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        new signs going up everywhere belonging to new busi-    partners are succeeding. We do our best to keep morale
        nesses taking their place. When speaking to merchants,   up by doing more company-wide lunches, awards/recog-
        let them know about the changes in programs, where they   nitions,  and getting  people  to  interact more,  especially
        can offset processing fees by charging a surcharge to the   across departments with individuals they wouldn't nor-
        end customer. Spend some time learning the functionality   mally engage with on a daily basis. Richard Branson once
        of a system like Clover, and sell the system based on the   famously said, "Take care of your employees, and they'll
        value-added applications in the Clover app store.       take care of your business." This couldn't be more true.

        Learn as much as you can about mobile products and      Our other area of focus has been making sure we can keep
        wireless products. They are here to stay and will continue   up with the massive digital transformation that is under-
        to grow. Learn about gateways and virtual terminals, so   way. We were fortunate to have a lot of experience in card-
        you can explain how a retail merchant or a restaurant can   absent transactions and higher risk merchants already, so
        expand their footprint or save tons of money with their   we were ready when we started to see this shift towards
        own online ordering system.                             ecommerce and online payments.

        Maurice Griefer                                         We launched our new proprietary gateway during the pan-
        Maverick Payments                                       demic last year, which has helped merchants significantly
                                                                as they move away from in-person sales. We've built great
        1. The last 18 months or so have been quite the ride to say   chargeback management and fraud analysis tools as well,
        the least. We've actually seen a lot of growth since the pan-  which has been especially valuable for merchants newer
        demic started, as many payments companies have. So we   to ecommerce and MO/TO payments.
        are very grateful for that. The most effective things we've
        done were to focus on our team and continue to improve   2. The pandemic has really pushed society further into
        our digital payments technologies.                      the digital world, and the way we pay for goods and ser-
        We've about quadrupled our staff here at Maverick since   vices has changed too. I have read several reports that the
        the pandemic started, and our team has really stepped up   pandemic has accelerated digital technologies by several
        during this stressful time to make sure our merchants and
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