EFTA Document EFTA01382671

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 11111 A. ACOUIEDNG SANK V First Data. ACOUREPi PROCESSOR FrstData ce OUSNESS PAYMENT NETWORKS 413 First Data, PROVIDING SOLUTIONS ACROSS T