- T21 -

The global operating system todrive more commerce The global operating system to drive more commerce Optimize your businessfor revenue growth Optimize your business for revenue growth The all in one system to helpyour business thrive The all in one system to help your business thrive Software Providers Independent Software Vendor Partners Revenue Share Alliance Partners Community Financial Institutions Partners Independent Sales Organizations Partners Agent Partners Carat The Global Commerce Platform from Fiserv Carat orchestrates payments and experiences for the worlds largest businesses. With Carat leading brands unify their commerce optimize transactions and imagine and realize new ways to engage with customers. Optimized Efficiencies for MidSized Businesses Take control of commerce and elevate the customer experience with scalable technology to help grow your midsized business. Dedicated to Making Small Businesses Thrive Cloversimplifiesthe lives of small business owners with its allinone pointofsalePOS solution thatstailoredto meet every business unique merchant services needs.