Lisa Ellis

“You highlighted Carat was up 6% as reported, 14% excluding the one client roll-off. Can you give a little additional color on how we should think about the scale of Carat within the Merchant business, either on revenue or a volume basis?”

“I have another follow-up question on the growth that you're seeing in the Millennial and Gen Z that you called out on Slide 5. Can you just take a step back and comment a bit on what features and reward specifically or like which card profiles that you're seeing are particularly attracting those consumers?”

“You’ve been highlighting the strength in retention throughout the pandemic. And just taking a peak at the supplementals, it looks like you’re up 2.1 million in cards in force on 2.4 million in cards acquired.”

“I had a specific question on the use of the digital sales channels for Clover. If I recall prior to the merger with Fiserv, this was an area First Data had invested really heavily in building online sales channels so a merchant could apply, get approved instantly and get their Clover directly.”