and presentment services, internet and mobile banking software and services, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 697.25 Td (account-to-account transfers, person-to-person payment services, debit and credit card processing and services, payments ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 685.25 Td (infrastructure services, and other electronic payments software and services. ) Tj ET Q q 0 0 0 rg BT 357.19 685.25 Td (The businesses in this segment also provide card ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 673.25 Td (and print personalization services, investment account processing services for separately managed accounts, and fraud and risk ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 661.25 Td (management products and services. ) Tj ET Q q 0 0 0 rg BT 194.49 661.25 Td (The Financial segment provides financial institutions with account processing services, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 649.25 Td (item processing and source capture services, loan origination and servicing products, cash management and consulting services, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 637.25 Td (and other products and services that support numerous types of financial transactions. Corporate and Other primarily consists ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 625.25 Td (of intercompany eliminations, amortization of acquisition-related intangible assets, unallocated corporate expenses and other ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 613.25 Td (activities that are not considered when management evaluates segment performance, such as gains on sales of businesses and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 601.25 Td (associated transition services.) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 558.75 m 332.5 558.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 558.75 m 408.5 558.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 558.75 m 485.5 558.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 558.75 m 562.5 558.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 517.75 m 332.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 517.75 m 408.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 517.75 m 485.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 517.75 m 562.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 399.75 m 332.5 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 399.75 m 408.5 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 399.75 m 485.5 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 399.75 m 562.5 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 282.75 m 332.5 282.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 282.75 m 408.5 282.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 282.75 m 485.5 282.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 282.75 m 562.5 282.75 l s BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 53 561.86259765625 m 105.509765625 561.86259765625 l s q 0 0 0 rg BT 53.00 563.43 Td (\(In millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.65 563.43 Td (Payments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.95 563.43 Td (Financial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.25 572.48 Td (Corporate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.50 562.48 Td (and Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.55 563.43 Td (T) Tj ET Q q 0 0 0 rg BT 520.30 563.43 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 549.48 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 536.32 Td (Processing and services revenue) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 262.00 536.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 306.15 536.32 Td (2,728) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 339.00 536.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 382.15 536.32 Td (2,204) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 415.00 536.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 471.65 536.32 Td (43) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 492.00 536.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 536.32 Td (4,975) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 522.32 Td (Product revenue) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 313.65 522.32 Td (739) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 389.65 522.32 Td (191) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.30 522.37 Td (\(82) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 481.65 522.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 522.32 Td (848) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 508.32 Td (T) Tj ET Q q 0 0 0 rg BT 64.76 508.32 Td (otal revenue) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 306.15 508.32 Td (3,467) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 382.15 508.32 Td (2,395) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.30 508.37 Td (\(39) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 481.65 508.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 508.32 Td (5,823) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 494.32 Td (Operating income) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 124.92 498.85 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 306.15 494.32 Td (1,122) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 389.65 494.32 Td (798) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.30 494.37 Td (\(167) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 481.65 494.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 494.32 Td (1,753) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 479.42 Td (T) Tj ET Q q 0 0 0 rg BT 58.41 479.42 Td (otal assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 306.15 479.42 Td (7,622) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 382.15 479.42 Td (3,240) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 466.65 479.42 Td (400) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 531.15 479.42 Td (1) Tj ET Q q 0 0 0 rg BT 536.15 479.42 Td (1,262) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 465.32 Td (Capital expenditures) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 313.65 465.32 Td (239) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 389.65 465.32 Td (1) Tj ET Q q 0 0 0 rg BT 394.65 465.32 Td (15) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 476.65 465.32 Td (6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 465.32 Td (360) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 451.32 Td (Depreciation and amortization expense) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 313.65 451.32 Td (225) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 389.65 451.32 Td (145) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 466.65 451.32 Td (186) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 451.32 Td (556) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 431.48 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 418.32 Td (Processing and services revenue) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 262.00 418.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 306.15 418.32 Td (2,476) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 339.00 418.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 382.15 418.32 Td (2,347) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 415.00 418.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 471.65 418.32 Td (10) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 492.00 418.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 418.32 Td (4,833) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 404.32 Td (Product revenue) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 313.65 404.32 Td (758) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 389.65 404.32 Td (183) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.30 404.37 Td (\(78) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 481.65 404.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 404.32 Td (863) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 390.32 Td (T) Tj ET Q q 0 0 0 rg BT 64.76 390.32 Td (otal revenue) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 306.15 390.32 Td (3,234) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 382.15 390.32 Td (2,530) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.30 390.37 Td (\(68) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 481.65 390.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 390.32 Td (5,696) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 376.32 Td (Operating income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 306.15 376.32 Td (1,034) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 389.65 376.32 Td (849) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.30 376.37 Td (\(351) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 481.65 376.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 376.32 Td (1,532) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 362.32 Td (T) Tj ET Q q 0 0 0 rg BT 58.41 362.32 Td (otal assets) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 99.24 366.85 Td (2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 306.15 362.32 Td (6,596) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 382.15 362.32 Td (3,309) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 466.65 362.32 Td (384) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 531.15 362.32 Td (10,289) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 348.32 Td (Capital expenditures) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 313.65 348.32 Td (182) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 394.65 348.32 Td (95) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 471.65 348.32 Td (10) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 348.32 Td (287) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 334.32 Td (Depreciation and amortization expense) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 313.65 334.32 Td (169) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 394.65 334.32 Td (92) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 466.65 334.32 Td (183) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 334.32 Td (444) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 314.48 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 301.32 Td (Processing and services revenue) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 262.00 301.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 306.15 301.32 Td (2,334) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 339.00 301.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 382.15 301.32 Td (2,285) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 415.00 301.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 476.65 301.32 Td (6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 492.00 301.32 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 301.32 Td (4,625) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 287.32 Td (Product revenue) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 313.65 287.32 Td (756) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 389.65 287.32 Td (192) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.30 287.37 Td (\(68) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 481.65 287.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 287.32 Td (880) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 273.32 Td (T) Tj ET Q q 0 0 0 rg BT 64.41 273.32 Td (otal revenue) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 306.15 273.32 Td (3,090) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 382.15 273.32 Td (2,477) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.30 273.37 Td (\(62) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 481.65 273.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 273.32 Td (5,505) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 259.32 Td (Operating income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 313.65 259.32 Td (943) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 389.65 259.32 Td (823) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.30 259.37 Td (\(321) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 481.65 259.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 259.32 Td (1,445) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 245.32 Td (T) Tj ET Q q 0 0 0 rg BT 58.76 245.32 Td (otal assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 306.15 245.32 Td (6,143) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 382.15 245.32 Td (3,287) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 466.65 245.32 Td (313) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 245.32 Td (9,743) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 231.32 Td (Capital expenditures) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 313.65 231.32 Td (161) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 389.65 231.32 Td (125) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 476.65 231.32 Td (4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 231.32 Td (290) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 217.32 Td (Depreciation and amortization expense) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 313.65 217.32 Td (141) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 394.65 217.32 Td (96) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 466.65 217.32 Td (184) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 217.32 Td (421) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 50.00 196.78 Td (1 ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 54.87 192.25 Td (A) Tj ET Q q 0 0 0 rg BT 61.54 192.25 Td ( gain of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 94.59 192.25 Td ($227 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 145.98 192.25 Td ( from the sale of a ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 220.95 192.25 Td (55%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 239.28 192.25 Td ( interest of the Company) Tj ET Q q 0 0 0 rg BT 340.93 192.25 Td (s Lending Solutions business is included within ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 180.25 Td (Corporate and Other) Tj ET Q q 0 0 0 rg BT 131.64 180.25 Td (.) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 50.00 163.78 Td (2 ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 54.87 159.25 Td (Assets held for sale of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 146.24 159.25 Td ($50 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 192.63 159.25 Td ( at December31, 2017 related to discontinued operations have been included within ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 147.25 Td (Corporate and Other) Tj ET Q q 0 0 0 rg BT 131.64 147.25 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 126.25 Td (Revenue from clients outside the United States comprised approximately ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 344.65 126.25 Td (6%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 357.98 126.25 Td ( of total revenue in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 436.01 126.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.01 126.25 Td (, and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 477.94 126.25 Td (5%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 491.27 126.25 Td ( in each of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 535.70 126.25 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 555.70 126.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 114.25 Td (and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 66.94 114.25 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.94 114.25 Td (.) Tj ET Q endstream endobj 143 0 obj <> endobj 144 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (69) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (1) Tj ET Q q 0 0 0 rg BT 54.45 742.25 Td (1. Quarterly Financial Data \(unaudited\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (Quarterly financial data for ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 161.61 721.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 181.61 721.25 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 201.05 721.25 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 221.05 721.25 Td ( was as follows:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 662.75 m 346.5 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 662.75 m 400.5 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 662.75 m 454.5 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 662.75 m 508.5 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 662.75 m 562.5 662.75 l s BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 53 689.86259765625 m 201.515625 689.86259765625 l s q 0 0 0 rg BT 53.00 691.43 Td (\(In millions, except per) Tj ET Q q 0 0 0 rg BT 151.14 691.43 Td ( shar) Tj ET Q q 0 0 0 rg BT 172.36 691.43 Td (e data\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 299.00 691.00 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 353.00 691.00 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 407.00 691.00 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 461.00 691.00 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 515.00 691.00 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 667.42 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 55.50 667.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.70 677.43 Td (First) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.55 667.43 Td (Quarter) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.70 677.43 Td (Second) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.55 667.43 Td (Quarter) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.45 677.43 Td (Third) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.55 667.43 Td (Quarter) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.00 677.43 Td (Fourth) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.55 667.43 Td (Quarter) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.35 677.43 Td (Full) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.05 667.43 Td (Y) Tj ET Q q 0 0 0 rg BT 533.16 667.43 Td (ear) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 653.48 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 637.42 Td (T) Tj ET Q q 0 0 0 rg BT 58.76 637.42 Td (otal revenue) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 299.00 637.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 320.15 637.42 Td (1,440) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 353.00 637.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 374.15 637.42 Td (1,420) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 407.00 637.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 428.15 637.42 Td (1,412) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 461.00 637.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 482.15 637.42 Td (1,551) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 515.00 637.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 637.42 Td (5,823) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 622.42 Td (Cost of processing and services) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 327.65 622.42 Td (568) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.65 622.42 Td (560) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 435.65 622.42 Td (568) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 489.65 622.42 Td (628) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 622.42 Td (2,324) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 607.42 Td (Cost of product) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 327.65 607.42 Td (191) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.65 607.42 Td (179) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 435.65 607.42 Td (181) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 489.65 607.42 Td (194) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 607.42 Td (745) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 592.42 Td (Selling, general and administrative expenses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 327.65 592.42 Td (305) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.65 592.42 Td (320) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 435.65 592.42 Td (305) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 489.65 592.42 Td (298) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 592.42 Td (1,228) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 577.42 Td (\(Gain\) loss on sale of business) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.30 577.47 Td (\(232) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 342.65 577.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 391.65 577.42 Td (3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 445.65 577.42 Td (2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 494.65 577.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 540.30 577.47 Td (\(227) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 577.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 562.42 Td (T) Tj ET Q q 0 0 0 rg BT 58.76 562.42 Td (otal expenses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 327.65 562.42 Td (832) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 374.15 562.42 Td (1,062) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 428.15 562.42 Td (1,056) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 482.15 562.42 Td (1,120) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 562.42 Td (4,070) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 547.42 Td (Operating income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 327.65 547.42 Td (608) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.65 547.42 Td (358) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 435.65 547.42 Td (356) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 489.65 547.42 Td (431) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 547.42 Td (1,753) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 530.42 Td (Income from continuing operations ) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 196.85 534.95 Td (\(1\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 327.65 530.42 Td (423) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.65 530.42 Td (251) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 435.65 530.42 Td (227) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 489.65 530.42 Td (286) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 530.42 Td (1,187) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 513.42 Td (Net income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 327.65 513.42 Td (423) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.65 513.42 Td (251) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 435.65 513.42 Td (227) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 489.65 513.42 Td (286) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 513.42 Td (1,187) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 498.42 Td (Comprehensive income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 327.65 498.42 Td (421) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.65 498.42 Td (241) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 435.65 498.42 Td (214) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 489.65 498.42 Td (298) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 498.42 Td (1,174) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 481.42 Td (Net income per share - continuing operations: ) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 238.78 485.95 Td (\(2\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 466.42 Td (Basic) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 299.00 466.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 325.15 466.42 Td (1.02) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 353.00 466.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 379.15 466.42 Td (0.61) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 407.00 466.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 433.15 466.42 Td (0.56) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 461.00 466.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 487.15 466.42 Td (0.72) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 515.00 466.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 541.15 466.42 Td (2.93) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 451.42 Td (Diluted) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 299.00 451.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 325.15 451.42 Td (1.00) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 353.00 451.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 379.15 451.42 Td (0.60) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 407.00 451.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 433.15 451.42 Td (0.55) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 461.00 451.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 487.15 451.42 Td (0.71) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 515.00 451.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 541.15 451.42 Td (2.87) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 431.48 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 415.42 Td (T) Tj ET Q q 0 0 0 rg BT 58.76 415.42 Td (otal revenue) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 299.00 415.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 320.15 415.42 Td (1,394) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 353.00 415.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 374.15 415.42 Td (1,386) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 407.00 415.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 428.15 415.42 Td (1,400) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 461.00 415.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 482.15 415.42 Td (1,516) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 515.00 415.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 415.42 Td (5,696) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 400.42 Td (Cost of processing and services) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 327.65 400.42 Td (570) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.65 400.42 Td (573) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 435.65 400.42 Td (572) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 489.65 400.42 Td (576) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 400.42 Td (2,291) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 385.42 Td (Cost of product) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 327.65 385.42 Td (182) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.65 385.42 Td (175) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 435.65 385.42 Td (174) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 489.65 385.42 Td (202) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 385.42 Td (733) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 370.42 Td (Selling, general and administrative expenses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 327.65 370.42 Td (277) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.65 370.42 Td (276) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 435.65 370.42 Td (284) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 489.65 370.42 Td (313) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 370.42 Td (1,150) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 355.42 Td (Gain on sale of business) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 332.65 355.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 383.30 355.47 Td (\(10) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 396.65 355.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 440.65 355.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 494.65 355.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 545.30 355.47 Td (\(10) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 355.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 340.42 Td (T) Tj ET Q q 0 0 0 rg BT 58.76 340.42 Td (otal expenses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 320.15 340.42 Td (1,029) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 374.15 340.42 Td (1,014) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 428.15 340.42 Td (1,030) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 482.15 340.42 Td (1,091) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 340.42 Td (4,164) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 325.42 Td (Operating income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 327.65 325.42 Td (365) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.65 325.42 Td (372) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 435.65 325.42 Td (370) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 489.65 325.42 Td (425) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 325.42 Td (1,532) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 308.42 Td (Income from continuing operations ) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 196.85 312.95 Td (\(1\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 327.65 308.42 Td (247) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.65 308.42 Td (221) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 435.65 308.42 Td (232) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 489.65 308.42 Td (532) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 308.42 Td (1,232) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 291.42 Td (Net income ) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 101.87 295.95 Td (\(1\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 327.65 291.42 Td (247) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.65 291.42 Td (221) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 435.65 291.42 Td (232) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 489.65 291.42 Td (546) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 291.42 Td (1,246) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 276.42 Td (Comprehensive income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 327.65 276.42 Td (256) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.65 276.42 Td (229) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 435.65 276.42 Td (236) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 489.65 276.42 Td (547) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 276.42 Td (1,268) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 259.42 Td (Net income per share - continuing operations: ) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 238.78 263.95 Td (\(2\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 244.42 Td (Basic) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 299.00 244.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 325.15 244.42 Td (0.58) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 353.00 244.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 379.15 244.42 Td (0.52) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 407.00 244.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 433.15 244.42 Td (0.55) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 461.00 244.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 487.15 244.42 Td (1.28) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 515.00 244.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 541.15 244.42 Td (2.92) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 229.42 Td (Diluted) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 299.00 229.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 325.15 229.42 Td (0.56) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 353.00 229.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 379.15 229.42 Td (0.51) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 407.00 229.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 433.15 229.42 Td (0.54) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 461.00 229.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 487.15 229.42 Td (1.25) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 515.00 229.42 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 541.15 229.42 Td (2.86) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 213.25 Td (_____) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 195.25 Td (\(1\) ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 195.25 Td (During the third quarter of 2018 and the fourth quarter of 2017, the Company recognized discrete income tax expense of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 183.25 Td ($19 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 114.39 183.25 Td ( and income tax benefits of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.47 183.25 Td ($275 million) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 276.86 183.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 329.52 183.25 Td (, associated with the ) Tj ET Q q 0 0 0 rg BT 412.93 183.25 Td (T) Tj ET Q q 0 0 0 rg BT 418.34 183.25 Td (ax ) Tj ET Q q 0 0 0 rg BT 429.72 183.25 Td (Act enacted in December 2017. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 171.25 Td (Refer to Note ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 124.92 171.25 Td (7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 129.92 171.25 Td ( for more information regarding the Company) Tj ET Q q 0 0 0 rg BT 316.54 171.25 Td (s income taxes.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 153.25 Td (\(2\) ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 153.25 Td (Net income per share - continuing operations in each period is calculated using actual, unrounded amounts. ) Tj ET Q q 0 0 0 rg BT 498.98 153.25 Td (All per share ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 141.25 Td (amounts are presented on a split-adjusted basis to retroactively reflect the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 364.28 141.25 Td (two) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 379.28 141.25 Td (-for) Tj ET Q q 0 0 0 rg BT 394.07 141.25 Td (-one stock split that was completed in the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 129.25 Td (first quarter of 2018.) Tj ET Q endstream endobj 145 0 obj <> endobj 146 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (70) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (12. Subsequent Events) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (On ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 64.72 721.25 Td (January16, 2019) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 133.32 721.25 Td (, the Company announced that it had entered into a definitive mer) Tj ET Q q 0 0 0 rg BT 395.83 721.25 Td (ger agreement to acquire First Data in an ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 709.25 Td (all-stock transaction for an equity value of approximately ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 282.14 709.25 Td ($22 billion) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 325.76 709.25 Td ( as of the announcement. ) Tj ET Q q 0 0 0 rg BT 427.76 709.25 Td (The transaction is expected to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 697.25 Td (close during the second half of 2019, subject to customary closing conditions, regulatory approvals and shareholder approval ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 685.25 Td (for both companies.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 664.25 Td (In connection with the definitive mer) Tj ET Q q 0 0 0 rg BT 198.38 664.25 Td (ger agreement, the Company entered into a bridge facility commitment letter pursuant to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 652.25 Td (which a group of financial institutions committed to provide a ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 300.50 652.25 Td (364) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 315.50 652.25 Td (-day senior unsecured bridge term loan facility in an ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 640.25 Td (aggregate principal amount of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 172.73 640.25 Td ($17billion) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 216.34 640.25 Td ( for the purpose of refinancing certain indebtedness of First Data and its subsidiaries ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 628.25 Td (on the closing date of the mer) Tj ET Q q 0 0 0 rg BT 168.67 628.25 Td (ger) Tj ET Q q 0 0 0 rg BT 181.04 628.25 Td (, making cash payments in lieu of fractional shares as part of the mer) Tj ET Q q 0 0 0 rg BT 456.32 628.25 Td (ger consideration, and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 616.25 Td (paying fees and expenses related to the mer) Tj ET Q q 0 0 0 rg BT 223.92 616.25 Td (ger) Tj ET Q q 0 0 0 rg BT 236.28 616.25 Td (, the refinancing and the related transactions. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 595.25 Td (On February 15, 2019, the Company entered into a new term loan credit agreement with a syndicate of financial institutions ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 583.25 Td (pursuant to which such financial institutions have committed to provide the Company with a senior unsecured term loan facility ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 571.25 Td (in an aggregate principal amount of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 194.95 571.25 Td ($5.0 billion) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 241.06 571.25 Td (, consisting of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 299.95 571.25 Td ($1.5 billion) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 346.06 571.25 Td ( in commitments to provide loans with a ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 509.93 571.25 Td (three) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 529.91 571.25 Td (-year ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 559.25 Td (maturity and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 103.32 559.25 Td ($3.5 billion) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 149.43 559.25 Td ( in commitments to provide loans with a ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 313.30 559.25 Td (five) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 328.85 559.25 Td (-year maturity) Tj ET Q q 0 0 0 rg BT 385.12 559.25 Td (. ) Tj ET Q q 0 0 0 rg BT 389.94 559.25 Td (The aggregate principal amount of the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 547.25 Td (commitments under the term loan credit agreement have replaced a corresponding amount of the commitments in respect of the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 535.25 Td (bridge facility in accordance with the terms of the bridge facility commitment letter) Tj ET Q q 0 0 0 rg BT 383.77 535.25 Td (. ) Tj ET Q q 0 0 0 rg BT 388.22 535.25 Td (As a result, there are now ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 492.90 535.25 Td ($12.0 billion) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 544.01 535.25 Td ( in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 523.25 Td (bridge facility commitments remaining. ) Tj ET Q q 0 0 0 rg BT 211.17 523.25 Td (The Company expects to replace these remaining commitments with permanent ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 511.25 Td (financing in the form of the issuance of debt securities prior to the closing of the acquisition of First Data.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 490.25 Td (The availability of loans under the term loan facility is subject to the satisfaction or waiver of certain conditions that are ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 478.25 Td (substantially consistent with the conditions to the funding of the bridge facility) Tj ET Q q 0 0 0 rg BT 364.58 478.25 Td (, including \(i\) the closing of the acquisition ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 466.25 Td (substantially concurrently with the funding of such loans, \(ii\) the absence of a material adverse ef) Tj ET Q q 0 0 0 rg BT 439.69 466.25 Td (fect with respect to First Data ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 454.25 Td (since January 16, 2019, \(iii\) the truth and accuracy in all material respects of certain representations and warranties, \(iv\) the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 442.25 Td (receipt of certain certificates, and \(v\) the receipt of certain financial statements. Loans drawn under the term loan facility will ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 430.25 Td (be subject to amortization at an annual rate of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 235.21 430.25 Td (5%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 248.54 430.25 Td ( for the first two years and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 356.56 430.25 Td (7.5%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 377.39 430.25 Td ( thereafter \(with loans outstanding under the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 418.25 Td (five-year tranche subject to amortization at an annual rate of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 293.77 418.25 Td (10%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 312.10 418.25 Td ( after the fourth anniversary of the commencement of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 406.25 Td (amortization\), with accrued and unpaid amortization amounts required to be paid on the last business day in December of each ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 394.25 Td (year) Tj ET Q q 0 0 0 rg BT 66.66 394.25 Td (. Borrowings under the term loan facility will bear interest at variable rates based on LIBOR or on a base rate plus, in each ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 382.25 Td (case, a specified mar) Tj ET Q q 0 0 0 rg BT 133.11 382.25 Td (gin based on the Company) Tj ET Q q 0 0 0 rg BT 242.53 382.25 Td (s long-term debt rating in ef) Tj ET Q q 0 0 0 rg BT 354.27 382.25 Td (fect from time to time. ) Tj ET Q q 0 0 0 rg BT 446.84 382.25 Td (The Company is also ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 370.25 Td (required to pay a ticking fee that will accrue on the aggregate undrawn commitments under the term loan facility at a per ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 358.25 Td (annum rate based upon the Company) Tj ET Q q 0 0 0 rg BT 201.35 358.25 Td (s long-term debt rating in ef) Tj ET Q q 0 0 0 rg BT 313.09 358.25 Td (fect from time to time. ) Tj ET Q q 0 0 0 rg BT 405.65 358.25 Td (The term loan credit agreement ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 346.25 Td (contains af) Tj ET Q q 0 0 0 rg BT 93.41 346.25 Td (firmative, negative and financial covenants, and events of default, that are substantially the same as those set forth in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 334.25 Td (the Company) Tj ET Q q 0 0 0 rg BT 106.38 334.25 Td (s existing revolving credit facility) Tj ET Q q 0 0 0 rg BT 240.70 334.25 Td (, as amended as described within Note 6.) Tj ET Q endstream endobj 147 0 obj <> endobj 148 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (71) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (REPOR) Tj ET Q q 0 0 0 rg BT 84.65 742.25 Td (T) Tj ET Q q 0 0 0 rg BT 91.14 742.25 Td ( OF) Tj ET Q q 0 0 0 rg BT 107.15 742.25 Td ( INDEPENDENT) Tj ET Q q 0 0 0 rg BT 182.26 742.25 Td ( REGISTERED PUBLIC ) Tj ET Q q 0 0 0 rg BT 292.57 742.25 Td (ACCOUNTING FIRM) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 718.25 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 718.25 Td (o the Board of Directors and Shareholders of Fiserv) Tj ET Q q 0 0 0 rg BT 261.93 718.25 Td (, Inc.:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 696.25 Td (Opinion on the Financial Statements) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 674.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 674.25 Td (e have audited the accompanying consolidated balance sheets of Fiserv) Tj ET Q q 0 0 0 rg BT 342.61 674.25 Td (, Inc. and subsidiaries \(the Company\) as of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 662.25 Td (December 31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 108.58 662.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 128.58 662.25 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 148.02 662.25 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 168.02 662.25 Td (, the related consolidated statements of income, comprehensive income, shareholders) Tj ET Q q 0 0 0 rg BT 511.05 662.25 Td ( equity) Tj ET Q q 0 0 0 rg BT 537.90 662.25 Td (, and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 650.25 Td (cash flows, for each of the three years in the period ended December 31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 342.10 650.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 362.10 650.25 Td (, and the related notes \(collectively referred to as ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 638.25 Td (the financial statements\). In our opinion, the financial statements present fairly) Tj ET Q q 0 0 0 rg BT 373.13 638.25 Td (, in all material respects, the financial position ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 626.25 Td (of the Company as of December 31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 197.18 626.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 217.18 626.25 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 236.62 626.25 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 256.62 626.25 Td (, and the results of its operations and its cash flows for each of the three ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 614.25 Td (years in the period ended December 31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 211.60 614.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 231.60 614.25 Td (, in conformity with accounting principles generally accepted in the United States ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 602.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.28 602.25 Td (America.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 580.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 580.25 Td (e have also audited, in accordance with the standards of the Public Company ) Tj ET Q q 0 0 0 rg BT 367.44 580.25 Td (Accounting Oversight Board \(United States\) ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 568.25 Td (\(PCAOB\), the Company) Tj ET Q q 0 0 0 rg BT 151.39 568.25 Td (s internal control over financial reporting as of December 31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 398.79 568.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 418.79 568.25 Td (, based on criteria established in ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 556.25 Td (Internal Contr) Tj ET Q q 0 0 0 rg BT 107.69 556.25 Td (ol - Integrated Framework \(2013\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 243.77 556.25 Td ( issued by the Committee of Sponsoring Or) Tj ET Q q 0 0 0 rg BT 417.19 556.25 Td (ganizations of the ) Tj ET Q q 0 0 0 rg BT 490.60 556.25 Td (T) Tj ET Q q 0 0 0 rg BT 496.35 556.25 Td (readway ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 544.25 Td (Commission and our report dated ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 186.37 544.25 Td (February21, 2019) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 259.97 544.25 Td ( expressed an unqualified opinion on the Company) Tj ET Q q 0 0 0 rg BT 466.31 544.25 Td (s internal control over ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 532.25 Td (financial reporting.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 510.25 Td (Change in ) Tj ET Q q 0 0 0 rg BT 95.57 510.25 Td (Accounting Principle) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 488.25 Td (As discussed in Note 1 to the financial statements, the Company has changed its method of accounting for revenue in 2018 due ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 476.25 Td (to adoption of Financial ) Tj ET Q q 0 0 0 rg BT 147.76 476.25 Td (Accounting Standards Board \(United States\) ) Tj ET Q q 0 0 0 rg BT 328.01 476.25 Td (Accounting Standard Codification ) Tj ET Q q 0 0 0 rg BT 467.52 476.25 Td (T) Tj ET Q q 0 0 0 rg BT 472.93 476.25 Td (opic No. 606, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 464.25 Td (Revenue fr) Tj ET Q q 0 0 0 rg BT 92.66 464.25 Td (om Contracts with Customers) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 211.84 464.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.25 Td (Basis for) Tj ET Q q 0 0 0 rg BT 87.32 442.25 Td ( Opinion) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 420.25 Td (These financial statements are the responsibility of the Company) Tj ET Q q 0 0 0 rg BT 312.15 420.25 Td (s management. Our responsibility is to express an opinion on ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 408.25 Td (the Company) Tj ET Q q 0 0 0 rg BT 106.38 408.25 Td (s financial statements based on our audits. ) Tj ET Q q 0 0 0 rg BT 277.27 408.25 Td (W) Tj ET Q q 0 0 0 rg BT 285.91 408.25 Td (e are a public accounting firm registered with the PCAOB and are ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 396.25 Td (required to be independent with respect to the Company in accordance with the U.S. federal securities laws and the applicable ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 384.25 Td (rules and regulations of the Securities and Exchange Commission and the PCAOB.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 362.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 362.25 Td (e conducted our audits in accordance with the standards of the PCAOB. ) Tj ET Q q 0 0 0 rg BT 348.10 362.25 Td (Those standards require that we plan and perform the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 350.25 Td (audit to obtain reasonable assurance about whether the financial statements are free of material misstatement, whether due to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 338.25 Td (error or fraud. Our audits included performing procedures to assess the risks of material misstatement of the financial ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 326.25 Td (statements, whether due to error or fraud, and performing procedures that respond to those risks. Such procedures included ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 314.25 Td (examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements. Our audits also included ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 302.25 Td (evaluating the accounting principles used and significant estimates made by management, as well as evaluating the overall ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 290.25 Td (presentation of the financial statements. ) Tj ET Q q 0 0 0 rg BT 211.43 290.25 Td (W) Tj ET Q q 0 0 0 rg BT 220.07 290.25 Td (e believe that our audits provide a reasonable basis for our opinion.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 268.25 Td (/s/ Deloitte& ) Tj ET Q q 0 0 0 rg BT 106.76 268.25 Td (T) Tj ET Q q 0 0 0 rg BT 112.17 268.25 Td (ouche LLP) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 247.25 Td (Milwaukee, ) Tj ET Q q 0 0 0 rg BT 99.80 247.25 Td (W) Tj ET Q q 0 0 0 rg BT 108.84 247.25 Td (isconsin) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 235.25 Td (February21, 2019) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 123.60 235.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 211.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 211.25 Td (e have served as the Company) Tj ET Q q 0 0 0 rg BT 182.76 211.25 Td (s auditor since 1985.) Tj ET Q endstream endobj 149 0 obj <> endobj 150 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (72) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Item9. ) Tj ET Q q 0 0 0 rg BT 86.00 742.25 Td (Changes in and Disagr) Tj ET Q q 0 0 0 rg BT 182.79 742.25 Td (eements with ) Tj ET Q q 0 0 0 rg BT 240.56 742.25 Td (Accountants on ) Tj ET Q q 0 0 0 rg BT 308.90 742.25 Td (Accounting and Financial Disclosur) Tj ET Q q 0 0 0 rg BT 461.24 742.25 Td (e) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (Not applicable.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.25 Td (Item9A. Contr) Tj ET Q q 0 0 0 rg BT 115.08 700.25 Td (ols and Pr) Tj ET Q q 0 0 0 rg BT 158.24 700.25 Td (ocedur) Tj ET Q q 0 0 0 rg BT 187.50 700.25 Td (es) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 679.25 Td (\(a\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 68.00 679.25 Td (Disclosur) Tj ET Q q 0 0 0 rg BT 106.52 679.25 Td (e Contr) Tj ET Q q 0 0 0 rg BT 136.43 679.25 Td (ols and Pr) Tj ET Q q 0 0 0 rg BT 177.73 679.25 Td (ocedur) Tj ET Q q 0 0 0 rg BT 205.12 679.25 Td (es) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 658.25 Td (Our management, with the participation of our chief executive of) Tj ET Q q 0 0 0 rg BT 328.28 658.25 Td (ficer and chief financial of) Tj ET Q q 0 0 0 rg BT 434.15 658.25 Td (ficer) Tj ET Q q 0 0 0 rg BT 452.06 658.25 Td (, evaluated the design and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 646.25 Td (operation of our disclosure controls and procedures \(as defined in Rules13a-15\(e\) and 15d-15\(e\) under the Securities ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 634.25 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 109.37 634.25 Td (Act of 1934\). Based on this evaluation, our chief executive of) Tj ET Q q 0 0 0 rg BT 355.78 634.25 Td (ficer and chief financial of) Tj ET Q q 0 0 0 rg BT 461.65 634.25 Td (ficer concluded that our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 622.25 Td (disclosure controls and procedures were ef) Tj ET Q q 0 0 0 rg BT 238.59 622.25 Td (fective as of December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 348.53 622.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 368.53 622.25 Td (.) 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Our internal control over financial reporting ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 535.25 Td (is designed to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 523.25 Td (statements for external purposes in accordance with generally accepted accounting principles.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 502.25 Td (Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. ) Tj ET Q q 0 0 0 rg BT 536.20 502.25 Td (Also, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 490.25 Td (projections of any evaluation of ef) Tj ET Q q 0 0 0 rg BT 205.27 490.25 Td (fectiveness to future periods are subject to risk that controls may become inadequate ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 478.25 Td (because of changes in conditions.) 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Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 289.25 Td (\(d\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 68.00 289.25 Td (Report of Independent Register) Tj ET Q q 0 0 0 rg BT 192.87 289.25 Td (ed Public ) Tj ET Q q 0 0 0 rg BT 233.23 289.25 Td (Accounting Firm on Internal Contr) Tj ET Q q 0 0 0 rg BT 373.96 289.25 Td (ol Over Financial Reporting) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 268.25 Td (Our independent registered public accounting firm, Deloitte & ) Tj ET Q q 0 0 0 rg BT 320.24 268.25 Td (T) Tj ET Q q 0 0 0 rg BT 325.65 268.25 Td (ouche LLP) Tj ET Q q 0 0 0 rg BT 368.70 268.25 Td (, assessed the ef) Tj ET Q q 0 0 0 rg BT 432.38 268.25 Td (fectiveness of our internal ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 256.25 Td (control over financial reporting and has issued their report as set forth below) Tj ET Q q 0 0 0 rg BT 373.37 256.25 Td (.) Tj ET Q endstream endobj 151 0 obj <> endobj 152 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (73) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (REPOR) Tj ET Q q 0 0 0 rg BT 84.65 742.25 Td (T) Tj ET Q q 0 0 0 rg BT 91.14 742.25 Td ( OF) Tj ET Q q 0 0 0 rg BT 107.15 742.25 Td ( INDEPENDENT) Tj ET Q q 0 0 0 rg BT 182.26 742.25 Td ( REGISTERED PUBLIC ) Tj ET Q q 0 0 0 rg BT 292.57 742.25 Td (ACCOUNTING FIRM) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 718.25 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 718.25 Td (o the Board of Directors and Shareholders of Fiserv) Tj ET Q q 0 0 0 rg BT 261.93 718.25 Td (, Inc.:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.25 Td (Opinion on Internal Contr) Tj ET Q q 0 0 0 rg BT 163.45 694.25 Td (ol over) Tj ET Q q 0 0 0 rg BT 192.43 694.25 Td ( Financial Reporting) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 670.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 670.25 Td (e have audited the internal control over financial reporting of Fiserv) Tj ET Q q 0 0 0 rg BT 329.56 670.25 Td (, Inc. and subsidiaries \(the Company\) as of December ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 658.25 Td (31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 65.00 658.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 85.00 658.25 Td (, based on criteria established in ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 215.79 658.25 Td (Internal Contr) Tj ET Q q 0 0 0 rg BT 273.48 658.25 Td (ol - Integrated Framework \(2013\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 409.56 658.25 Td ( issued by the Committee of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td (Sponsoring Or) Tj ET Q q 0 0 0 rg BT 108.43 646.25 Td (ganizations of the ) Tj ET Q q 0 0 0 rg BT 181.84 646.25 Td (T) Tj ET Q q 0 0 0 rg BT 187.60 646.25 Td (readway Commission \(COSO\). In our opinion, the Company maintained, in all material ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 634.25 Td (respects, ef) Tj ET Q q 0 0 0 rg BT 94.79 634.25 Td (fective internal control over financial reporting as of December 31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 365.51 634.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 385.51 634.25 Td (, based on criteria established in ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 516.30 634.25 Td (Internal ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td (Contr) Tj ET Q q 0 0 0 rg BT 72.97 622.25 Td (ol - Integrated Framework \(2013\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 209.05 622.25 Td ( issued by COSO. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 598.25 Td (e have also audited, in accordance with the standards of the Public Company ) Tj ET Q q 0 0 0 rg BT 367.44 598.25 Td (Accounting Oversight Board \(United States\) ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 586.25 Td (\(PCAOB\), the consolidated financial statements as of and for the year ended December 31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 417.10 586.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 437.10 586.25 Td (, of the Company and our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 574.25 Td (report dated ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 100.53 574.25 Td (February21, 2019) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 174.13 574.25 Td (, expressed an unqualified opinion on those financial statements and included an explanatory ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td (paragraph) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 89.98 562.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 92.48 562.25 Td (regarding the Company) Tj ET Q q 0 0 0 rg BT 189.67 562.25 Td (s adoption of a new accounting standard.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.25 Td (Basis for) Tj ET Q q 0 0 0 rg BT 87.32 538.25 Td ( Opinion) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 514.25 Td (The Company) Tj ET Q q 0 0 0 rg BT 109.71 514.25 Td (s management is responsible for maintaining ef) Tj ET Q q 0 0 0 rg BT 298.93 514.25 Td (fective internal control over financial reporting and for its ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 502.25 Td (assessment of the ef) Tj ET Q q 0 0 0 rg BT 130.07 502.25 Td (fectiveness of internal control over financial reporting, included in the accompanying Management) Tj ET Q q 0 0 0 rg BT 528.82 502.25 Td (s ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 490.25 Td (Annual Report on Internal Control Over Financial Reporting. Our responsibility is to express an opinion on the Company) Tj ET Q q 0 0 0 rg BT 541.31 490.25 Td (s ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 478.25 Td (internal control over financial reporting based on our audit. ) Tj ET Q q 0 0 0 rg BT 289.18 478.25 Td (W) Tj ET Q q 0 0 0 rg BT 297.82 478.25 Td (e are a public accounting firm registered with the PCAOB and are ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 466.25 Td (required to be independent with respect to the Company in accordance with the U.S. federal securities laws and the applicable ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 454.25 Td (rules and regulations of the Securities and Exchange Commission and the PCAOB.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 430.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 430.25 Td (e conducted our audit in accordance with the standards of the PCAOB. ) Tj ET Q q 0 0 0 rg BT 344.21 430.25 Td (Those standards require that we plan and perform the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 418.25 Td (audit to obtain reasonable assurance about whether ef) Tj ET Q q 0 0 0 rg BT 263.90 418.25 Td (fective internal control over financial reporting was maintained in all ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 406.25 Td (material respects. Our audit included obtaining an understanding of internal control over financial reporting, assessing the risk ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 394.25 Td (that a material weakness exists, testing and evaluating the design and operating ef) Tj ET Q q 0 0 0 rg BT 376.66 394.25 Td (fectiveness of internal control based on the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 382.25 Td (assessed risk, and performing such other procedures as we considered necessary in the circumstances. ) Tj ET Q q 0 0 0 rg BT 459.68 382.25 Td (W) Tj ET Q q 0 0 0 rg BT 468.32 382.25 Td (e believe that our audit ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 370.25 Td (provides a reasonable basis for our opinion.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.25 Td (Definition and Limitations of Internal Contr) Tj ET Q q 0 0 0 rg BT 239.55 346.25 Td (ol over) Tj ET Q q 0 0 0 rg BT 268.53 346.25 Td ( Financial Reporting) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 322.25 Td (A) Tj ET Q q 0 0 0 rg BT 56.67 322.25 Td ( company) Tj ET Q q 0 0 0 rg BT 98.60 322.25 Td (s internal control over financial reporting is a process designed to provide reasonable assurance regarding the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 310.25 Td (reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 298.25 Td (accepted accounting principles. ) Tj ET Q q 0 0 0 rg BT 177.72 298.25 Td (A) Tj ET Q q 0 0 0 rg BT 184.39 298.25 Td ( company) Tj ET Q q 0 0 0 rg BT 226.33 298.25 Td (s internal control over financial reporting includes those policies and procedures ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 286.25 Td (that \(1\) pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 274.25 Td (dispositions of the assets of the company; \(2\) provide reasonable assurance that transactions are recorded as necessary to permit ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 262.25 Td (preparation of financial statements in accordance with generally accepted accounting principles, and that receipts and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 250.25 Td (expenditures of the company are being made only in accordance with authorizations of management and directors of the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 238.25 Td (company; and \(3\) provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use, or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 226.25 Td (disposition of the company) Tj ET Q q 0 0 0 rg BT 161.38 226.25 Td (s assets that could have a material ef) Tj ET Q q 0 0 0 rg BT 306.97 226.25 Td (fect on the financial statements. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 202.25 Td (Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. ) Tj ET Q q 0 0 0 rg BT 518.20 202.25 Td (Also, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 190.25 Td (projections of any evaluation of ef) Tj ET Q q 0 0 0 rg BT 187.27 190.25 Td (fectiveness to future periods are subject to the risk that controls may become inadequate ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 178.25 Td (because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 157.25 Td (/s/ Deloitte& ) Tj ET Q q 0 0 0 rg BT 106.76 157.25 Td (T) Tj ET Q q 0 0 0 rg BT 112.17 157.25 Td (ouche LLP) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 136.25 Td (Milwaukee, ) Tj ET Q q 0 0 0 rg BT 99.80 136.25 Td (W) Tj ET Q q 0 0 0 rg BT 108.84 136.25 Td (isconsin) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 124.25 Td (February21, 2019) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 123.60 124.25 Td ( ) Tj ET Q endstream endobj 153 0 obj <> endobj 154 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (74) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Item9B. Other) Tj ET Q q 0 0 0 rg BT 114.53 742.25 Td ( Information) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (In connection with the definitive mer) Tj ET Q q 0 0 0 rg BT 198.38 721.25 Td (ger agreement to acquire First Data, on January 16, 2019, we entered into a bridge facility ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 709.25 Td (commitment letter pursuant to which a group of financial institutions committed to provide a 364-day senior unsecured bridge ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 697.25 Td (term loan facility in an aggregate principal amount of $17billion for the purpose of refinancing certain indebtedness of First ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 685.25 Td (Data and its subsidiaries on the closing date of the mer) Tj ET Q q 0 0 0 rg BT 268.65 685.25 Td (ger) Tj ET Q q 0 0 0 rg BT 281.02 685.25 Td (, making cash payments in lieu of fractional shares as part of the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 673.25 Td (mer) Tj ET Q q 0 0 0 rg BT 65.37 673.25 Td (ger consideration, and paying fees and expenses related to the mer) Tj ET Q q 0 0 0 rg BT 330.36 673.25 Td (ger) Tj ET Q q 0 0 0 rg BT 342.73 673.25 Td (, the refinancing and the related transactions.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 652.25 Td (On February 15, 2019, we entered into a new term loan credit agreement with a syndicate of financial institutions pursuant to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 640.25 Td (which such financial institutions have committed to provide us with a senior unsecured term loan facility in an aggregate ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 628.25 Td (principal amount of $5.0 billion, consisting of $1.5 billion in commitments to provide loans with a three-year maturity and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 616.25 Td ($3.5billion in commitments to provide loans with a five-year maturity) Tj ET Q q 0 0 0 rg BT 331.80 616.25 Td (. ) Tj ET Q q 0 0 0 rg BT 336.62 616.25 Td (The aggregate principal amount of the commitments ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 604.25 Td (under the term loan credit agreement have replaced a corresponding amount of the commitments in respect of the bridge ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 592.25 Td (facility in accordance with the terms of the bridge facility commitment letter) Tj ET Q q 0 0 0 rg BT 355.72 592.25 Td (. ) Tj ET Q q 0 0 0 rg BT 360.17 592.25 Td (As a result, there are now $12.0 billion in bridge ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 580.25 Td (facility commitments remaining. ) Tj ET Q q 0 0 0 rg BT 183.12 580.25 Td (W) Tj ET Q q 0 0 0 rg BT 191.76 580.25 Td (e expect to replace these remaining commitments with permanent financing in the form of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 568.25 Td (the issuance of debt securities prior to the closing of the mer) Tj ET Q q 0 0 0 rg BT 291.14 568.25 Td (ger) Tj ET Q q 0 0 0 rg BT 303.35 568.25 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 547.25 Td (The availability of loans under the term loan facility is subject to the satisfaction or waiver of certain conditions that are ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 535.25 Td (substantially consistent with the conditions to the funding of the bridge facility) Tj ET Q q 0 0 0 rg BT 364.58 535.25 Td (, including \(i\) the closing of the mer) Tj ET Q q 0 0 0 rg BT 508.80 535.25 Td (ger ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 523.25 Td (substantially concurrently with the funding of such loans, \(ii\) the absence of a material adverse ef) Tj ET Q q 0 0 0 rg BT 439.69 523.25 Td (fect with respect to First Data ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 511.25 Td (since January 16, 2019, \(iii\) the truth and accuracy in all material respects of certain representations and warranties, \(iv\) the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 499.25 Td (receipt of certain certificates, and \(v\) the receipt of certain financial statements. Loans drawn under the term loan facility will ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 487.25 Td (be subject to amortization at an annual rate of 5% for the first two years and 7.5% thereafter \(with loans outstanding under the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 475.25 Td (five-year tranche subject to amortization at an annual rate of 10% after the fourth anniversary of the commencement of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 463.25 Td (amortization\), with accrued and unpaid amortization amounts required to be paid on the last business day in December of each ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 451.25 Td (year) Tj ET Q q 0 0 0 rg BT 66.66 451.25 Td (. Borrowings under the term loan facility will bear interest at variable rates based on LIBOR or on a base rate plus, in each ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 439.25 Td (case, a specified mar) Tj ET Q q 0 0 0 rg BT 133.11 439.25 Td (gin based on our long-term debt rating in ef) Tj ET Q q 0 0 0 rg BT 307.32 439.25 Td (fect from time to time. ) Tj ET Q q 0 0 0 rg BT 399.89 439.25 Td (W) Tj ET Q q 0 0 0 rg BT 408.53 439.25 Td (e are also required to pay a ticking fee ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 427.25 Td (that will accrue on the aggregate undrawn commitments under the term loan facility at a per annum rate based upon our long-) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 415.25 Td (term debt rating in ef) Tj ET Q q 0 0 0 rg BT 134.23 415.25 Td (fect from time to time. ) Tj ET Q q 0 0 0 rg BT 226.80 415.25 Td (The term loan credit agreement contains af) Tj ET Q q 0 0 0 rg BT 398.21 415.25 Td (firmative, negative and financial ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 403.25 Td (covenants, and events of default, that are substantially the same as those set forth in our existing revolving credit facility) Tj ET Q q 0 0 0 rg BT 530.60 403.25 Td (, as ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 391.25 Td (amended, as described above under Management) Tj ET Q q 0 0 0 rg BT 253.80 391.25 Td (s Discussion and ) Tj ET Q q 0 0 0 rg BT 322.97 391.25 Td (Analysis of Financial Condition and Results of Operations ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 379.25 Td (- Liquidity and Capital Resources. ) Tj ET Q q 0 0 0 rg BT 194.23 379.25 Td (The foregoing description of the term loan facility is summary in nature and is qualified in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 367.25 Td (its entirety by reference to the term loan credit agreement, a copy of which is filed hereto as Exhibit 4.13 and incorporated ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 355.25 Td (herein by reference.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 334.25 Td (In addition, on February 15, 2019, we entered into a second amendment to our existing revolving credit agreement in order to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 322.25 Td (increase the aggregate commitments available thereunder by $1.5 billion and to make certain additional amendments to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 310.25 Td (facilitate the operation of the combined business following the mer) Tj ET Q q 0 0 0 rg BT 317.80 310.25 Td (ger) Tj ET Q q 0 0 0 rg BT 330.01 310.25 Td (. ) Tj ET Q q 0 0 0 rg BT 334.83 310.25 Td (The increased commitments and additional amendments ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 298.25 Td (will become ef) Tj ET Q q 0 0 0 rg BT 109.24 298.25 Td (fective upon the satisfaction or waiver of conditions that are substantially similar to the conditions to funding ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 286.25 Td (under the term loan facility described above. ) Tj ET Q q 0 0 0 rg BT 230.86 286.25 Td (The foregoing description of the second amendment is summary in nature and is ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 274.25 Td (qualified in its entirety by reference to the second amendment, a copy of which is filed hereto as Exhibit 4.3.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.90 253.25 Td (P) Tj ET Q q 0 0 0 rg BT 291.27 253.25 Td (AR) Tj ET Q q 0 0 0 rg BT 305.36 253.25 Td (T) Tj ET Q q 0 0 0 rg BT 311.85 253.25 Td ( III) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.25 Td (Item10. ) Tj ET Q q 0 0 0 rg BT 86.00 232.25 Td ( Dir) Tj ET Q q 0 0 0 rg BT 105.26 232.25 Td (ectors, Executive Officers and Corporate Governance) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 211.25 Td (Except for information concerning our executive of) Tj ET Q q 0 0 0 rg BT 255.85 211.25 Td (ficers included in Part I of this Form 10-K under the caption Executive ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 199.25 Td (Of) Tj ET Q q 0 0 0 rg BT 60.37 199.25 Td (ficers of the Registrant, which is incorporated by reference herein, and the information regarding our Code of Conduct ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 187.25 Td (below) Tj ET Q q 0 0 0 rg BT 73.79 187.25 Td (, the information required by Item10 is incorporated by reference to the information set forth under the captions Our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 175.25 Td (Board of Directors, Nominees for Election, Corporate Governance Committees of the Board of Directors ) Tj ET Q q 0 0 0 rg BT 504.85 175.25 Td (Audit ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 163.25 Td (Committee, Corporate Governance Nominations of Directors, and Section16\(a\) Beneficial Ownership Reporting ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 151.25 Td (Compliance in our definitive proxy statement for our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 268.83 151.25 Td (2019) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 288.83 151.25 Td ( annual meeting of shareholders, which will be filed with the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 139.25 Td (Securities and Exchange Commission no later than 120 days after the close of the fiscal year ended December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 507.62 139.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 527.62 139.25 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 118.25 Td (Our board of directors has adopted a Code of Conduct and Business Ethics \(Code of Conduct\) that applies to all of our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 106.25 Td (directors and employees, including our chief executive of) Tj ET Q q 0 0 0 rg BT 279.74 106.25 Td (ficer) Tj ET Q q 0 0 0 rg BT 297.65 106.25 Td (, chief financial of) Tj ET Q q 0 0 0 rg BT 370.77 106.25 Td (ficer) Tj ET Q q 0 0 0 rg BT 388.68 106.25 Td (, chief accounting of) Tj ET Q q 0 0 0 rg BT 470.69 106.25 Td (ficer and other ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 94.25 Td (persons performing similar functions. ) Tj ET Q q 0 0 0 rg BT 202.85 94.25 Td (W) Tj ET Q q 0 0 0 rg BT 211.48 94.25 Td (e have posted a copy of our Code of Conduct on the About For Investors ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 82.25 Td (Corporate Governance Governance Documents section of our website at www) Tj ET Q q 0 0 0 rg BT 375.35 82.25 Td (.fiserv) Tj ET Q q 0 0 0 rg BT 399.97 82.25 Td (.com. ) Tj ET Q q 0 0 0 rg BT 424.50 82.25 Td (W) Tj ET Q q 0 0 0 rg BT 433.14 82.25 Td (e intend to satisfy the disclosure ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 70.25 Td (requirements under Item5.05 of Form 8-K regarding amendments to, or waivers from, the Code of Conduct by posting such ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 58.25 Td (information on the About For Investors section of our website at www) Tj ET Q q 0 0 0 rg BT 347.62 58.25 Td (.fiserv) Tj ET Q q 0 0 0 rg BT 372.24 58.25 Td (.com. ) Tj ET Q q 0 0 0 rg BT 396.78 58.25 Td (W) Tj ET Q q 0 0 0 rg BT 405.42 58.25 Td (e are not including the information ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 46.25 Td (contained on our website as part of, or incorporating it by reference into, this report.) Tj ET Q endstream endobj 155 0 obj <> endobj 156 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (75) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Item1) Tj ET Q q 0 0 0 rg BT 76.94 742.25 Td (1. ) Tj ET Q q 0 0 0 rg BT 86.00 742.25 Td ( Executive Compensation) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (The information required by Item1) Tj ET Q q 0 0 0 rg BT 191.53 721.25 Td (1 is incorporated by reference to the information set forth under the captions Director ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 709.25 Td (Compensation, Compensation Discussion and ) Tj ET Q q 0 0 0 rg BT 244.70 709.25 Td (Analysis, Compensation Committee Report, Compensation Committee ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 697.25 Td (Interlocks and Insider Participation, Executive Compensation, and Pay Ratio in our definitive proxy statement for our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 685.25 Td (2019) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 70.00 685.25 Td ( annual meeting of shareholders, which will be filed with the Securities and Exchange Commission no later than 120 days ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 673.25 Td (after the close of the fiscal year ended December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 262.95 673.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 282.95 673.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.25 Td (Item12. ) Tj ET Q q 0 0 0 rg BT 86.00 652.25 Td ( Security Ownership of Certain Beneficial Owners and Management and Related Stockholder) Tj ET Q q 0 0 0 rg BT 488.02 652.25 Td ( Matters) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 631.25 Td (The information set forth under the caption Security Ownership of Certain Beneficial Owners and Management in our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 619.25 Td (definitive proxy statement for our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 187.46 619.25 Td (2019) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 207.46 619.25 Td ( annual meeting of shareholders, which will be filed with the Securities and Exchange ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 607.25 Td (Commission no later than 120 days after the close of the fiscal year ended December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 406.83 607.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 426.83 607.25 Td (, is incorporated by reference ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 595.25 Td (herein.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.10 574.25 Td (Equity Compensation Plan Information) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 553.25 Td (The table below sets forth information with respect to compensation plans under which equity securities are authorized for ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 541.25 Td (issuance as of December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 166.62 541.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 186.62 541.25 Td (.) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 530.75 m 50.5 515.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 530.75 m 260.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 530.75 m 260.5 515.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 530.75 m 359.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 530.75 m 359.5 515.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 530.75 m 452.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 530.75 m 452.5 515.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 530.75 m 562.5 515.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 530.75 m 562.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 515.75 m 50.5 441.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 515.75 m 260.5 515.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 515.75 m 260.5 441.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 515.75 m 359.5 515.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 515.75 m 359.5 441.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 515.75 m 452.5 515.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 515.75 m 452.5 441.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 515.75 m 562.5 441.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 515.75 m 562.5 515.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 441.75 m 50.5 416.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 441.75 m 260.5 416.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 441.75 m 260.5 441.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 416.75 m 260.5 416.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 441.75 m 260.5 416.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 441.75 m 359.5 441.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 441.75 m 359.5 416.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 441.75 m 452.5 416.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 441.75 m 452.5 441.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 416.75 m 452.5 416.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 441.75 m 452.5 416.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 441.75 m 562.5 416.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 441.75 m 562.5 441.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 416.75 m 50.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 416.75 m 260.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 416.75 m 359.5 416.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 416.75 m 359.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 416.75 m 452.5 416.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 416.75 m 452.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 416.75 m 562.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 416.75 m 562.5 416.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 391.75 m 50.5 376.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 391.75 m 260.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 376.75 m 260.5 376.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 391.75 m 260.5 376.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 391.75 m 359.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 376.75 m 359.5 376.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 391.75 m 359.5 376.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 391.75 m 452.5 376.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 391.75 m 452.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 376.75 m 452.5 376.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 391.75 m 452.5 376.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.5 391.75 m 562.5 376.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 391.75 m 562.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 376.75 m 562.5 376.75 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.95 520.42 Td (\(a\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 399.65 520.42 Td (\(b\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 501.45 520.42 Td (\(c\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 446.43 Td (Plan Category) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.60 486.43 Td (Number) Tj ET Q q 0 0 0 rg BT 306.97 486.43 Td (ofshar) Tj ET Q q 0 0 0 rg BT 339.01 486.43 Td (es) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.65 476.43 Td (to be issued upon) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.20 466.43 Td (exer) Tj ET Q q 0 0 0 rg BT 305.33 466.43 Td (cise of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.15 456.43 Td (outstandingoptions,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.95 446.43 Td (warrants and rights) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.85 476.43 Td (W) Tj ET Q q 0 0 0 rg BT 376.30 476.43 Td (eighted-average) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.15 466.43 Td (exer) Tj ET Q q 0 0 0 rg BT 389.28 466.43 Td (cise price of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.15 456.43 Td (outstandingoptions,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.95 446.43 Td (warrants and rights) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.10 506.43 Td (Number) Tj ET Q q 0 0 0 rg BT 504.47 506.43 Td (ofshar) Tj ET Q q 0 0 0 rg BT 536.51 506.43 Td (es) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.15 496.43 Td (r) Tj ET Q q 0 0 0 rg BT 461.41 496.43 Td (emainingavailablefor) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.75 486.43 Td (futur) Tj ET Q q 0 0 0 rg BT 482.79 486.43 Td (e issuance under) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.95 476.43 Td (equity compensation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.10 466.43 Td (plans \(excluding) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.80 456.43 Td (securities r) Tj ET Q q 0 0 0 rg BT 508.54 456.43 Td (eflected in) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.40 446.43 Td (column \(a\)\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 432.32 Td (Equity compensation plans approved by our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 62.00 422.32 Td (shareholders) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 112.54 426.85 Td ( \(1\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 281.95 421.42 Td (12,715,853 ) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 329.45 425.95 Td (\(2\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 386.70 421.42 Td ($33.96 ) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 416.70 425.95 Td (\(3\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 479.60 421.42 Td (35,491,41) Tj ET Q q 0 0 0 rg BT 519.23 421.42 Td (1 ) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 526.73 425.95 Td (\(4\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 407.32 Td (Equity compensation plans not approved by our) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 62.00 397.32 Td (shareholders) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.15 396.42 Td (N/A) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 397.15 396.42 Td (N/A) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 498.65 396.42 Td (N/A) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 382.32 Td (T) Tj ET Q q 0 0 0 rg BT 82.41 382.32 Td (otal) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 287.00 381.42 Td (12,715,853) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 389.20 381.42 Td (33.96 ) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 414.20 385.95 Td (\(3\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 484.50 381.42 Td (35,491,41) Tj ET Q q 0 0 0 rg BT 524.50 381.42 Td (1) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 356.25 Td (\(1\) ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 356.25 Td (Columns \(a\)and \(c\)of the table above do not include ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 284.32 356.25 Td (1,681,038) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.32 356.25 Td ( unvested restricted stock units outstanding under the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 344.25 Td (Amended and Restated Fiserv) Tj ET Q q 0 0 0 rg BT 187.60 344.25 Td (, Inc. 2007 Omnibus Incentive Plan \(the Incentive Plan\) or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 433.08 344.25 Td (25,336,020) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 478.08 344.25 Td ( shares authorized ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 332.25 Td (for issuance under the Fiserv) Tj ET Q q 0 0 0 rg BT 182.87 332.25 Td (, Inc. ) Tj ET Q q 0 0 0 rg BT 205.09 332.25 Td (Amended and Restated Employee Stock Purchase Plan. ) Tj ET Q q 0 0 0 rg BT 429.86 332.25 Td (The number of shares remaining ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 320.25 Td (available for future issuance under the employee stock purchase plan is subject to an annual increase on the first day of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 308.25 Td (each fiscal year equal to the lesser of \(i\)4,000,000 shares, \(ii\)1% of the shares of our common stock outstanding on such ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 296.25 Td (date or \(iii\)a lesser amount determined by our board of directors.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 275.25 Td (\(2\) ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 275.25 Td (Consists of options outstanding under the Incentive Plan as well as ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 337.69 275.25 Td (524,290) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 370.19 275.25 Td ( shares subject to performance share units at the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 263.25 Td (tar) Tj ET Q q 0 0 0 rg BT 78.37 263.25 Td (get award level under the Incentive Plan and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 258.85 263.25 Td (140,009) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 291.35 263.25 Td ( shares subject to non-employee director deferred compensation ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 251.25 Td (notional units under the Incentive Plan.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 230.25 Td (\(3\) ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 230.25 Td (Represents the weighted average exercise price of outstanding options and does not take into account outstanding ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 218.25 Td (performance share units or non-employee director deferred compensation notional units.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 197.25 Td (\(4\) ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 197.25 Td (Reflects the number of shares available for future issuance under the Incentive Plan.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 176.25 Td (Item13. ) Tj ET Q q 0 0 0 rg BT 86.00 176.25 Td ( Certain Relationships and Related ) Tj ET Q q 0 0 0 rg BT 240.27 176.25 Td (T) Tj ET Q q 0 0 0 rg BT 246.20 176.25 Td (ransactions, and Dir) Tj ET Q q 0 0 0 rg BT 332.97 176.25 Td (ector) Tj ET Q q 0 0 0 rg BT 354.44 176.25 Td ( Independence) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 155.25 Td (The information required by Item13 is incorporated by reference to the information set forth under the captions Corporate ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 143.25 Td (Governance Director Independence, and Corporate Governance Review) Tj ET Q q 0 0 0 rg BT 361.15 143.25 Td (, ) Tj ET Q q 0 0 0 rg BT 365.60 143.25 Td (Approval or Ratification of ) Tj ET Q q 0 0 0 rg BT 477.05 143.25 Td (T) Tj ET Q q 0 0 0 rg BT 482.81 143.25 Td (ransactions with ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 131.25 Td (Related Persons, in our definitive proxy statement for our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 287.16 131.25 Td (2019) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 307.16 131.25 Td ( annual meeting of shareholders, which will be filed with the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 119.25 Td (Securities and Exchange Commission no later than 120 days after the close of the fiscal year ended December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 507.62 119.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 527.62 119.25 Td (.) Tj ET Q endstream endobj 157 0 obj <> endobj 158 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (76) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Item14. ) Tj ET Q q 0 0 0 rg BT 86.00 742.25 Td ( Principal ) Tj ET Q q 0 0 0 rg BT 132.39 742.25 Td (Accounting Fees and Services) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (The information required by Item14 is incorporated by reference to the information set forth under the captions Independent ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 709.25 Td (Registered Public ) Tj ET Q q 0 0 0 rg BT 122.77 709.25 Td (Accounting Firm and Fees and Audit Committee Pre-Approval Policy in our definitive proxy statement ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 697.25 Td (for our ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 79.99 697.25 Td (2019) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 99.99 697.25 Td ( annual meeting of shareholders, which will be filed with the Securities and Exchange Commission no later than ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 685.25 Td (120 days after the close of the fiscal year ended December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.28 685.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 321.28 685.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.30 664.25 Td (P) Tj ET Q q 0 0 0 rg BT 291.67 664.25 Td (AR) Tj ET Q q 0 0 0 rg BT 305.76 664.25 Td (T) Tj ET Q q 0 0 0 rg BT 312.25 664.25 Td ( IV) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 643.25 Td (Item15. ) Tj ET Q q 0 0 0 rg BT 86.00 643.25 Td ( Exhibits, Financial Statement Schedules) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td (Financial Statement Schedules) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 601.25 Td (Financial statement schedules have been omitted because they are not applicable or the required information is shown in the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 589.25 Td (consolidated financial statements or accompanying notes.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 568.25 Td (Exhibits) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 547.25 Td (The exhibits listed in the accompanying exhibit index are filed as part of this ) Tj ET Q q 0 0 0 rg BT 358.81 547.25 Td (Annual Report on Form 10-K.) 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gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 47.450000000000045 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 556.5 47.450000000000045 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 47.450000000000045 m BT /F1 10.00 Tf ET q 0 0 0 rg BT 79.65 495.63 Td (Exhibit) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 77.8 484.06259765625003 m 113.26142578125 484.06259765625003 l s q 0 0 0 rg BT 77.80 485.63 Td (Number) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 140 484.06259765625003 m 223.6181640625 484.06259765625003 l s q 0 0 0 rg BT 140.00 485.63 Td (Exhibit Description) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 460.62 Td (2.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 470.62 Td (Agreement and Plan of Mer) Tj ET Q q 0 0 0 rg BT 251.45 470.62 Td (ger) Tj ET Q q 0 0 0 rg BT 263.82 470.62 Td (, dated as of January 16, 2019, among Fiserv) Tj ET Q q 0 0 0 rg BT 442.30 470.62 Td (, Inc., 300 Holdings, Inc. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 460.62 Td (and First Data Corporation \(1\)) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 446.52 Td (3.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 446.52 Td (Restated ) Tj ET Q q 0 0 0 rg BT 176.38 446.52 Td (Articles of Incorporation \(2\)) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 432.52 Td (3.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 432.52 Td (Amended and Restated By-laws \(3\)) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 408.62 Td (4.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 418.52 Td (Third ) Tj ET Q q 0 0 0 rg BT 164.17 418.52 Td (Amended and Restated Credit ) Tj ET Q q 0 0 0 rg BT 286.36 418.52 Td (Agreement, dated as of September 19, 2018, among Fiserv) Tj ET Q q 0 0 0 rg BT 520.93 418.52 Td (, Inc. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 408.52 Td (and the financial institutions party thereto \(4\)) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 384.62 Td (4.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 394.52 Td (Amendment No. 1 to ) Tj ET Q q 0 0 0 rg BT 226.75 394.52 Td (Third ) Tj ET Q q 0 0 0 rg BT 250.92 394.52 Td (Amended and Restated Credit ) Tj ET Q q 0 0 0 rg BT 373.11 394.52 Td (Agreement, dated as of February 6, 2019, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 384.52 Td (among Fiserv) Tj ET Q q 0 0 0 rg BT 194.07 384.52 Td (, Inc. and the financial institutions party thereto \(5\)) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 360.62 Td (4.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 370.52 Td (Amendment No. 2 to ) Tj ET Q q 0 0 0 rg BT 226.75 370.52 Td (Third ) Tj ET Q q 0 0 0 rg BT 250.92 370.52 Td (Amended and Restated Credit ) Tj ET Q q 0 0 0 rg BT 373.11 370.52 Td (Agreement, dated as of February 15, 2019, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 360.52 Td (among Fiserv) Tj ET Q q 0 0 0 rg BT 194.07 360.52 Td (, Inc. and the financial institutions party thereto) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 336.62 Td (4.4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 346.52 Td (Indenture, dated as of November 20, 2007, by and among Fiserv) Tj ET Q q 0 0 0 rg BT 397.34 346.52 Td (, Inc., the guarantors named therein ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 336.52 Td (and U.S. Bank National ) Tj ET Q q 0 0 0 rg BT 237.21 336.52 Td (Association \(6\)) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 312.62 Td (4.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 322.52 Td (Eighth Supplemental Indenture, dated as of June 14, 201) Tj ET Q q 0 0 0 rg BT 366.25 322.52 Td (1, among Fiserv) Tj ET Q q 0 0 0 rg BT 430.31 322.52 Td (, Inc., the guarantors named ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 312.52 Td (therein and U.S. Bank National ) Tj ET Q q 0 0 0 rg BT 267.48 312.52 Td (Association \(7\)) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 288.62 Td (4.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 298.52 Td (T) Tj ET Q q 0 0 0 rg BT 145.41 298.52 Td (enth Supplemental Indenture, dated as of September 25, 2012, among Fiserv) Tj ET Q q 0 0 0 rg BT 451.08 298.52 Td (, Inc., the guarantors ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 288.52 Td (named therein and U.S. Bank National ) Tj ET Q q 0 0 0 rg BT 296.63 288.52 Td (Association \(8\)) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 264.62 Td (4.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 274.52 Td (T) Tj ET Q q 0 0 0 rg BT 145.41 274.52 Td (welfth Supplemental Indenture, dated as of May 22, 2015, between Fiserv) Tj ET Q q 0 0 0 rg BT 441.07 274.52 Td (, Inc. and U.S. Bank ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 264.52 Td (National ) Tj ET Q q 0 0 0 rg BT 176.38 264.52 Td (Association \(9\)) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 239.62 Td (4.8) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 249.62 Td (Thirteenth Supplemental Indenture, dated as of May 22, 2015, between Fiserv) Tj ET Q q 0 0 0 rg BT 451.77 249.62 Td (, Inc. and U.S. Bank ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 239.62 Td (National ) Tj ET Q q 0 0 0 rg BT 176.38 239.62 Td (Association \(9\)) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 214.62 Td (4.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 224.62 Td (Fourteenth Supplemental Indenture, dated as of September 25, 2018, between Fiserv) Tj ET Q q 0 0 0 rg BT 477.88 224.62 Td (, Inc. and U.S. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 214.62 Td (Bank National ) Tj ET Q q 0 0 0 rg BT 199.99 214.62 Td (Association \(10\)) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 189.62 Td (4.10) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 199.62 Td (Fifteenth Supplemental Indenture, dated as of September 25, 2018, between Fiserv) Tj ET Q q 0 0 0 rg BT 470.65 199.62 Td (, In. and U.S. Bank ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 189.62 Td (National ) Tj ET Q q 0 0 0 rg BT 176.38 189.62 Td (Association \(10\)) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 164.62 Td (4.1) Tj ET Q q 0 0 0 rg BT 93.50 164.62 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 174.62 Td (Shareholder ) Tj ET Q q 0 0 0 rg BT 190.26 174.62 Td (Agreement, dated as of January 16, 2019, between Fiserv) Tj ET Q q 0 0 0 rg BT 419.27 174.62 Td (, Inc. and New Omaha Holdings ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 164.62 Td (L.P) Tj ET Q q 0 0 0 rg BT 153.06 164.62 Td (. \(1\)) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 139.62 Td (4.12) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 149.62 Td (Registration Rights ) Tj ET Q q 0 0 0 rg BT 219.45 149.62 Td (Agreement, dated as of January 16, 2019, between Fiserv) Tj ET Q q 0 0 0 rg BT 448.45 149.62 Td (, Inc. and New Omaha ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 139.62 Td (Holdings L.P) Tj ET Q q 0 0 0 rg BT 192.23 139.62 Td (. \(1\)) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 114.62 Td (4.13) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 124.62 Td (T) Tj ET Q q 0 0 0 rg BT 145.41 124.62 Td (erm Loan Credit ) Tj ET Q q 0 0 0 rg BT 213.45 124.62 Td (Agreement, dated as of February 15, 2019, among Fiserv) Tj ET Q q 0 0 0 rg BT 441.35 124.62 Td (, Inc. and the financial ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 114.62 Td (institutions party thereto) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 100.52 Td (Pursuant to Item 601\(b\)\(4\)\(iii\) of Regulation S-K, the Company agrees to furnish to the Securities and) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 90.52 Td (Exchange Commission, upon request, any instrument defining the rights of holders of long-term debt) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 80.52 Td (that is not filed as an exhibit to this Form 10-K.) 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308.5 m 556.5 308.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 294.5 m 54.5 280.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 294.5 m 78.5 294.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 78.5 294.5 m 137.5 294.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 294.5 m 137.5 280.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 556.5 294.5 m 556.5 280.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 294.5 m 556.5 294.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 280.5 m 54.5 256.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 280.5 m 78.5 280.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 78.5 280.5 m 137.5 280.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 280.5 m 137.5 256.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 556.5 280.5 m 556.5 256.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 280.5 m 556.5 280.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 256.5 m 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242.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 218.5 m 54.5 204.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 218.5 m 78.5 218.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 78.5 218.5 m 137.5 218.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 218.5 m 137.5 204.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 556.5 218.5 m 556.5 204.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 218.5 m 556.5 218.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 204.5 m 54.5 180.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 204.5 m 78.5 204.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 78.5 204.5 m 137.5 204.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 204.5 m 137.5 180.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 556.5 204.5 m 556.5 180.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 204.5 m 556.5 204.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54.5 180.5 m 54.5 166.5 l s 0 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0 rg BT 81.00 739.07 Td (10.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 739.07 Td (- ) Tj ET Q q 0 0 0 rg BT 145.83 739.07 Td (Form ) Tj ET Q q 0 0 0 rg BT 170.00 739.07 Td (of ) Tj ET Q q 0 0 0 rg BT 180.83 739.07 Td (Restricted ) Tj ET Q q 0 0 0 rg BT 223.87 739.07 Td (Stock ) Tj ET Q q 0 0 0 rg BT 249.15 739.07 Td (Unit ) Tj ET Q q 0 0 0 rg BT 268.88 739.07 Td (Agreement ) Tj ET Q q 0 0 0 rg BT 315.80 739.07 Td (\(Non) Tj ET Q /GS0 gs q 3.00 0 0 10.09 336.35 736.91 cm /I22 Do Q q 0 0 0 rg BT 339.35 739.07 Td (Employee ) Tj ET Q q 0 0 0 rg BT 382.39 739.07 Td (Director\) ) Tj ET Q q 0 0 0 rg BT 421.54 739.07 Td (\(12\)*) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 725.07 Td (10.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 725.07 Td (- Form of Restricted Stock Unit ) Tj ET Q q 0 0 0 rg BT 268.88 725.07 Td (Agreement \(Employee-PR\) \(13\)*) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 711.07 Td (10.4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 711.07 Td (- Form of ) Tj ET Q q 0 0 0 rg BT 180.28 711.07 Td (Amendment to Restricted Stock Unit ) Tj ET Q q 0 0 0 rg BT 330.54 711.07 Td (Agreement \(Employee-PR\) \(14\)*) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 697.07 Td (10.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 697.07 Td (- Form of Restricted Stock Unit ) Tj ET Q q 0 0 0 rg BT 268.88 697.07 Td (Agreement \(Employee-E\) \(13\)*) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 683.07 Td (10.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 683.07 Td (- Form of Restricted Stock Unit ) Tj ET Q q 0 0 0 rg BT 268.88 683.07 Td (Agreement \(Employee-N\) \(13\)*) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 669.07 Td (10.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 669.07 Td (- Form of Non-Qualified Stock Option ) Tj ET Q q 0 0 0 rg BT 296.65 669.07 Td (Agreement \(Non-Employee Director) Tj ET Q q 0 0 0 rg BT 443.61 669.07 Td (-LE\) \(12\)*) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 645.17 Td (10.8) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 655.07 Td (- Form of First ) Tj ET Q q 0 0 0 rg BT 201.12 655.07 Td (Amendment to Non-Qualified Stock Option ) Tj ET Q q 0 0 0 rg BT 379.15 655.07 Td (Agreement \(Non-Employee Director - LE\) ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 645.07 Td (\(15\)*) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 631.07 Td (10.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 631.07 Td (- Form of Non-Qualified Stock Option ) Tj ET Q q 0 0 0 rg BT 296.65 631.07 Td (Agreement \(Non-Employee Director - EE\) \(15\)*) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 607.17 Td (10.10) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 617.07 Td (- Form of Second ) Tj ET Q q 0 0 0 rg BT 212.22 617.07 Td (Amendment to Non-Qualified Stock Option ) Tj ET Q q 0 0 0 rg BT 390.25 617.07 Td (Agreement \(Non-Employee Director - ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 607.07 Td (LE/EE\) \(16\)*) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 593.07 Td (10.1) Tj ET Q q 0 0 0 rg BT 98.50 593.07 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 593.07 Td (- Form of Non-Qualified Stock Option ) Tj ET Q q 0 0 0 rg BT 296.65 593.07 Td (Agreement \(Non-Employee Director - N\) \(16\)*) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 579.07 Td (10.12) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 579.07 Td (- Form of Stock Option ) Tj ET Q q 0 0 0 rg BT 235.83 579.07 Td (Agreement \(Employee-F\) \(13\)*) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 565.07 Td (10.13) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 565.07 Td (- Form of ) Tj ET Q q 0 0 0 rg BT 180.28 565.07 Td (Amendment to Stock Option ) Tj ET Q q 0 0 0 rg BT 297.50 565.07 Td (Agreement \(Employee-F\) \(14\)*) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 551.07 Td (10.14) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 551.07 Td (- Form of Stock Option ) Tj ET Q q 0 0 0 rg BT 235.83 551.07 Td (Agreement \(Employee-E\) \(13\)*) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 537.07 Td (10.15) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 537.07 Td (- Form of Stock Option ) Tj ET Q q 0 0 0 rg BT 235.83 537.07 Td (Agreement \(Employee-N\) \(13\)*) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 523.07 Td (10.16) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 523.07 Td (- Form of Performance Share Unit ) Tj ET Q q 0 0 0 rg BT 279.41 523.07 Td (Agreement \(Employee-PR\) \(13\)*) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 509.07 Td (10.17) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 509.07 Td (- Form of Performance Share Unit ) Tj ET Q q 0 0 0 rg BT 279.41 509.07 Td (Agreement \(Employee-E\) \(13\)*) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 495.07 Td (10.18) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 495.07 Td (- Form of Performance Share Unit ) Tj ET Q q 0 0 0 rg BT 279.41 495.07 Td (Agreement \(Employee-N\) \(13\)*) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 471.17 Td (10.19) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 481.07 Td (Amended and Restated Employment ) Tj ET Q q 0 0 0 rg BT 288.86 481.07 Td (Agreement, dated December 22, 2008, between Fiserv) Tj ET Q q 0 0 0 rg BT 506.19 481.07 Td (,Inc. and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 471.07 Td (Jef) Tj ET Q q 0 0 0 rg BT 151.48 471.07 Td (fery) Tj ET Q q 0 0 0 rg BT 169.90 471.07 Td (W) Tj ET Q q 0 0 0 rg BT 178.42 471.07 Td (.) Tj ET Q q 0 0 0 rg BT 183.05 471.07 Td (Y) Tj ET Q q 0 0 0 rg BT 189.27 471.07 Td (abuki \(17\)*) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 447.17 Td (10.20) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 457.07 Td (Amendment No. 1 to ) Tj ET Q q 0 0 0 rg BT 226.38 457.07 Td (Amended and Restated Employment ) Tj ET Q q 0 0 0 rg BT 375.24 457.07 Td (Agreement, dated February 26, 2009, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 447.07 Td (between Fiserv) Tj ET Q q 0 0 0 rg BT 200.17 447.07 Td (, Inc. and Jef) Tj ET Q q 0 0 0 rg BT 251.35 447.07 Td (fery ) Tj ET Q q 0 0 0 rg BT 269.77 447.07 Td (W) Tj ET Q q 0 0 0 rg BT 278.29 447.07 Td (. ) Tj ET Q q 0 0 0 rg BT 282.92 447.07 Td (Y) Tj ET Q q 0 0 0 rg BT 289.14 447.07 Td (abuki \(18\)*) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 423.17 Td (10.21) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 433.07 Td (Amendment No. 2 to ) Tj ET Q q 0 0 0 rg BT 226.38 433.07 Td (Amended and Restated Employment ) Tj ET Q q 0 0 0 rg BT 375.24 433.07 Td (Agreement, dated December 30, 2009, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 423.07 Td (between Fiserv) Tj ET Q q 0 0 0 rg BT 200.17 423.07 Td (, Inc. and Jef) Tj ET Q q 0 0 0 rg BT 251.35 423.07 Td (fery ) Tj ET Q q 0 0 0 rg BT 269.77 423.07 Td (W) Tj ET Q q 0 0 0 rg BT 278.29 423.07 Td (. ) Tj ET Q q 0 0 0 rg BT 282.92 423.07 Td (Y) Tj ET Q q 0 0 0 rg BT 289.14 423.07 Td (abuki \(19\)*) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 399.17 Td (10.22) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 409.07 Td (Amendment No. 3 to ) Tj ET Q q 0 0 0 rg BT 226.38 409.07 Td (Amended and Restated Employment ) Tj ET Q q 0 0 0 rg BT 375.24 409.07 Td (Agreement, dated March 29, 2016, between ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 399.07 Td (Fiserv) Tj ET Q q 0 0 0 rg BT 164.35 399.07 Td (, Inc. and Jef) Tj ET Q q 0 0 0 rg BT 215.54 399.07 Td (fery ) Tj ET Q q 0 0 0 rg BT 233.96 399.07 Td (W) Tj ET Q q 0 0 0 rg BT 242.48 399.07 Td (. ) Tj ET Q q 0 0 0 rg BT 247.10 399.07 Td (Y) Tj ET Q q 0 0 0 rg BT 253.33 399.07 Td (abuki \(20\)*) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 375.17 Td (10.23) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 385.07 Td (Amended and Restated Key Executive Employment and Severance ) Tj ET Q q 0 0 0 rg BT 411.02 385.07 Td (Agreement, dated December 22, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 375.07 Td (2008, between Fiserv) Tj ET Q q 0 0 0 rg BT 225.17 375.07 Td (, Inc. and Jef) Tj ET Q q 0 0 0 rg BT 276.35 375.07 Td (fery ) Tj ET Q q 0 0 0 rg BT 294.77 375.07 Td (W) Tj ET Q q 0 0 0 rg BT 303.29 375.07 Td (. ) Tj ET Q q 0 0 0 rg BT 307.92 375.07 Td (Y) Tj ET Q q 0 0 0 rg BT 314.14 375.07 Td (abuki \(17\)*) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 351.17 Td (10.24) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 361.07 Td (Amendment No. 1 to ) Tj ET Q q 0 0 0 rg BT 226.38 361.07 Td (Amended and Restated Key Executive Employment and Severance ) Tj ET Q q 0 0 0 rg BT 497.40 361.07 Td (Agreement, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 351.07 Td (dated March 29, 2016, between Fiserv) Tj ET Q q 0 0 0 rg BT 292.92 351.07 Td (, Inc. and Jef) Tj ET Q q 0 0 0 rg BT 344.11 351.07 Td (fery ) Tj ET Q q 0 0 0 rg BT 362.52 351.07 Td (W) Tj ET Q q 0 0 0 rg BT 371.04 351.07 Td (. ) Tj ET Q q 0 0 0 rg BT 375.67 351.07 Td (Y) Tj ET Q q 0 0 0 rg BT 381.89 351.07 Td (abuki \(20\)*) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 337.07 Td (10.25) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 337.07 Td (Employment ) Tj ET Q q 0 0 0 rg BT 193.61 337.07 Td (Agreement, dated February 23, 2010, between Fiserv) Tj ET Q q 0 0 0 rg BT 405.95 337.07 Td (, Inc. and L) Tj ET Q q 0 0 0 rg BT 451.22 337.07 Td (ynn S. McCreary \(21\)*) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 313.17 Td (10.26) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 323.07 Td (Amendment No. 1 to Employment ) Tj ET Q q 0 0 0 rg BT 280.54 323.07 Td (Agreement, dated July 1, 2013, between Fiserv) Tj ET Q q 0 0 0 rg BT 468.46 323.07 Td (, Inc. and L) Tj ET Q q 0 0 0 rg BT 513.72 323.07 Td (ynn S. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 313.07 Td (McCreary \(21\)*) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 299.07 Td (10.27) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 299.07 Td (Employment ) Tj ET Q q 0 0 0 rg BT 193.61 299.07 Td (Agreement, dated November 7, 2013, between Fiserv) Tj ET Q q 0 0 0 rg BT 407.06 299.07 Td (, Inc. and Byron C. ) Tj ET Q q 0 0 0 rg BT 485.76 299.07 Td (V) Tj ET Q q 0 0 0 rg BT 492.38 299.07 Td (ielehr \(22\)*) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 285.07 Td (10.28) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 285.07 Td (Letter ) Tj ET Q q 0 0 0 rg BT 165.82 285.07 Td (Agreement, dated October 22, 2014, between Fiserv) Tj ET Q q 0 0 0 rg BT 374.27 285.07 Td (, Inc. and Kevin J. Schultz \(14\)*) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 261.17 Td (10.29) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 271.07 Td (Form of ) Tj ET Q q 0 0 0 rg BT 174.45 271.07 Td (Amended and Restated Key Executive Employment and Severance ) Tj ET Q q 0 0 0 rg BT 445.47 271.07 Td (Agreement, between ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 261.07 Td (Fiserv) Tj ET Q q 0 0 0 rg BT 164.35 261.07 Td (, Inc. and eachof L) Tj ET Q q 0 0 0 rg BT 241.26 261.07 Td (ynn McCreary) Tj ET Q q 0 0 0 rg BT 298.65 261.07 Td (, Kevin Schultz and Byron ) Tj ET Q q 0 0 0 rg BT 407.34 261.07 Td (V) Tj ET Q q 0 0 0 rg BT 413.96 261.07 Td (ielehr \(17\)*) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 247.07 Td (10.30) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 247.07 Td (Letter ) Tj ET Q q 0 0 0 rg BT 165.82 247.07 Td (Agreement, ef) Tj ET Q q 0 0 0 rg BT 222.83 247.07 Td (fective February 10, 2016, between Fiserv) Tj ET Q q 0 0 0 rg BT 391.30 247.07 Td (, Inc. and Robert ) Tj ET Q q 0 0 0 rg BT 460.54 247.07 Td (W) Tj ET Q q 0 0 0 rg BT 469.06 247.07 Td (. Hau \(23\)*) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 223.17 Td (10.31) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 233.07 Td (Form of Key Executive Employment and Severance ) Tj ET Q q 0 0 0 rg BT 350.77 233.07 Td (Agreement between Fiserv) Tj ET Q q 0 0 0 rg BT 457.86 233.07 Td (, Inc. and Robert ) Tj ET Q q 0 0 0 rg BT 527.10 233.07 Td (W) Tj ET Q q 0 0 0 rg BT 535.63 233.07 Td (. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 223.07 Td (Hau \(24\)*) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 209.07 Td (10.32) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 209.07 Td (Letter ) Tj ET Q q 0 0 0 rg BT 165.82 209.07 Td (Agreement, ef) Tj ET Q q 0 0 0 rg BT 222.83 209.07 Td (fective October 31, 2016, between Fiserv) Tj ET Q q 0 0 0 rg BT 387.41 209.07 Td (, Inc. and Devin B. 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Non-Qualified Deferred Compensation Plan \(16\)*) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 157.07 Td (10.35) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 157.07 Td (Form of Non-Employee Director Indemnity ) Tj ET Q q 0 0 0 rg BT 317.46 157.07 Td (Agreement \(25\)) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 143.07 Td (10.36) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 143.07 Td (Fiserv) Tj ET Q q 0 0 0 rg BT 164.35 143.07 Td (, Inc. Non-Employee Director Deferred Compensation Plan \(16\)*) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 129.07 Td (10.37) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 129.07 Td (Non-Employee Director Compensation Schedule \(26\)*) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 104.17 Td (10.38) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 114.17 Td (V) Tj ET Q q 0 0 0 rg BT 145.93 114.17 Td (oting and Support ) Tj ET Q q 0 0 0 rg BT 219.55 114.17 Td (Agreement, dated as of January 16, 2019, between Fiserv) Tj ET Q q 0 0 0 rg BT 448.55 114.17 Td (, Inc. and New Omaha ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 104.17 Td (Holdings L.P) Tj ET Q q 0 0 0 rg BT 192.23 104.17 Td (. \(1\)) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 79.17 Td (10.39) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 89.17 Td (Bridge Facility Commitment Letter) Tj ET Q q 0 0 0 rg BT 281.52 89.17 Td (, dated as of January 16, 2019, between Fiserv) Tj ET Q q 0 0 0 rg BT 466.10 89.17 Td (, Inc. and JPMor) Tj ET Q q 0 0 0 rg BT 532.30 89.17 Td (gan ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 79.17 Td (Chase Bank, N.A. \(1\)) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 65.07 Td (21.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 65.07 Td (Subsidiaries of Fiserv) Tj ET Q q 0 0 0 rg BT 226.57 65.07 Td (, Inc.) 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[] 0 d 0 J 0 j 3 M 137.5 615.5 m 556.5 615.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 601.5 m 556.5 601.5 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 728.17 Td (31.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 738.07 Td (Certification of the Chief Executive Of) Tj ET Q q 0 0 0 rg BT 296.15 738.07 Td (ficer pursuant to Section 302 of the Sarbanes-Oxley ) Tj ET Q q 0 0 0 rg BT 505.54 738.07 Td (Act of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 728.07 Td (2002) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 714.07 Td (31.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 714.07 Td (Certification ) Tj ET Q q 0 0 0 rg BT 193.04 714.07 Td (of ) Tj ET Q q 0 0 0 rg BT 203.87 714.07 Td (the ) Tj ET Q q 0 0 0 rg BT 218.58 714.07 Td (Chief ) Tj ET Q q 0 0 0 rg BT 243.30 714.07 Td (Financial ) Tj ET Q q 0 0 0 rg BT 283.01 714.07 Td (Of) Tj ET Q q 0 0 0 rg BT 293.38 714.07 Td (ficer ) Tj ET Q q 0 0 0 rg BT 314.20 714.07 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 351.14 714.07 Td (to ) Tj ET Q q 0 0 0 rg BT 361.42 714.07 Td (Section ) Tj ET Q q 0 0 0 rg BT 393.91 714.07 Td (302 ) Tj ET Q q 0 0 0 rg BT 411.41 714.07 Td (of ) Tj ET Q q 0 0 0 rg BT 422.24 714.07 Td (theSarbanes) Tj ET Q /GS0 gs q 3.00 0 0 10.09 473.06 711.91 cm /I23 Do Q q 0 0 0 rg BT 476.05 714.07 Td (Oxley) Tj ET Q q 0 0 0 rg BT 502.44 714.07 Td (Actof ) Tj ET Q q 0 0 0 rg BT 530.21 714.07 Td (2002) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 690.17 Td (32.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 700.07 Td (Certification of the Chief Executive Of) Tj ET Q q 0 0 0 rg BT 296.15 700.07 Td (ficer and the Chief Financial Of) Tj ET Q q 0 0 0 rg BT 423.42 700.07 Td (ficer pursuanttoSection 906 of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 690.07 Td (the Sarbanes-Oxley ) Tj ET Q q 0 0 0 rg BT 220.53 690.07 Td (Act of 2002) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 676.07 Td (101.INS**) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 676.07 Td (XBRL) Tj ET Q q 0 0 0 rg BT 166.48 676.07 Td ( Instance Document) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 662.07 Td (101.SCH**) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 662.07 Td (XBRL) Tj ET Q q 0 0 0 rg BT 166.48 662.07 Td ( ) Tj ET Q q 0 0 0 rg BT 168.71 662.07 Td (T) Tj ET Q q 0 0 0 rg BT 174.38 662.07 Td (axonomy Extension Schema Document) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 648.07 Td (101.CAL**) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 648.07 Td (XBRL) Tj ET Q q 0 0 0 rg BT 166.48 648.07 Td ( ) Tj ET Q q 0 0 0 rg BT 168.71 648.07 Td (T) Tj ET Q q 0 0 0 rg BT 174.38 648.07 Td (axonomy Extension Calculation Linkbase Document) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 634.07 Td (101.DEF**) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 634.07 Td (XBRL) Tj ET Q q 0 0 0 rg BT 166.48 634.07 Td ( ) Tj ET Q q 0 0 0 rg BT 168.71 634.07 Td (T) Tj ET Q q 0 0 0 rg BT 174.38 634.07 Td (axonomy Extension Definition Linkbase Document) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 620.07 Td (101.LAB**) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 620.07 Td (XBRL) Tj ET Q q 0 0 0 rg BT 166.48 620.07 Td ( ) Tj ET Q q 0 0 0 rg BT 168.71 620.07 Td (T) Tj ET Q q 0 0 0 rg BT 174.38 620.07 Td (axonomy Extension Label Linkbase Document) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.00 606.07 Td (101.PRE**) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 140.00 606.07 Td (XBRL) Tj ET Q q 0 0 0 rg BT 166.30 606.07 Td ( ) Tj ET Q q 0 0 0 rg BT 168.62 606.07 Td (T) Tj ET Q q 0 0 0 rg BT 174.03 606.07 Td (axonomy Extension Presentation Linkbase Document) Tj ET Q BT /F2 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 590.00 Td (_____) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 572.00 Td (* ) Tj ET Q q 0 0 0 rg BT 77.00 572.00 Td (This exhibit is a management contract or compensatory plan or arrangement.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 548.00 Td (** ) Tj ET Q q 0 0 0 rg BT 77.00 548.00 Td (Filed with this ) Tj ET Q q 0 0 0 rg BT 136.73 548.00 Td (Annual Report on Form 10-K are the following documents formatted in XBRL) Tj ET Q q 0 0 0 rg BT 452.69 548.00 Td ( \(Extensible Business ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 536.00 Td (Reporting Language\): \(i\) the Consolidated Statements of Income for the years ended December 31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 476.59 536.00 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 496.59 536.00 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 501.59 536.00 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 521.59 536.00 Td (, and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 524.00 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 97.00 524.00 Td (, \(ii\) the Consolidated Statements of Comprehensive Income for the years ended December 31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 479.10 524.00 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 499.10 524.00 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 504.10 524.00 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 524.10 524.00 Td (, and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 512.00 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 97.00 512.00 Td (, \(iii\) the Consolidated Balance Sheets at December 31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 321.10 512.00 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 341.10 512.00 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 360.54 512.00 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.54 512.00 Td (, \(iv\) the Consolidated Statements of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 500.00 Td (Shareholders) Tj ET Q q 0 0 0 rg BT 131.79 500.00 Td ( Equity for the years ended December 31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 300.90 500.00 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 320.90 500.00 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 325.90 500.00 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 345.90 500.00 Td (, and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 367.83 500.00 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 387.83 500.00 Td (, \(v\) the Consolidated Statements of Cash ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 488.00 Td (Flows for the years ended December 31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 241.39 488.00 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 261.39 488.00 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 266.39 488.00 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 286.39 488.00 Td (, and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 308.33 488.00 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 328.33 488.00 Td (, and \(vi\) Notes to Consolidated Financial Statements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 464.00 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 77.00 464.00 Td (Previously filed as an exhibit to the Company) Tj ET Q q 0 0 0 rg BT 262.81 464.00 Td (s Current Report on form 8-K filed on January 18, 2019, and incorporated ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 452.00 Td (herein by reference.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.00 428.00 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 77.00 428.00 Td (Previously filed as an exhibit to the Company) Tj ET Q q 0 0 0 rg BT 262.81 428.00 Td (s Current Report on Form 8-K filed on February 27, 2018, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 416.00 Td (andincorporated herein by reference.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.00 392.00 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 77.00 392.00 Td (Previously filed as an exhibit to the Company) Tj ET Q q 0 0 0 rg BT 262.81 392.00 Td (s ) Tj ET Q q 0 0 0 rg BT 268.65 392.00 Td (Annual Report on Form 10-K filed on February 19, 2016, and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 380.00 Td (incorporated herein by reference.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.00 356.00 Td (\(4\) ) Tj ET Q q 0 0 0 rg BT 77.00 356.00 Td (Previously filed as an exhibit to the Company) Tj ET Q q 0 0 0 rg BT 262.81 356.00 Td (s Current Report on Form 8-K filed on September 20, 2018, and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 344.00 Td (incorporated herein by reference.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.00 320.00 Td (\(5\) ) Tj ET Q q 0 0 0 rg BT 77.00 320.00 Td (Previously filed as an exhibit to the Company) Tj ET Q q 0 0 0 rg BT 262.81 320.00 Td (s Current Report on Form 8-K filed on February 7, 2019, and incorporated ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 308.00 Td (herein by reference.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 284.00 Td (\(6\) ) Tj ET Q q 0 0 0 rg BT 77.00 284.00 Td (Previously ) Tj ET Q q 0 0 0 rg BT 122.28 284.00 Td (filed ) Tj ET Q q 0 0 0 rg BT 143.10 284.00 Td (as ) Tj ET Q q 0 0 0 rg BT 153.93 284.00 Td (an ) Tj ET Q q 0 0 0 rg BT 165.87 284.00 Td (exhibit ) Tj ET Q q 0 0 0 rg BT 196.15 284.00 Td (to ) Tj ET Q q 0 0 0 rg BT 206.42 284.00 Td (the ) Tj ET Q q 0 0 0 rg BT 221.14 284.00 Td (Company) Tj ET Q q 0 0 0 rg BT 262.81 284.00 Td (s ) Tj ET Q q 0 0 0 rg BT 269.20 284.00 Td (Registration ) Tj ET Q q 0 0 0 rg BT 320.58 284.00 Td (Statement ) Tj ET Q q 0 0 0 rg BT 363.07 284.00 Td (on ) Tj ET Q q 0 0 0 rg BT 375.57 284.00 Td (Form ) Tj ET Q q 0 0 0 rg BT 399.74 284.00 Td (S-3 ) Tj ET Q q 0 0 0 rg BT 416.13 284.00 Td (\(FileNo.333) Tj ET Q /GS0 gs q 3.00 0 0 10.09 469.74 281.84 cm /I24 Do Q q 0 0 0 rg BT 472.74 284.00 Td (147309\) ) Tj ET Q q 0 0 0 rg BT 508.57 284.00 Td (filed ) Tj ET Q q 0 0 0 rg BT 529.39 284.00 Td (on ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 272.00 Td (November 13, 2007, and incorporated herein by reference.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.00 248.00 Td (\(7\) ) Tj ET Q q 0 0 0 rg BT 77.00 248.00 Td (Previously filed as an exhibit to the Company) Tj ET Q q 0 0 0 rg BT 262.81 248.00 Td (s Current Report on Form 8-K filed on June 14, 201) Tj ET Q q 0 0 0 rg BT 470.47 248.00 Td (1, andincorporated ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 236.00 Td (herein by reference.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.00 212.00 Td (\(8\) ) Tj ET Q q 0 0 0 rg BT 77.00 212.00 Td (Previously filed as an exhibit to the Company) Tj ET Q q 0 0 0 rg BT 262.81 212.00 Td (s Current Report on Form 8-K filed on September 25, 2012, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 200.00 Td (andincorporated herein by reference.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.00 176.00 Td (\(9\) ) Tj ET Q q 0 0 0 rg BT 77.00 176.00 Td (Previously filed as an exhibit to the Company) Tj ET Q q 0 0 0 rg BT 262.81 176.00 Td (s Current Report on Form 8-K filed on May 22, 2015, and incorporated ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 164.00 Td (herein by reference.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.00 140.00 Td (\(10\) ) Tj ET Q q 0 0 0 rg BT 77.00 140.00 Td (Previously filed as an exhibit to the Company) Tj ET Q q 0 0 0 rg BT 262.81 140.00 Td (s Current Report on Form 8-K filed on September 25, 2018, and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 128.00 Td (incorporated herein by reference.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.00 104.00 Td (\(1) Tj ET Q q 0 0 0 rg BT 56.96 104.00 Td (1\) ) Tj ET Q q 0 0 0 rg BT 77.00 104.00 Td (Previously filed as an exhibit to the Company) Tj ET Q q 0 0 0 rg BT 262.81 104.00 Td (s Quarterly Report on Form 10-Q filed on May 2, 2018, and incorporated ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 92.00 Td (herein by reference) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.00 68.00 Td (\(12\) ) Tj ET Q q 0 0 0 rg BT 77.00 68.00 Td (Previously filed as an exhibit to the Company) Tj ET Q q 0 0 0 rg BT 262.81 68.00 Td (s ) Tj ET Q q 0 0 0 rg BT 268.65 68.00 Td (Annual Report on Form 10-K filed on February 24, 2012, and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 56.00 Td (incorporated herein by reference.) Tj ET Q endstream endobj 163 0 obj <> endobj 164 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (79) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.00 730.10 Td (\(13\) ) Tj ET Q q 0 0 0 rg BT 77.00 730.10 Td (Previously filed as an exhibit to the Company) Tj ET Q q 0 0 0 rg BT 262.81 730.10 Td (s ) Tj ET Q q 0 0 0 rg BT 268.65 730.10 Td (Annual Report on Form 10-K filed on February 23, 2017, and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 718.10 Td (incorporated herein by reference.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.00 694.10 Td (\(14\) ) Tj ET Q q 0 0 0 rg BT 77.00 694.10 Td (Previously filed as an exhibit to the Company) Tj ET Q q 0 0 0 rg BT 262.81 694.10 Td (s ) Tj ET Q q 0 0 0 rg BT 268.65 694.10 Td (Annual Report on Form 10-K filed on February 20, 2015, and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 682.10 Td (incorporated herein by reference.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.00 658.10 Td (\(15\) ) Tj ET Q q 0 0 0 rg BT 77.00 658.10 Td (Previously filed as an exhibit to the Company) Tj ET Q q 0 0 0 rg BT 262.81 658.10 Td (s Quarterly Report on Form 10-Q filed on ) Tj ET Q q 0 0 0 rg BT 432.22 658.10 Td (August 2, 2017, and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 646.10 Td (incorporated herein by reference.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.00 622.10 Td (\(16\) ) Tj ET Q q 0 0 0 rg BT 77.00 622.10 Td (Previously filed as an exhibit to the Company) Tj ET Q q 0 0 0 rg BT 262.81 622.10 Td (s Current Report on Form 8-K filed on December 1, 2017, and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 610.10 Td (incorporated herein by reference.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.00 586.10 Td (\(17\) ) Tj ET Q q 0 0 0 rg BT 77.00 586.10 Td (Previously filed as an exhibit to the Company) Tj ET Q q 0 0 0 rg BT 262.81 586.10 Td (s Current Report on Form 8-K filed on December 23, 2008, and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 574.10 Td (incorporated herein by reference.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.00 550.10 Td (\(18\) ) Tj ET Q q 0 0 0 rg BT 77.00 550.10 Td (Previously filed as an exhibit to the Company) Tj ET Q q 0 0 0 rg BT 262.81 550.10 Td (s ) Tj ET Q q 0 0 0 rg BT 268.65 550.10 Td (Annual Report on Form 10-K filed on February 27, 2009, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 538.10 Td (andincorporated herein by reference.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.00 514.10 Td (\(19\) ) Tj ET Q q 0 0 0 rg BT 77.00 514.10 Td (Previously filed as an exhibit to the Company) Tj ET Q q 0 0 0 rg BT 262.81 514.10 Td (s Current Report on Form 8-K filed on December 30, 2009, and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 502.10 Td (incorporated herein by reference.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.00 478.10 Td (\(20\) ) Tj ET Q q 0 0 0 rg BT 77.00 478.10 Td (Previously filed as an exhibit to the Company) Tj ET Q q 0 0 0 rg BT 262.81 478.10 Td (s Current Report on Form 8-K filed on ) Tj ET Q q 0 0 0 rg BT 419.46 478.10 Td (April 1, 2016, and incorporated ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 466.10 Td (herein by reference.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.00 442.10 Td (\(21\) ) Tj ET Q q 0 0 0 rg BT 77.00 442.10 Td (Previously filed as an exhibit to the Company) Tj ET Q q 0 0 0 rg BT 262.81 442.10 Td (s Quarterly Report on Form 10-Q filed on October 30, 2013, and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 430.10 Td (incorporated herein by reference.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.00 406.10 Td (\(22\) ) Tj ET Q q 0 0 0 rg BT 77.00 406.10 Td (Previously filed as an exhibit to the Company) Tj ET Q q 0 0 0 rg BT 262.81 406.10 Td (s ) Tj ET Q q 0 0 0 rg BT 268.65 406.10 Td (Annual Report on Form 10-K filed on February 20, 2014, and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 394.10 Td (incorporated herein by reference.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.00 370.10 Td (\(23\) ) Tj ET Q q 0 0 0 rg BT 77.00 370.10 Td (Previously filed as an exhibit to the Company) Tj ET Q q 0 0 0 rg BT 262.81 370.10 Td (s Current Report on Form 8-K filed on February 16, 2016, and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 358.10 Td (incorporated herein by reference.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.00 334.10 Td (\(24\) ) Tj ET Q q 0 0 0 rg BT 77.00 334.10 Td (Previously filed as an exhibit to the Company) Tj ET Q q 0 0 0 rg BT 262.81 334.10 Td (s Quarterly Report on Form 10-Q filed on May 6, 2016, and incorporated ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 322.10 Td (herein by reference.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.00 298.10 Td (\(25\) ) Tj ET Q q 0 0 0 rg BT 77.00 298.10 Td (Previously filed as an exhibit to the Company) Tj ET Q q 0 0 0 rg BT 262.81 298.10 Td (s ) Tj ET Q q 0 0 0 rg BT 268.65 298.10 Td (Annual Report on Form 10-K filed on February 28, 2008, and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 286.10 Td (incorporated herein by reference.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.00 262.10 Td (\(26\) ) Tj ET Q q 0 0 0 rg BT 77.00 262.10 Td (Previously filed as an exhibit to the Company) Tj ET Q q 0 0 0 rg BT 262.81 262.10 Td (s Current Report on Form 8-K filed on May 24, 2018, and incorporated ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 77.00 250.10 Td (herein by reference.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 217.10 Td (Item16. Form 10-K Summary) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 193.10 Td (None.) 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Best) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 281.00 455.00 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 456.32 Td (Chief ) Tj ET Q q 0 0 0 rg BT 325.17 456.32 Td (Accounting Of) Tj ET Q q 0 0 0 rg BT 384.69 456.32 Td (ficer) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 446.32 Td (\(Principal ) Tj ET Q q 0 0 0 rg BT 342.38 446.32 Td (Accounting Of) Tj ET Q q 0 0 0 rg BT 401.91 446.32 Td (ficer\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 441.32 Td (Kenneth F) Tj ET Q q 0 0 0 rg BT 94.54 441.32 Td (. Best) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 418.42 Td (/s/ ) Tj ET Q q 0 0 0 rg BT 64.67 418.42 Td (Alison Davis) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 281.00 418.00 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 419.32 Td (Director) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 403.42 Td (Alison Davis) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 381.42 Td (/s/ Harry F) Tj ET Q q 0 0 0 rg BT 95.93 381.42 Td (. DiSimone) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 381.42 Td (Director) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 366.42 Td (Harry F) Tj ET Q q 0 0 0 rg BT 83.98 366.42 Td (. DiSimone) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 344.42 Td (/s/ John ) Tj ET Q q 0 0 0 rg BT 86.15 344.42 Td (Y) Tj ET Q q 0 0 0 rg BT 92.55 344.42 Td (. Kim) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 281.00 344.00 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 345.32 Td (Director) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 329.42 Td (John ) Tj ET Q q 0 0 0 rg BT 74.21 329.42 Td (Y) Tj ET Q q 0 0 0 rg BT 80.60 329.42 Td (. Kim) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 307.42 Td (/s/ Dennis F) Tj ET Q q 0 0 0 rg BT 100.94 307.42 Td (. 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Simons) Tj ET Q BT /F2 10.00 Tf ET endstream endobj 167 0 obj <> endobj 168 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.35 742.25 Td (EXHIBIT) Tj ET Q q 0 0 0 rg BT 541.96 742.25 Td ( 31.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 202.65 721.25 Td (CER) Tj ET Q q 0 0 0 rg BT 221.50 721.25 Td (TIFICA) Tj ET Q q 0 0 0 rg BT 252.61 721.25 Td (TION PURSUANT) Tj ET Q q 0 0 0 rg BT 331.60 721.25 Td ( ) Tj ET Q q 0 0 0 rg BT 333.92 721.25 Td (T) Tj ET Q q 0 0 0 rg BT 339.85 721.25 Td (O SECTION 302) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 213.15 709.25 Td (OF ) Tj ET Q q 0 0 0 rg BT 228.25 709.25 Td (THE SARBANES-OXLEY) Tj ET Q q 0 0 0 rg BT 339.27 709.25 Td ( ) Tj ET Q q 0 0 0 rg BT 341.22 709.25 Td (ACT) Tj ET Q q 0 0 0 rg BT 361.04 709.25 Td ( OF 2002) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 688.25 Td (I, Jef) Tj ET Q q 0 0 0 rg BT 69.81 688.25 Td (fery ) Tj ET Q q 0 0 0 rg BT 88.23 688.25 Td (W) Tj ET Q q 0 0 0 rg BT 96.75 688.25 Td (. ) Tj ET Q q 0 0 0 rg BT 101.38 688.25 Td (Y) Tj ET Q q 0 0 0 rg BT 107.60 688.25 Td (abuki, certify that:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 667.25 Td (1. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 667.25 Td (I have reviewed this ) Tj ET Q q 0 0 0 rg BT 168.75 667.25 Td (Annual Report on Form 10-K of Fiserv) Tj ET Q q 0 0 0 rg BT 325.31 667.25 Td (, Inc.;) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td (2. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 646.25 Td (Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 634.25 Td (fact necessary to make the statements made, in light of the circumstances under which such statements were made, not ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 622.25 Td (misleading with respect to the period covered by this report;) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 601.25 Td (3. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 601.25 Td (Based on my knowledge, the financial statements, and other financial information included in this report, fairly ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 589.25 Td (present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 577.25 Td (for) Tj ET Q q 0 0 0 rg BT 97.26 577.25 Td (, the periods presented in this report;) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 556.25 Td (4. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 556.25 Td (The registrant) Tj ET Q q 0 0 0 rg BT 144.59 556.25 Td (s other certifying of) Tj ET Q q 0 0 0 rg BT 223.55 556.25 Td (ficer and I are responsible for establishing and maintaining disclosure controls and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 544.25 Td (procedures \(as defined in Exchange ) Tj ET Q q 0 0 0 rg BT 230.66 544.25 Td (Act Rules 13a-15\(e\) and 15d-15\(e\)\) and internal control over financial 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(fectiveness of the disclosure controls and procedures, as of the end of the period ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 113.00 373.25 Td (covered by this report based on such evaluation; and) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 352.25 Td (d. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 113.00 352.25 Td (Disclosed in this report any change in the registrant) Tj ET Q q 0 0 0 rg BT 321.83 352.25 Td (s internal control over financial reporting that occurred ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 113.00 340.25 Td (during the registrant) Tj ET Q q 0 0 0 rg BT 196.87 340.25 Td (s most recent fiscal quarter \(the registrant) Tj ET Q q 0 0 0 rg BT 365.69 340.25 Td (s fourth fiscal quarter in the case of an annual ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 113.00 328.25 Td (report\) that has materially af) Tj ET Q q 0 0 0 rg BT 226.66 328.25 Td (fected, or is reasonably likely to materially af) Tj ET Q q 0 0 0 rg BT 408.07 328.25 Td (fect, the registrant) Tj ET Q q 0 0 0 rg 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Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301.5 153.75 m 462.5 153.75 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 158.32 Td (Date:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 83.00 158.32 Td (February 21, 2019) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 278.00 158.32 Td (By:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 304.00 158.32 Td (/s/ Jef) Tj ET Q q 0 0 0 rg BT 327.52 158.32 Td (fery ) Tj ET Q q 0 0 0 rg BT 345.94 158.32 Td (W) Tj ET Q q 0 0 0 rg BT 354.83 158.32 Td (. ) Tj ET Q q 0 0 0 rg BT 359.18 158.32 Td (Y) Tj ET Q q 0 0 0 rg BT 365.72 158.32 Td (abuki) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 304.00 144.32 Td (Jef) Tj ET Q q 0 0 0 rg BT 315.57 144.32 Td (fery ) Tj ET Q q 0 0 0 rg BT 333.99 144.32 Td (W) Tj ET Q q 0 0 0 rg BT 342.88 144.32 Td (. ) Tj ET Q q 0 0 0 rg BT 347.23 144.32 Td (Y) Tj ET Q q 0 0 0 rg BT 353.77 144.32 Td (abuki) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 304.00 130.32 Td (President and Chief Executive Of) Tj ET Q q 0 0 0 rg BT 438.22 130.32 Td (ficer) Tj ET Q BT /F2 10.00 Tf ET endstream endobj 169 0 obj <> endobj 170 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.35 742.25 Td (EXHIBIT) Tj ET Q q 0 0 0 rg BT 541.96 742.25 Td ( 31.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 202.65 721.25 Td (CER) Tj ET Q q 0 0 0 rg BT 221.50 721.25 Td (TIFICA) Tj ET Q q 0 0 0 rg BT 252.61 721.25 Td (TION PURSUANT) Tj ET Q q 0 0 0 rg BT 331.60 721.25 Td ( ) Tj ET Q q 0 0 0 rg BT 333.92 721.25 Td (T) Tj ET Q q 0 0 0 rg BT 339.85 721.25 Td (O SECTION 302) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 213.15 709.25 Td (OF ) Tj ET Q q 0 0 0 rg BT 228.25 709.25 Td (THE SARBANES-OXLEY) Tj ET Q q 0 0 0 rg BT 339.27 709.25 Td ( ) Tj ET Q q 0 0 0 rg BT 341.22 709.25 Td (ACT) Tj ET Q q 0 0 0 rg BT 361.04 709.25 Td ( OF 2002) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 688.25 Td (I, Robert ) Tj ET Q q 0 0 0 rg BT 87.87 688.25 Td (W) Tj ET Q q 0 0 0 rg BT 96.39 688.25 Td (. Hau, certify that:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 667.25 Td (1. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 667.25 Td (I have reviewed this ) Tj ET Q q 0 0 0 rg BT 168.75 667.25 Td (Annual Report on Form 10-K of Fiserv) Tj ET Q q 0 0 0 rg BT 325.31 667.25 Td (, Inc.;) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td (2. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 646.25 Td (Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 634.25 Td (fact necessary to make the statements made, in light of the circumstances under which such statements were made, not ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 622.25 Td (misleading with respect to the period covered by this report;) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 601.25 Td (3. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 601.25 Td (Based on my knowledge, the financial statements, and other financial information included in this report, fairly ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 589.25 Td (present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 577.25 Td (for) Tj ET Q q 0 0 0 rg BT 97.26 577.25 Td (, the periods presented in this report;) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 556.25 Td (4. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 556.25 Td (The registrant) Tj ET Q q 0 0 0 rg BT 144.59 556.25 Td (s other certifying of) Tj ET Q q 0 0 0 rg BT 223.55 556.25 Td (ficer and I are responsible for establishing and maintaining disclosure controls and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 544.25 Td (procedures \(as defined in Exchange ) Tj ET Q q 0 0 0 rg BT 230.66 544.25 Td (Act Rules 13a-15\(e\) and 15d-15\(e\)\) and internal control over financial reporting ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 532.25 Td (\(as defined in Exchange ) Tj ET Q q 0 0 0 rg BT 184.30 532.25 Td (Act Rules 13a-15\(f\) and 15d-15\(f\)\) for the registrant and have:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 511.25 Td (a. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 511.25 Td (Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 499.25 Td (designed under our supervision, to ensure that material information relating to the registrant, including its ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 487.25 Td (consolidated subsidiaries, is made known to us by others within those entities, particularly during the period ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 475.25 Td (in which this report is being prepared;) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 454.25 Td (b. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 454.25 Td (Designed such internal control over financial reporting, or caused such internal control over financial ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 442.25 Td (reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 430.25 Td (financial reporting and the preparation of financial statements for external purposes in accordance with ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 418.25 Td (generally accepted accounting principles;) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 397.25 Td (c. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 397.25 Td (Evaluated the ef) Tj ET Q q 0 0 0 rg BT 186.79 397.25 Td (fectiveness of the registrant) Tj ET Q q 0 0 0 rg BT 299.80 397.25 Td (s disclosure controls and procedures and presented in this report ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 385.25 Td (our conclusions about the ef) Tj ET Q q 0 0 0 rg BT 234.57 385.25 Td (fectiveness of the disclosure controls and procedures, as of the end of the period ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 373.25 Td (covered by this report based on such evaluation; and) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 352.25 Td (d. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 352.25 Td (Disclosed in this report any change in the registrant) Tj ET Q q 0 0 0 rg BT 330.83 352.25 Td (s internal control over financial reporting that occurred ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 340.25 Td (during the registrant) Tj ET Q q 0 0 0 rg BT 205.87 340.25 Td (s most recent fiscal quarter \(the registrant) Tj ET Q q 0 0 0 rg BT 374.69 340.25 Td (s fourth fiscal quarter in the case of an annual ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 328.25 Td (report\) that has materially af) Tj ET Q q 0 0 0 rg BT 235.66 328.25 Td (fected, or is reasonably likely to materially af) Tj ET Q q 0 0 0 rg BT 417.07 328.25 Td (fect, the registrant) Tj ET Q q 0 0 0 rg BT 492.32 328.25 Td (s internal control ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 316.25 Td (over financial reporting; and) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 295.25 Td (5. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 295.25 Td (The registrant) Tj ET Q q 0 0 0 rg BT 144.59 295.25 Td (s other certifying of) Tj ET Q q 0 0 0 rg BT 223.55 295.25 Td (ficer and I have disclosed, based on our most recent evaluation of internal control ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 283.25 Td (over financial reporting, to the registrant) Tj ET Q q 0 0 0 rg BT 250.94 283.25 Td (s auditors and the audit committee of the registrant) Tj ET Q q 0 0 0 rg BT 457.00 283.25 Td (s board of directors \(or ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 271.25 Td (persons performing the equivalent functions\):) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 250.25 Td (a. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 250.25 Td (All significant deficiencies and material weaknesses in the design or operation of internal control over ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 238.25 Td (financial reporting which are reasonably likely to adversely af) Tj ET Q q 0 0 0 rg BT 370.05 238.25 Td (fect the registrant) Tj ET Q q 0 0 0 rg BT 442.80 238.25 Td (s ability to record, process, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 226.25 Td (summarize and report financial information; and) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 205.25 Td (b. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 205.25 Td (Any fraud, whether or not material, that involves management or other employees who have a significant role ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 193.25 Td (in the registrant) Tj ET Q q 0 0 0 rg BT 187.54 193.25 Td (s internal control over financial reporting.) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301.5 153.75 m 478.5 153.75 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 158.32 Td (Date:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 83.00 158.32 Td (February 21, 2019) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 278.00 158.32 Td (By:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 304.00 158.32 Td (/s/ Robert ) Tj ET Q q 0 0 0 rg BT 345.57 158.32 Td (W) Tj ET Q q 0 0 0 rg BT 354.46 158.32 Td (. Hau) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 304.00 144.32 Td (Robert ) Tj ET Q q 0 0 0 rg BT 333.63 144.32 Td (W) Tj ET Q q 0 0 0 rg BT 342.52 144.32 Td (. Hau) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 304.00 129.42 Td (Chief Financial Of) Tj ET Q q 0 0 0 rg BT 378.80 129.42 Td (ficer and ) Tj ET Q q 0 0 0 rg BT 416.37 129.42 Td (T) Tj ET Q q 0 0 0 rg BT 422.13 129.42 Td (reasurer) Tj ET Q BT /F2 10.00 Tf ET endstream endobj 171 0 obj <> endobj 172 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.35 742.25 Td (EXHIBIT) Tj ET Q q 0 0 0 rg BT 541.96 742.25 Td ( 32.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 233.75 730.25 Td (CER) Tj ET Q q 0 0 0 rg BT 252.60 730.25 Td (TIFICA) Tj ET Q q 0 0 0 rg BT 283.71 730.25 Td (TION PURSUANT) Tj ET Q q 0 0 0 rg BT 362.70 730.25 Td ( ) Tj ET Q q 0 0 0 rg BT 365.02 730.25 Td (T) Tj ET Q q 0 0 0 rg BT 370.95 730.25 Td (O ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 252.65 718.25 Td (18 U.S.C. SECTION 1350) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 240.00 706.25 Td (AS ) Tj ET Q q 0 0 0 rg BT 254.73 706.25 Td (ADOPTED PURSUANT) Tj ET Q q 0 0 0 rg BT 356.50 706.25 Td ( ) Tj ET Q q 0 0 0 rg BT 358.82 706.25 Td (T) Tj ET Q q 0 0 0 rg BT 364.75 706.25 Td (O) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 182.05 694.25 Td (SECTION 906 OF ) Tj ET Q q 0 0 0 rg BT 259.37 694.25 Td (THE SARBANES-OXLEY) Tj ET Q q 0 0 0 rg BT 370.39 694.25 Td ( ) Tj ET Q q 0 0 0 rg BT 372.34 694.25 Td (ACT) Tj ET Q q 0 0 0 rg BT 392.16 694.25 Td ( OF 2002) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 673.25 Td (In connection with the ) Tj ET Q q 0 0 0 rg BT 141.65 673.25 Td (Annual Report on Form 10-K of Fiserv) Tj ET Q q 0 0 0 rg BT 298.20 673.25 Td (, Inc. \(the Company\) for the year ended December31, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 526.16 673.25 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 546.16 673.25 Td ( as ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 661.25 Td (filed with the Securities and Exchange Commission on the date hereof \(theReport\), Jef) Tj ET Q q 0 0 0 rg BT 408.04 661.25 Td (fery ) Tj ET Q q 0 0 0 rg BT 426.46 661.25 Td (W) Tj ET Q q 0 0 0 rg BT 434.98 661.25 Td (. ) Tj ET Q q 0 0 0 rg BT 439.61 661.25 Td (Y) Tj ET Q q 0 0 0 rg BT 445.83 661.25 Td (abuki, as President and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 649.25 Td (Chief Executive Of) Tj ET Q q 0 0 0 rg BT 127.57 649.25 Td (ficer of the Company) Tj ET Q q 0 0 0 rg BT 212.17 649.25 Td (, and Robert ) Tj ET Q q 0 0 0 rg BT 263.64 649.25 Td (W) Tj ET Q q 0 0 0 rg BT 272.16 649.25 Td (. Hau, as Chief Financial Of) Tj ET Q q 0 0 0 rg BT 384.45 649.25 Td (ficer and ) Tj ET Q q 0 0 0 rg BT 422.03 649.25 Td (T) Tj ET Q q 0 0 0 rg BT 427.78 649.25 Td (reasurer of the Company) Tj ET Q q 0 0 0 rg BT 526.26 649.25 Td (, each ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 637.25 Td (hereby certify) Tj ET Q q 0 0 0 rg BT 105.15 637.25 Td (, pursuant to 18 U.S.C. 1350, as adopted pursuant to 906 of the Sarbanes-Oxley ) Tj ET Q q 0 0 0 rg BT 440.39 637.25 Td (Act of 2002, that to the best ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 625.25 Td (of his knowledge:) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 614.45 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 602.45 Td (\(1\) ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 104.00 602.45 Td (The Report fully complies with the requirements of Section13\(a\) of the Securities Exchange ) Tj ET Q q 0 0 0 rg BT 477.23 602.45 Td (Act of 1934; and) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 578.45 Td (\(2\) ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 104.00 578.45 Td (The information contained in the Report fairly presents, in all material respects, the financial condition and results ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 104.00 566.45 Td (of operations of the Company) Tj ET Q q 0 0 0 rg BT 222.77 566.45 Td (.) 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'k(^=`7í"&uDUq?ŽCI?\Ogҋz?ط4:|TA㛯amt_g_7ݻc^1x+?nsD?K>̢3?KnsD &O^q =yMτ W?ios4M$!舫:s $?o}G@*]MVXjZE̊E* FAҼsOVP.| *׿zeρ?#ZWQ@3 'o^?>Ѝk=^Ex2{Ǩ\B7U{5|7}:Mƕ#.KetB̌p`q]MPEPEPEPEPEP endstream endobj 197 0 obj <> stream JFIFC  !"$"$CT" }!1AQa"q2#BR$3br %&'()*456789:CDEFGHIJSTUVWXYZcdefghijstuvwxyz w!1AQaq"2B #3Rbr $4%&'()*56789:CDEFGHIJSTUVWXYZcdefghijstuvwxyz ?.(((( *m{Mu?>ϳ W=:Wf7hfu lrLXpvl֊+7VE'$/@AY?_xBҸ x9#uZ᛾ Й;;^Ex3MRbJrIz$](7vLʝjc?./ +_c 2K5&>-/+{$W2:+_c 2>W8A̎("( endstream endobj 198 0 obj <> stream JFIFC  !"$"$CTJ" }!1AQa"q2#BR$3br %&'()*456789:CDEFGHIJSTUVWXYZcdefghijstuvwxyz w!1AQaq"2B #3Rbr $4%&'()*56789:CDEFGHIJSTUVWXYZcdefghijstuvwxyz ?^l4-[g=m%ԻRPI}+ɿ>S{k$?ǟ-M%~s~ o؞F%>ۻ6ޘϙֳj_<?>Sk?(M7ڼg??@Ըoj_<?>S{k?+?h/ٓ?Mqwٿ|ۼ鎘|Bm&Ungm?öMERx`r9\o'[DE_QH?[?J %Tv(<zI_9.EPEP_=@ߛZ &O@?M$!舫:s $?o}G@_Ǐ!<oPi+'?=S޾$?ǟ-M%|aػ?[Q@Q@|~o 'k(^=`7í"&uDUq?ŽCI?\Ogҋz?ط4:|TA㛯amt_g_7ݻc^1x+?nsD?K>̢3?KnsD &O^q =yMτ W?ios4M$!舫:s $?o}G@*]MVXjZE̊E* FAҼsOVP.| *׿zeρ?#ZWQ@3 'o^?>Ѝk=^Ex2{Ǩ\B7U{5|7}:Mƕ#.KetB̌p`q]MPEPEPEPEPEP endstream endobj 199 0 obj <> stream JFIFC  !"$"$CTJ" }!1AQa"q2#BR$3br %&'()*456789:CDEFGHIJSTUVWXYZcdefghijstuvwxyz w!1AQaq"2B #3Rbr $4%&'()*56789:CDEFGHIJSTUVWXYZcdefghijstuvwxyz ?Qd]w]sۥ} I+3G5' oxb9D?;jl$~=W7fjO_< Z7 G? _CMW7f?dž1ņӬ2O<@G䞀I8򆥧DZ,o吅8=M~E?%x-ỗ_ M1L fbN4r:`d(S'¯@f{95 Ҹ{>:*' ÿ W:@ ǂͿMSO(l;GD}[_)6V / xW_)'k xW_)'hO[M'r|@nEBIbڿ( s?) > ʺedn1,}oW~nzZ^^ yɹiEqM'~(蕯k/&Y?JմD*E5|#q`; }D*E5~e~??RxOalﱒk>76Θր?Tg෈|_3z߃4"6W0K#H$0$W.>z?[?g 8]n)C+ ܑ/c+k?nsD?K>̯?Ѣ.>zЍk=^Ex2{Ǩ\B7U{5?˟FʵsOVP.| *׿zeρ?#ZWQ@o^ q]i NimGb8((((( endstream endobj 200 0 obj <> stream JFIFC  !"$"$CTJ" }!1AQa"q2#BR$3br %&'()*456789:CDEFGHIJSTUVWXYZcdefghijstuvwxyz w!1AQaq"2B #3Rbr $4%&'()*56789:CDEFGHIJSTUVWXYZcdefghijstuvwxyz ?^l4-[g=m%ԻRPI}+ɿ>S{k$?ǟ-M%~s~_ \`آ :Kߴ}l۽139nԟx?)4R| ׎f.CӿᆭA>S{hCM7 G? _CMW7f/#iiGbxrIolɨ]ii6Tl!X$#6˓8Л_ox<9'IcTկ # tU"l p{/ط4KbQo_gx&0ss?]J-<-$G4 uPyc4k\[J@wIχur+-:#,HxP?=@zxm!$/$TP2I'9k7P Z3JoH: 2Ba_Fl|1߯_ٟGߌZ M[oC$;G+(3I 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> ʺedn1,}oW~nzZ^^ yɹiEqM'~(蕯k/&Y?JմD*E5|#q`; }D*E5~e~??RxOalﱒk>76Θր?Tg෈|_3z߃4"6W0K#H$0$W.>z?[?g 8]n)C+ ܑ/c+k?nsD?K>̯?Ѣ.>zЍk=^Ex2{Ǩ\B7U{5?˟FʵsOVP.| *׿zeρ?#ZWQ@o^ q]i NimGb8((((( endstream endobj 203 0 obj <> stream JFIFC  !"$"$CTJ" }!1AQa"q2#BR$3br %&'()*456789:CDEFGHIJSTUVWXYZcdefghijstuvwxyz w!1AQaq"2B #3Rbr $4%&'()*56789:CDEFGHIJSTUVWXYZcdefghijstuvwxyz ?Qd]w]sۥ} I+3G5' ox0UETԟx?)4R| ׌ QtQ 1UG(@ I+3G5' ox0UEpeUna Cõ݌OuIߊ?,%"yz"yz?袊(+?7=?hy?Ѣ8&Y?JյIߊ?,%"yz"yz?袊(+?7=?hy?Ѣ8&Y?JյIߊ?,%"yz"2g<{'wivgLw@TWps =}E|g =psٕ߷_֟4Ws%\ǟڈSsuA> stream JFIFC  !"$"$CT" }!1AQa"q2#BR$3br %&'()*456789:CDEFGHIJSTUVWXYZcdefghijstuvwxyz w!1AQaq"2B #3Rbr $4%&'()*56789:CDEFGHIJSTUVWXYZcdefghijstuvwxyz ?.(((( *m{Mu?>ϳ W=:Wf7hfu lrLXpvl֊+7VE'$/@AY?_xBҸ x9#uZ᛾ Й;;^Ex3MRbJrIz$](7vLʝjc?./ +_c 2K5&>-/+{$W2:+_c 2>W8A̎("( endstream endobj 205 0 obj <> stream JFIFC  !"$"$CTJ" }!1AQa"q2#BR$3br %&'()*456789:CDEFGHIJSTUVWXYZcdefghijstuvwxyz w!1AQaq"2B #3Rbr $4%&'()*56789:CDEFGHIJSTUVWXYZcdefghijstuvwxyz ?Qd]w]sۥ} I+3G5' oxb9D?;jl$~=W7fjO_< Z7 G? _CMW7f?dž1ņӬ2O<@G䞀I8򆥧DZ,o吅8=M~E?%x-ỗ_ M1L fbN4r:`d(S'¯@f{95 Ҹ{>:*' ÿ W:@ ǂͿMSO(l;GD}[_)6V / xW_)'k xW_)'hO[M'r|@nEBIbڿ( s?) > ʺedn1,}oW~nzZ^^ yɹiEqM'~(蕯k/&Y?JմD*E5|#q`; }D*E5~e~??RxOalﱒk>76Θր?Tg෈|_3z߃4"6W0K#H$0$W.>z?[?g 8]n)C+ ܑ/c+k?nsD?K>̯?Ѣ.>zЍk=^Ex2{Ǩ\B7U{5?˟FʵsOVP.| *׿zeρ?#ZWQ@o^ q]i NimGb8((((( endstream endobj 206 0 obj <> stream JFIFC  !"$"$CQJ" }!1AQa"q2#BR$3br %&'()*456789:CDEFGHIJSTUVWXYZcdefghijstuvwxyz w!1AQaq"2B #3Rbr $4%&'()*56789:CDEFGHIJSTUVWXYZcdefghijstuvwxyz ?ǚ"׼M_dig6yTl7`gknsD鏏CybޡWo<) +OOF!DbU Ic8=s.>z?i2*ӿЉ nx79\?}s%^ 7HauiᙾЇ/nsD?K>I]S:ঝ.r$O n|j^ >$&%MG$qn$Oas>x ∵}.< 3rrn]*21ppCv\o'[DE_QH?[?J %Tv(<zI_9.Ex?=Ik.ue&x@S'ں/gRjy+zgrpyp&? ?5َ[]MzԷa AvuFIcQGvb@"3#-RfF)m&he]}&'4&ss1k#捳#>#)^oމ!Rѷwr8i=yU⽇F4]&kj:e4q6Ǭz?5_tDOڵ9#mbĄg~[ikI (aQ@vPM/moa{oO?ICaWtx&0ss?]J-CybޡWß.W3Pݭo6bfV+TSgsgo֠bළinV t-d` G/3G5_ ~|5>}4_ i0ALfY~G+j?=Y?:Uehʾzɿ7_z?*5@?:|Oo'6|ƭICaWu{I?:"* ( ( ( ( ( ( ( ( ( (? endstream endobj 207 0 obj <> stream JFIFC  !"$"$CTJ" 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