What changed in this filing

Our office leases generally provide for initial terms ranging from two to twelve years.

Our processing centers for the EFT Processing Segment are located in Martinsreid, Germany;

Budapest, Hungary;

Mumbai, India;

Beijing, China;

and Karachi, Pakistan .

Processing centers we operate for the epay Segment are located in Billericay, U.K.;

Martinsried, Germany;

Hamburg, Germany;

Milan, Italy;

Buena Park, California, USA;

and Kansas City, Missouri, USA .

Our processing centers for the Money Transfer Segment are located in Buena Park, California, USA;

Bracknell, U.K.;

Auckland, New Zealand;

Kansas City, Missouri, USA;

and Kuala Lumpur, Malaysia .

Our processing centers for the EFT Processing Segment are located in Germany, Hungary, India, China, and Pakistan.

Processing centers we operate for the epay Segment are located in the U.K., Germany, Italy, and the U.S.

Our processing centers for the Money Transfer Segment are located in the U.S., the U.K., New Zealand, and Malaysia.

All of our processing centers are leased and have off-site real time backup processing centers that are capable of providing full or partial processing services in the event of failure of the primary processing centers.

What changed 10-K

Item 2. Properties