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who work in larger offices with people in cubicles are hav- 4. Just keep working. All we can do is go out and help our
ing larger issues. clients. One thing is that from state to state, city to city, the
situation is quite different. So everyone needs to do what
I think many companies will re-think office space when they think is the right thing to help everyone be safe and
this is over and have a combo of people working in the stay healthy.
office, people at home, rotating schedule in the office, etc.
I'd also like to add that there is a ton of fraud going on
2. We have kept in touch with clients, offered them virtual right now and also a lot of merchants trying to get set up
terminals, talked to them about ecommerce, how to use selling PPE items. We need to be careful about who we
the different wallets: Apple Pay, Google Pay, Samsung Pay. are giving accounts to and what are they selling. Many
Some were surprised their machine already did that. We calls are coming from people who need an account to do
saw a small uptick in wallet usage, but that has tailed off. I a few "deals" or companies selling sanitizer. It's a good
have seen some businesses that have signs that they won't thing people are making things in the USA, but they get
take cash, which I think is silly. We have ATMs, and many annoyed when we ask them for samples and labels. Cur-
of the locations were closed, but we see plenty of activity rently, the FTC has sent out warnings to 300-plus compa-
at the ATMs. People still like cash. nies about advertising of these products, and the FDA has
warnings on masks, sanitizers, etc.
3. We have donated to some food banks, and we will con-
tinue our community involvement. We also have a part- Another thing that has been occurring over the last couple
ner company that offers printing, and we have informed of months while COVID-19 has been going on is that a few
clients about all types of social distancing items that are processors received large fines. It's crazy that someone
available that are pre-printed, not expensive and can be gets fined $40 million, and that does not make the news.
delivered in just a few days. There are still quite a few Another ISO had a fine so large they could not pay it, and
places that are not open. Some have opened and then I am guessing the company is out of business.
closed for different reasons.

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