last three years, we have acquired six commerce-focused technology
start-ups: Clover, Pest, Gyfi, SpreeCommerce, EasyWay Ordering, and Transaction Wireless: we now employ nearly 200 employees in
Silicon Valley ... card issuers. Seeing the growing interest in the visualization of payment
cards, we acquired Gyfi and Transaction Wireless, significantly increasing ow capabilities in the issuance and distribution of virtual cards