EFTA01382671.pdf

S-1/A Table of Contents The processing of a traditional card transaction includes two sub-proccims: (I) capture and authorization and (2) clearing and settlement. Below is an illustrative diagram of the flow of a typical card transaction and an explanation of each step in the process. DIAGRAM OF A TRADITIONAL PAYMENT PROCESSING TRANSACTION FrstData Z A 11111 A. ce lu ll ACOUIEDNG SANK CARD ISSUING BANK PAYMENT NETWORKS • 413 V First Data. FirstData. First Data, ACOUREPi PROVIDING SOLUTIONS ACROSS THE CARO ISSUER PROCESSOR PAYMENT PROCESSING VALUE CHAIN PROCESSOR • CAPILiAt A/C 4:0THONI2ANOK • CLAAIANG AND St t llAtAtNt fee ©0 0 Crpcatitheo4 Cara PP:OWIlt 0 0 0 4 OUSNESS 6040%.W SWOCYS COMSUMER POS FistData. Capture and Authorization In the capture and authorization process, the business obtains approval for payment from the card issuing hank. This process includes the following steps: 1. Once the consumer is ready to make a purchase. he or she presents their card for payment; 104 huplAvww.iw.gov/Archives/edgar/data(883980/000119312515334479M31022dsla.htmI10/14/2015 9:06:38 AMI CONFIDENTIAL - PURSUANT TO FED. R. CRIM. P. 6(e) DB-SDNY-0082123 CONFIDENTIAL SDNY_GM_00228307 EFTA01382671