<SEC-DOCUMENT>0001193125-24-042094.txt : 20240222
<SEC-HEADER>0001193125-24-042094.hdr.sgml : 20240222
<ACCEPTANCE-DATETIME>20240222072731
ACCESSION NUMBER:		0001193125-24-042094
CONFORMED SUBMISSION TYPE:	S-3ASR
PUBLIC DOCUMENT COUNT:		9
FILED AS OF DATE:		20240222
DATE AS OF CHANGE:		20240222
EFFECTIVENESS DATE:		20240222

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FISERV INC
		CENTRAL INDEX KEY:			0000798354
		STANDARD INDUSTRIAL CLASSIFICATION:	SERVICES-BUSINESS SERVICES, NEC [7389]
		ORGANIZATION NAME:           	07 Trade & Services
		IRS NUMBER:				391506125
		STATE OF INCORPORATION:			WI
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		S-3ASR
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-277241
		FILM NUMBER:		24662297

	BUSINESS ADDRESS:	
		STREET 1:		255 FISERV DR
		STREET 2:		PO BOX 979
		CITY:			BROOKFIELD
		STATE:			WI
		ZIP:			53045
		BUSINESS PHONE:		4148795000

	MAIL ADDRESS:	
		STREET 1:		255 FISERV DRIVE
		CITY:			BROOKFIELD
		STATE:			WI
		ZIP:			53045
</SEC-HEADER>
<DOCUMENT>
<TYPE>S-3ASR
<SEQUENCE>1
<FILENAME>d736421ds3asr.htm
<DESCRIPTION>S-3ASR
<TEXT>
<HTML><HEAD>
<TITLE>S-3ASR</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE" STYLE="line-height:Normal">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><B>As filed with the Securities and Exchange Commission on February&nbsp;22, 2024 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="right"><B>Registration <FONT STYLE="white-space:nowrap">No.&nbsp;333-&#8195;&#8195;&#8195;</FONT> </B></P>
<P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:4pt; margin-bottom:0pt; font-size:16pt; font-family:Times New Roman" ALIGN="center"><B>UNITED STATES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:16pt; font-family:Times New Roman" ALIGN="center"><B>SECURITIES AND EXCHANGE COMMISSION <U> </U></B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:11pt; font-family:Times New Roman" ALIGN="center"><B>Washington, D.C. 20549<U> </U></B></P> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:3pt; margin-bottom:0pt; font-size:16pt; font-family:Times New Roman" ALIGN="center"><B><U></U>FORM <FONT
STYLE="white-space:nowrap">S-3</FONT> </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:16pt; font-family:Times New Roman" ALIGN="center"><B>REGISTRATION STATEMENT </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B><I>UNDER </I></B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B><I>THE
SECURITIES ACT OF 1933 </I></B></P> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:3pt; margin-bottom:0pt; font-size:22pt; font-family:Times New Roman" ALIGN="center"><B>FISERV, INC. </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><B>(Exact name
of registrant as specified in its charter) </B></P> <P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>

<TD WIDTH="50%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top" ALIGN="center"><B>Wisconsin</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B><FONT STYLE="white-space:nowrap">39-1506125</FONT></B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(State or other jurisdiction of</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>incorporation or organization)</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(I.R.S. Employer</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Identification No.)</B></P></TD></TR>
</TABLE> <P STYLE="margin-top:3pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><B>255 Fiserv Drive </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><B>Brookfield, Wisconsin 53045 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><B>(262) <FONT STYLE="white-space:nowrap">879-5000</FONT> </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(Address, including zip code, and telephone number, including area code, of registrant&#146;s principal executive offices) </B></P>
<P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:3pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><B>Robert W. Hau </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><B>Chief
Financial Officer </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><B>Brookfield, Wisconsin 53045 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><B>(262) <FONT STYLE="white-space:nowrap">879-5000</FONT> </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(Name, address, including zip code, and telephone number, including area code, of agent for service) </B></P>
<P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:3pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><B><I>with a copy to: </I></B></P>
<P STYLE="margin-top:3pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><B>John K. Wilson </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><B>Foley&nbsp;&amp; Lardner LLP </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><B>777 East Wisconsin Avenue </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><B>Milwaukee, Wisconsin 53202-5306 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><B>(414) <FONT STYLE="white-space:nowrap">271-2400</FONT> </B></P> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:3pt; margin-bottom:0pt; text-indent:4%; font-size:9pt; font-family:Times New Roman"><B>Approximate
date of commencement of proposed sale to the public:</B> From time to time after the effective date of this registration statement. </P> <P STYLE="margin-top:3pt; margin-bottom:0pt; text-indent:4%; font-size:9pt; font-family:Times New Roman">If the
only securities being registered on this Form are being offered pursuant to dividend or interest reinvestment plans, please check the following box:&#8194;&#9744; </P>
<P STYLE="margin-top:3pt; margin-bottom:0pt; text-indent:4%; font-size:9pt; font-family:Times New Roman">If any of the securities being registered on this Form are to be offered on a delayed or continuous basis pursuant to Rule 415 under the
Securities Act of 1933, other than securities offered only in connection with dividend or interest reinvestment plans, check the following box:&#8194;&#9746; </P>
<P STYLE="margin-top:3pt; margin-bottom:0pt; text-indent:4%; font-size:9pt; font-family:Times New Roman">If this Form is filed to register additional securities for an offering pursuant to Rule 462(b) under the Securities Act, please check the
following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering.&#8194;&#9744; </P>
<P STYLE="margin-top:3pt; margin-bottom:0pt; text-indent:4%; font-size:9pt; font-family:Times New Roman">If this Form is a post-effective amendment filed pursuant to Rule 462(c) under the Securities Act, check the following box and list the
Securities Act registration statement number of the earlier effective registration statement for the same offering.&#8194;&#9744; </P> <P STYLE="margin-top:3pt; margin-bottom:0pt; text-indent:4%; font-size:9pt; font-family:Times New Roman">If this
Form is a registration statement pursuant to General Instruction I.D. or a post-effective amendment thereto that shall become effective upon filing with the Commission pursuant to Rule 462(e) under the Securities Act, check the following
box.&#8194;&#9746; </P> <P STYLE="margin-top:3pt; margin-bottom:0pt; text-indent:4%; font-size:9pt; font-family:Times New Roman">If this Form is a post-effective amendment to a registration statement filed pursuant to General Instruction I.D. filed
to register additional securities or additional classes of securities pursuant to Rule 413(b) under the Securities Act, check the following box.&#8194;&#9744; </P>
<P STYLE="margin-top:3pt; margin-bottom:0pt; text-indent:4%; font-size:9pt; font-family:Times New Roman">Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a
<FONT STYLE="white-space:nowrap">non-accelerated</FONT> filer, or a smaller reporting company. See the definitions of &#147;large accelerated filer,&#148; &#147;accelerated filer,&#148; &#147;smaller reporting company&#148; and &#147;emerging growth
company&#148; in Rule <FONT STYLE="white-space:nowrap">12b-2</FONT> of the Exchange Act. </P> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:9pt" ALIGN="center">


<TR>

<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="36%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="36%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="22%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="2%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Large accelerated filer</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&#9746;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="white-space:nowrap">Non-accelerated</FONT> filer</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&#9744;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="4"></TD>
<TD HEIGHT="4" COLSPAN="2"></TD>
<TD HEIGHT="4" COLSPAN="2"></TD>
<TD HEIGHT="4" COLSPAN="2"></TD>
<TD HEIGHT="4" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Accelerated filer</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&#9744;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Smaller&nbsp;reporting&nbsp;company</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&#9744;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="4"></TD>
<TD HEIGHT="4" COLSPAN="2"></TD>
<TD HEIGHT="4" COLSPAN="2"></TD>
<TD HEIGHT="4" COLSPAN="2"></TD>
<TD HEIGHT="4" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Emerging growth company</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&#9744;</TD></TR>
</TABLE> <P STYLE="margin-top:3pt; margin-bottom:0pt; text-indent:4%; font-size:9pt; font-family:Times New Roman">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended
transition period for complying with any new or revised financial accounting standards provided pursuant to Section&nbsp;7(a)(2)(B) of the Securities Act. &#8194;&#9744; </P> <P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Prospectus </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="center">


<IMG SRC="g736421g23w93.jpg" ALT="LOGO">
 </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:14pt; font-family:Times New Roman" ALIGN="center"><B>Debt Securities, Common Stock, Preferred Stock, Depositary Shares, Warrants, Purchase Contracts and Units </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We may offer and sell from time to time securities in one or more offerings in amounts, at prices and on terms that we will determine at the
time of the offering. This prospectus provides you with a general description of the securities we may offer. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We may offer and sell the
following securities: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">senior debt securities, which may be convertible into our common stock or other securities or property;
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">common stock; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">preferred stock, which may be convertible into our common stock or other securities; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">depositary shares; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">warrants to purchase common stock, preferred stock, depositary shares or debt securities; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">contracts for the purchase or sale of our debt securities or equity securities or securities of third parties
including any of our affiliates, a basket of such securities, an index or indices of such securities or any combination of the above; and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">units consisting of one or more debt securities or other securities. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Each time securities are sold using this prospectus, we will provide a supplement to this prospectus containing specific information about the
offering and the terms of the securities being sold, including the offering price. The supplement may also add, update or change information contained in this prospectus. You should read this prospectus and any prospectus supplement applicable to
the specific issue of securities carefully before you invest. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We may offer and sell these securities to or through underwriters, dealers
or agents, or directly to investors, on a continued or a delayed basis. Each applicable prospectus supplement to this prospectus will provide the specific terms of the plan of distribution. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In addition, selling shareholders to be named in a prospectus supplement may offer and sell from time to time shares of our common stock in
such amounts as set forth in a prospectus supplement. Unless otherwise set forth in a prospectus supplement, we will not receive any proceeds from the sale of shares of our common stock by any selling shareholders. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Our common stock is traded on the New York Stock Exchange under the symbol &#147;FI.&#148; </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:12pt; font-family:Times New Roman"><B>Investment in our securities involves risks. See &#147;<A HREF="#tx736421_3">Risk Factors</A>&#148; in our most recent Annual Report on
Form <FONT STYLE="white-space:nowrap">10-K</FONT> and subsequently filed Quarterly Reports on Form <FONT STYLE="white-space:nowrap">10-Q</FONT> and in any applicable prospectus supplement for a discussion of certain factors which should be
considered in an investment of the securities which may be offered hereby. </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Neither the Securities and Exchange Commission nor any
state securities commission has approved or disapproved of these securities or determined if this prospectus is truthful or complete. Any representation to the contrary is a criminal offense. </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>The date of this prospectus is February&nbsp;22, 2024. </B></P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="toc"></A>TABLE OF CONTENTS </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="95%"></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Page</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx736421_1">About this Prospectus</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">ii</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx736421_2">Forward-Looking Statements</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx736421_3">Risk Factors</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx736421_4">Fiserv, Inc.</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx736421_5">Use of Proceeds</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx736421_6">Description of Debt Securities</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx736421_7">Description of Capital Stock</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx736421_8">Description of Depositary Shares</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx736421_9">Description of Warrants</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx736421_10">Description of Purchase Contracts</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">13</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx736421_11">Description of Units</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx736421_12">Selling Shareholders</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx736421_13">Plan of Distribution</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx736421_14">Where You Can Find More Information</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx736421_15">Legal Matters</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx736421_16">Experts</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">i </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx736421_1"></A>ABOUT THIS PROSPECTUS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Unless the context otherwise requires, in this prospectus, &#147;we,&#148; &#147;us,&#148; &#147;our&#148; or &#147;ours&#148; refer to
Fiserv, Inc. and its consolidated subsidiaries. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This prospectus is part of a registration statement that we filed with the Securities and
Exchange Commission, or the SEC, utilizing a &#147;shelf&#148; registration process. Under this shelf process, we may, from time to time, sell the securities or combinations of the securities described in this prospectus, and one or more of our
shareholders may sell our common stock, in one or more offerings. This prospectus provides you with a general description of those securities. Each time we offer securities, we will provide a prospectus supplement that will contain specific
information about the terms of that offering. The prospectus supplement may also add, update or change information contained in this prospectus. If there is any inconsistency between the information in this prospectus and any prospectus supplement,
you should rely on the information in the prospectus supplement. You should read both this prospectus and any prospectus supplement together with the additional information described under the heading &#147;Where You Can Find More Information.&#148;
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">You should rely only on the information contained or incorporated by reference in this prospectus, in any prospectus supplement and in
any free writing prospectus we file with the SEC. &#147;Incorporated by reference&#148; means that we can disclose important information to you by referring you to another document filed separately with the SEC. We have not authorized any other
person to provide you with different or additional information. If anyone provides you with different or additional information, you should not rely on it. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We are not making offers to sell or solicitations to buy the securities in any jurisdiction in which an offer or solicitation is not
authorized or in which the person making that offer or solicitation is not qualified to do so or to anyone to whom it is unlawful to make an offer or solicitation. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">You should not assume that the information in this prospectus or any prospectus supplement, or the information we file or previously filed
with the SEC that we incorporate by reference in this prospectus and any prospectus supplement, is accurate as of any date other than the respective dates of those documents. Our business, financial condition, liquidity, results of operations and
prospects may have changed since those dates. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The registration statement containing this prospectus, including the exhibits to the
registration statement, provides additional information about us and the securities offered under this prospectus. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The exhibits to the
registration statement contain the full text of certain contracts and other important documents we have summarized in this prospectus. You should review the full text of these documents because these summaries may not contain all the information
that you may find important in deciding whether to purchase the securities we offer. The registration statement, including the exhibits, can be read at the SEC&#146;s website mentioned under the heading &#147;Where You Can Find More
Information.&#148; </P> <P STYLE="font-size:18pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ii </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx736421_2"></A>FORWARD-LOOKING STATEMENTS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This prospectus and any prospectus supplement, and the information incorporated by reference in this prospectus or any prospectus supplement,
contains &#147;forward-looking statements&#148; intended to qualify for the safe harbor from liability established by the Private Securities Litigation Reform Act of 1995. Forward-looking statements include those that express a plan, belief,
expectation, estimation, anticipation, intent, contingency, future development, outlook or similar expression, and can generally be identified as forward-looking because they include words such as &#147;believes,&#148; &#147;anticipates,&#148;
&#147;expects,&#148; &#147;could,&#148; &#147;should,&#148; &#147;confident,&#148; &#147;likely,&#148; &#147;plan&#148; or words of similar meaning. Statements that describe our future plans, objectives or goals are also forward-looking statements.
The forward-looking statements included or incorporated by reference into this prospectus or any supplement to this prospectus involve significant risks and uncertainties, and a number of factors, both foreseen and unforeseen, could cause actual
results to differ materially from our current expectations. The factors that may affect our results include, among others, the following: our ability to compete effectively against new and existing competitors and to continue to introduce
competitive new products and services on a timely, cost-effective basis; changes in customer demand for our products and services; the ability of our technology to keep pace with a rapidly evolving marketplace; the success of our merchant alliances,
some of which we do not control; the impact of a security breach or operational failure on our business, including disruptions caused by other participants in the global financial system; losses due to chargebacks, refunds or returns as a result of
fraud or the failure of our vendors and merchants to satisfy their obligations; changes in local, regional, national and international economic or political conditions, including those resulting from heightened inflation, rising interest rates, a
recession, bank failures, or intensified international hostilities, and the impact they may have on us and our employees, clients, vendors, supply chain, operations and sales; the effect of proposed and enacted legislative and regulatory actions
affecting us or the financial services industry as a whole; our ability to comply with government regulations and applicable card association and network rules; the protection and validity of intellectual property rights; the outcome of pending and
future litigation and governmental proceedings; our ability to successfully identify, complete and integrate acquisitions, and to realize the anticipated benefits associated with the same; the impact of our strategic initiatives; our ability to
attract and retain key personnel; volatility and disruptions in financial markets that may impact our ability to access preferred sources of financing and the terms on which we are able to obtain financing or increase our costs of borrowing; adverse
impacts from currency exchange rates or currency controls; changes in corporate tax and interest rates; and other factors included in &#147;Risk Factors&#148; in our most recent Annual Report on Form <FONT STYLE="white-space:nowrap">10-K</FONT> and
Quarterly Reports on Form <FONT STYLE="white-space:nowrap">10-Q</FONT> and in other documents that we file with the SEC, which are available at http://www.sec.gov. You should consider these factors carefully in evaluating forward-looking statements
and are cautioned not to place undue reliance on such statements, which speak only as of the date of this prospectus or the date of the incorporated document. We undertake no obligation to update forward-looking statements to reflect events or
circumstances occurring after the date of this prospectus. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-1- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx736421_3"></A>RISK FACTORS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Investing in our securities involves risk. You should carefully consider and evaluate all of the information contained in this prospectus, any
accompanying prospectus supplement, and in the documents we incorporate by reference into this prospectus or any prospectus supplement before you decide to purchase our securities. In particular, you should carefully consider and evaluate the risks
and uncertainties described in &#147;Part I &#151; Item 1A. Risk Factors&#148; of our most recent Form <FONT STYLE="white-space:nowrap">10-K</FONT> and &#147;Part II &#151; Item 1A. Risk Factors&#148; of any subsequently filed Quarterly Report on
Form <FONT STYLE="white-space:nowrap">10-Q,</FONT> each as updated by the additional risks and uncertainties set forth in other filings we make with the SEC. A prospectus supplement applicable to each type or series of securities we offer will also
contain a discussion of any material risks applicable to the particular type of securities we are offering under that prospectus supplement. Any of the risks and uncertainties set forth therein could materially and adversely affect our business,
results of operations and financial condition, which in turn could materially and adversely affect the trading price or value of our securities. As a result, you could lose all or part of your investment. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx736421_4"></A>FISERV, INC. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We are a leading global provider of payments and financial services technology solutions. We are publicly traded on the New York Stock
Exchange and part of the S&amp;P 500 Index. We serve clients around the globe, including merchants, banks, credit unions, other financial institutions and corporate clients. We provide account processing and digital banking solutions; card issuer
processing and network services; payments; <FONT STYLE="white-space:nowrap">e-commerce;</FONT> merchant acquiring and processing; and the Clover<SUP STYLE="font-size:75%; vertical-align:top">&reg;</SUP> cloud-based <FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap">point-of-sale</FONT></FONT> and business management platform. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We are a Wisconsin corporation. Our principal
executive offices are located at 255 Fiserv Drive, Brookfield, Wisconsin 53045, and our telephone number is (262) <FONT STYLE="white-space:nowrap">879-5000.</FONT> We are relocating our global headquarters location to Milwaukee, Wisconsin in March
2024. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx736421_5"></A>USE OF PROCEEDS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We will describe the use of the net proceeds from the sales of the securities in the applicable prospectus supplement. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-2- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx736421_6"></A>DESCRIPTION OF DEBT SECURITIES </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This section describes the general terms and provisions of the debt securities that we may issue in the form of one or more series from time
to time, separately, upon exercise of a debt warrant, in connection with a purchase contract or as part of a unit. The applicable prospectus supplement will describe the specific terms of the debt securities offered through that prospectus
supplement as well as any general terms described in this section that will not apply to those debt securities. The debt securities will be issued under an indenture between us and U.S. Bank Trust Company, National Association (as successor in
interest to U.S. Bank National Association), as trustee. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We have summarized selected provisions of the indenture below. The summary is
not complete. The indenture has been filed with the Securities and Exchange Commission as an exhibit to the registration statement of which this prospectus is a part, and you should read the indenture for provisions that may be important to you. In
the summary below, we have included references to article or section numbers of the indenture so that you can easily locate these provisions. Whenever we refer in this prospectus or in the prospectus supplement to particular article or sections or
defined terms of the indenture, those article or sections or defined terms are incorporated by reference herein or therein, as applicable. Capitalized terms used in the summary have the meanings specified in the indenture. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>General </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The indenture provides that debt
securities in separate series may be issued under the indenture from time to time without limitation as to aggregate principal amount. We may specify a maximum aggregate principal amount for the debt securities of any series (Section 301). We will
determine the terms and conditions of the debt securities, including the maturity, principal and interest, but those terms must be consistent with the indenture. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The applicable prospectus supplement will set forth or describe the following terms of each series of such debt securities: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the title of the debt securities; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">any limit on the aggregate principal amount of the debt securities; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the price or prices at which the debt securities will be offered; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the person to whom any interest on the debt securities will be payable; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the dates on which the principal of the debt securities will be payable; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the interest rate or rates that the debt securities will bear and the interest payment dates for the debt
securities; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the places where payments on the debt securities will be payable; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">any periods within which, and terms upon which, the debt securities may be redeemed, in whole or in part, at our
option; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">any sinking fund or other provisions that would obligate us to repurchase or otherwise redeem the debt
securities; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the portion of the principal amount, if less than all, of the debt securities that will be payable upon
declaration of acceleration of the maturity of the debt securities; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">whether the debt securities are defeasible and any changes or additions to the indenture&#146;s defeasance
provisions; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">whether the debt securities are convertible into our common stock or other securities or property and, if so, the
terms and conditions upon which conversion will be effected; </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-3- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">any addition to or change in the events of default with respect to the debt securities; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">any addition to or change in the covenants in the indenture; and </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">any other terms of the debt securities not inconsistent with the provisions of the indenture (Section 301).
</P></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The indenture does not limit the amount of debt securities that may be issued. The indenture allows debt securities to
be issued up to the principal amount that we may authorize and may be in any currency or currency unit we designate. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Debt securities,
including Original Issue Discount Securities (as defined in the indenture), may be sold at a substantial discount below their principal amount. Special U.S. federal income tax considerations applicable to debt securities sold at an original issue
discount may be described in the applicable prospectus supplement. In addition, special U.S. federal income tax or other considerations applicable to any debt securities that are denominated in a currency or currency unit other than U.S. dollars may
be described in the applicable prospectus supplement. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Conversion Rights </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The debt securities may be converted into our common stock or other securities or property, if at all, according to the terms and conditions of
an applicable prospectus supplement. Such terms will include the conversion price, the conversion period, provisions as to whether conversion will be at our option or the option of the holders of such series of debt securities, the events requiring
an adjustment of the conversion price, and provisions affecting conversion in the event of the redemption of such series of debt securities. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Consolidation, Merger and Sale of Assets </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Unless otherwise specified in the prospectus supplement, we may not consolidate with or merge into, or transfer, lease or otherwise dispose all
or substantially all of our assets to, any person, and may not permit any person to consolidate with or merge into us, unless: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the successor person (if any) is a corporation, limited liability company, partnership, trust or other entity
organized and validly existing under the laws of any domestic jurisdiction and assumes our obligations with respect to the debt securities under the indenture; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">immediately after giving pro forma effect to the transaction, no event of default, and no event which, after
notice or lapse of time or both, would become an event of default, exists; and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">we deliver to the trustee an officers&#146; certificate and opinion of counsel stating that the transaction and
the related supplemental indenture comply with the applicable provisions of the indenture and all applicable conditions precedent have been satisfied (Section 801). </P></TD></TR></TABLE>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Events of Default </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Unless otherwise
specified in the prospectus supplement, each of the following will constitute an event of default under the indenture with respect to debt securities of any series: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">failure to pay principal of or any premium on any debt security of that series when due; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">failure to pay any interest on any debt securities of that series when due, that is not cured within 30 days;
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(3)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">failure to deposit any sinking fund payment, when due, in respect of any debt security of that series, that is
not cured within 30 days; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(4)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">failure to perform any of our other covenants in such indenture (other than a covenant included in such
indenture solely for the benefit of a series other than that series or that is not made applicable to that </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-4- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="9%">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">
series), that is not cured within 90 days after written notice has been given by the trustee, or the holders of at least 25% in principal amount of the outstanding debt securities of that series,
as provided in such indenture; or </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(5)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">certain events of bankruptcy, insolvency or reorganization affecting us or any of our significant subsidiaries.
</P></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If an event of default (other than an event of default with respect to Fiserv, Inc. described in clause (5)&nbsp;above)
with respect to the debt securities of any series at the time outstanding occurs and is continuing, either the trustee by notice to us or the holders of at least 25% in principal amount of the outstanding debt securities of that series by notice to
us and the trustee may declare the principal amount of the debt securities of that series (or, in the case of any Original Issue Discount Security, such portion of the principal amount of such security as may be specified in the terms of such
security) to be due and payable immediately. If an event of default with respect to Fiserv, Inc. described in clause (5)&nbsp;above with respect to the debt securities of any series at the time outstanding occurs, the principal amount of all the
debt securities of that series (or, in the case of any such Original Issue Discount Security, such specified amount) will automatically, and without any action by the trustee or any holder, become immediately due and payable. After any such
acceleration, but before a judgment or decree based on acceleration, the holders of a majority in principal amount of the outstanding debt securities of that series may, under certain circumstances, rescind and annul such acceleration if all events
of default, other than the <FONT STYLE="white-space:nowrap">non-payment</FONT> of accelerated principal (or other specified amount), have been cured or waived as provided in the indenture (Section 502). For information as to waiver of defaults, see
&#147;&#151; Modification and Waiver&#148; below. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Subject to the provisions of the indenture relating to the duties of the trustee in
case an event of default has occurred and is continuing, the trustee will be under no obligation to exercise any of its rights or powers under the indenture at the request or direction of any of the holders of debt securities, unless such holders
have offered to the trustee reasonable indemnity (Section 603). Subject to such provisions for the indemnification of the trustee, the holders of a majority in principal amount of the outstanding debt securities of any series will have the right to
direct the time, method and place of conducting any proceeding for any remedy available to the trustee or exercising any trust or power conferred on the trustee with respect to the debt securities of that series (Section 512). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">No holder of a debt security of any series will have any right to institute any proceeding under the indenture, or for the appointment of a
receiver or a trustee, or for any other remedy under the indenture, unless: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">such holder gives the trustee written notice of a continuing event of default with respect to the debt securities
of that series; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the holders of at least 25% in principal amount of the outstanding debt securities of that series made a written
request to pursue the remedy, and such holders have offered reasonable indemnity, to the trustee for losses incurred in connection with pursuit of the remedy; and </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the trustee fails to comply with the request, and does not receive from the holders of a majority in principal
amount of the outstanding debt securities of that series a direction inconsistent with such request, within 60 days after such notice, request and offer (Section 507). </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">However, such limitations do not apply to a suit instituted by a holder of a debt security to enforce the payment of the principal of or any
premium or interest on such debt security on or after the applicable due date specified in such debt security or, if applicable, to convert such debt security (Sections 507 and 508). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We will be required to furnish to the trustee annually a statement by certain of our officers as to whether or not we, to their knowledge, are
in default in the performance or observance of any of the terms, provisions and conditions of the indenture and, if so, specifying all such known defaults (Section 1004). </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-5- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Modification and Waiver </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Unless otherwise specified in the prospectus supplement, modifications and amendments of the indenture may be made by us and the trustee with
the consent of the holders of a majority in principal amount of the outstanding debt securities of each series affected by such modification or amendment; provided, however, that no such modification or amendment may, without the consent of the
holder of each outstanding debt security affected thereby: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">change the stated maturity of the principal of, or any installment of principal of or interest on, any debt
security; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">reduce the principal amount of, or any premium or interest on, any debt security; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">reduce the amount of principal payable upon acceleration of the maturity of any debt security;
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">change the place, manner or currency of payment of principal of, or any premium or interest on, any debt
security; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">impair the right to institute suit for the enforcement of any payment due on or any conversion right with respect
to any debt securities in a manner adverse to the holders of such debt securities; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">reduce the percentage in principal amount of outstanding debt securities of any series, the consent of whose
holders is required for modification or amendment of the indenture; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">reduce the percentage in principal amount of outstanding debt securities of any series necessary for waiver of
compliance with certain provisions of the indenture or for waiver of certain defaults; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">modify such provisions with respect to modification, amendment or waiver; or </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">change the ranking of any series of debt securities (Section 902). </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Unless otherwise specified in the prospectus supplement, the holders of a majority in principal amount of the outstanding debt securities of
any series may waive compliance by us with certain restrictive provisions of the indenture (Section 902). The holders of a majority in principal amount of the outstanding debt securities of any series may also waive any past default under the
indenture, except a default: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">in the payment of principal, premium or interest or the payment of any redemption, purchase or repurchase price;
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">arising from our failure to convert any debt security in accordance with the indenture; or </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">of certain covenants and provisions of the indenture which cannot be amended without the consent of the holder of
each outstanding debt security of such series (Section 513). </P></TD></TR></TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Satisfaction and Discharge </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The indenture will be discharged and will cease to be of further effect as to any series of debt securities (except as to any surviving rights
of registration of transfer or exchange of debt securities expressly provided for in the indenture or any other surviving rights expressly provided for in a supplemental indenture) when: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">either: </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="10%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">all debt securities that have been authenticated (except lost, stolen or destroyed debt securities that have been
replaced or paid and debt securities for whose payment money has theretofore been deposited in trust and thereafter repaid to us) have been delivered to the trustee for cancellation; or </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="10%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">all debt securities that have not been delivered to the trustee for cancellation have become due and payable or
will become due and payable at their stated maturity within one year or are to be called for redemption within one year under arrangements satisfactory to the trustee and in any case we have deposited with the trustee as trust funds U.S. dollars or
U.S. government obligations in an </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-6- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">
amount sufficient, to pay the entire indebtedness of such debt securities not delivered to the trustee for cancellation, for principal, premium, if any, and accrued interest to the stated
maturity or redemption date; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">we have paid or caused to be paid all other sums payable by us under the indenture; and </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">we have delivered an officers&#146; certificate and an opinion of counsel to the trustee stating that we have
satisfied all conditions precedent to satisfaction and discharge of the indenture with respect to the debt securities (Section 401). </P></TD></TR></TABLE>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Legal Defeasance and Covenant Defeasance </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Legal Defeasance</I>. We will be discharged from all our obligations with respect to such debt securities (except for certain obligations to
convert, exchange or register the transfer of debt securities, to replace stolen, lost or mutilated debt securities, to maintain paying agencies and to hold moneys for payment in trust) upon the deposit in trust for the benefit of the holders of
such debt securities of money or U.S. government obligations, or both, which, through the payment of principal and interest in respect thereof in accordance with their terms, will provide money in an amount sufficient to pay the principal of and any
premium and interest on such debt securities on the respective stated maturities in accordance with the terms of the indenture and such debt securities. Such defeasance or discharge may occur only if, among other things: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">we have delivered to the trustee an opinion of counsel to the effect that we have received from, or there has
been published by, the U.S. Internal Revenue Service a ruling, or there has been a change in tax law, in either case to the effect that holders of such debt securities will not recognize gain or loss for federal income tax purposes as a result of
such deposit and legal defeasance and will be subject to federal income tax on the same amount, in the same manner and at the same times as would have been the case if such deposit and legal defeasance were not to occur; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">no event of default or event that with the passing of time or the giving of notice, or both, shall constitute
an event of default shall have occurred and be continuing at the time of such deposit or, with respect to any event of default described in clause (5)&nbsp;under &#147;&#151; Events of Default,&#148; at any time until 90 days after such deposit;
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(3)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">such deposit and defeasance will not result in a breach or violation of, or constitute a default under, any
agreement or instrument to which we are a party or by which we are bound; and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(4)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">we have delivered to the trustee an opinion of counsel to the effect that such defeasance will not cause the
trustee or the trust so created to be subject to the Investment Company Act of 1940 (Sections 1302 and 1304). </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Covenant Defeasance</I>. The indenture provides that we may elect, at our option, that our failure to comply with certain restrictive
covenants (but not to conversion, if applicable), including those that may be described in the applicable prospectus supplement, and the occurrence of certain events of default which are described above in clause (4)&nbsp;under &#147;&#151; Events
of Default&#148; and any that may be described in the applicable prospectus supplement, will not be deemed to either be or result in an event of default with respect to such debt securities. In order to exercise such option, we must deposit, in
trust for the benefit of the holders of such debt securities, money or U.S. government obligations, or both, which, through the payment of principal and interest in respect thereof in accordance with their terms, will provide money in an amount
sufficient to pay the principal of and any premium and interest on such debt securities on the respective stated maturities in accordance with the terms of the indenture and such debt securities. Such covenant defeasance may occur only if we have
delivered to the trustee an opinion of counsel that in effect says that holders of such debt securities will not recognize gain or loss for federal income tax purposes as a result of such deposit and covenant defeasance and will be subject to
federal income tax on the same amount, in the same manner and at the same times as would have been the case if such deposit and covenant defeasance were not to occur, and the requirements set forth in clauses (2), (3), and (4)&nbsp;under the heading
&#151;&#147;Legal Defeasance and Covenant Defeasance&#148; above are satisfied. If we exercise this </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-7- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
option with respect to any debt securities and such debt securities were declared due and payable because of the occurrence of any event of default, the amount of money and U.S. government
obligations so deposited in trust would be sufficient to pay amounts due on such debt securities at the time of their respective stated maturities but may not be sufficient to pay amounts due on such debt securities upon any acceleration resulting
from such event of default. In such case, we would remain liable for such payments (Sections 1303 and 1304). </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Governing Law </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The indenture and the debt securities will be governed by, and construed in accordance with, the laws of the State of New York. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-8- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx736421_7"></A>DESCRIPTION OF CAPITAL STOCK </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following description of our capital stock summarizes general terms and provisions that apply to our capital stock. Because this is only a
summary it does not contain all of the information that may be important to you. The summary is subject to and qualified in its entirety by reference to our articles of incorporation and <FONT STYLE="white-space:nowrap">by-laws,</FONT> which are
filed as exhibits to the registration statement of which this prospectus is a part and incorporated by reference into this prospectus. See &#147;Where You Can Find More Information.&#148; </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>General </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Our authorized capital stock
consists of 1,800,000,000 shares of common stock, $0.01 par value per share, and 25,000,000 shares of preferred stock, no par value per share. We will disclose in an applicable prospectus supplement the number of shares of our common stock then
outstanding. As of the date of this prospectus, no shares of our preferred stock were outstanding. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Common Stock </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Subject to Section&nbsp;180.1150 of the Wisconsin Business Corporation Law (described below under &#147;&#151; Statutory Provisions&#148;),
holders of our common stock are entitled to one vote for each share of common stock held by them on all matters properly presented to shareholders. Subject to the prior rights of the holders of any shares of our preferred stock that are outstanding,
our board of directors may at its discretion declare and pay dividends on our common stock out of our earnings or assets legally available for the payment of dividends. Subject to the prior rights of the holders of any shares of our preferred stock
that are outstanding, if we are liquidated, any amounts remaining after the discharge of outstanding indebtedness will be paid pro rata to the holders of our common stock. Holders of our common stock have no preemptive, subscription, redemption or
conversion rights. The rights, preferences and privileges of holders of our common stock are subject to, and may be adversely affected by, the rights of the holders of shares of any series of preferred stock that we may designate and issue in the
future. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Preferred Stock </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Our board
of directors is authorized to issue our preferred stock in series and to fix the voting rights; the designations, preferences, limitations and relative rights of any series with respect to the rate of dividend, the price, the terms and conditions of
redemption; the amounts payable in the event of voluntary or involuntary liquidation; sinking fund provisions for redemption or purchase of a series; and the terms and conditions on which a series may be converted. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If we offer preferred stock, we will file the terms of the preferred stock with the SEC and the prospectus supplement relating to that
offering will include a description of the specific terms of the offering, including the following specific terms: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the series, the number of shares offered and the liquidation value of the preferred stock; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the price at which the preferred stock will be issued; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the dividend rate, the dates on which the dividends will be payable and other terms relating to the payment of
dividends on the preferred stock; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the liquidation preference of the preferred stock; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the voting rights of the preferred stock; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">whether the preferred stock is redeemable or subject to a sinking fund, and the terms of any such redemption or
sinking fund; </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-9- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">whether the preferred stock is convertible or exchangeable for any other securities, and the terms of any such
conversion; and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">any additional rights, preferences, qualifications, limitations and restrictions of the preferred stock.
</P></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">It is not possible to state the actual effect of the issuance of any shares of preferred stock upon the rights of
holders of our common stock until the board of directors determines the specific rights of the holders of the preferred stock. However, these effects might include: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">restricting dividends on the common stock; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">diluting the voting power of the common stock; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">impairing the liquidation rights of the common stock; and </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">delaying or preventing a change in control of our company. </P></TD></TR></TABLE>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Statutory Provisions </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;180.1150 of the Wisconsin Business Corporation Law provides that the voting power of public Wisconsin corporations such as us held
by any person or persons acting as a group in excess of 20% of our voting power is limited to 10% of the full voting power of those shares, unless full voting power of those shares has been restored pursuant to a vote of shareholders. Sections
180.1140 to 180.1144 of the Wisconsin Business Corporation Law contain some limitations and special voting provisions applicable to specified business combinations involving Wisconsin corporations such as us and a significant shareholder, unless the
board of directors of the corporation approves the business combination or the shareholder&#146;s acquisition of shares before these shares are acquired. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Similarly, Sections 180.1130 to 180.1133 of the Wisconsin Business Corporation Law contain special voting provisions applicable to some
business combinations, unless specified minimum price and procedural requirements are met. Following commencement of a takeover offer, Section&nbsp;180.1134 of the Wisconsin Business Corporation Law imposes special voting requirements on share
repurchases effected at a premium to the market and on asset sales by the corporation, unless, as it relates to the potential sale of assets, the corporation has at least three independent directors and a majority of the independent directors vote
not to have the provision apply to the corporation. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-10- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx736421_8"></A>DESCRIPTION OF DEPOSITARY SHARES </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We may, at our option, elect to offer fractional interests in shares of preferred stock rather than a full share of preferred stock. In that
event, depositary receipts will be issued for depositary shares, each of which will represent a fraction of a share of a particular class or series of preferred stock, as described in the applicable prospectus supplement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Any series of preferred stock represented by depositary shares will be deposited under a deposit agreement between Fiserv, Inc. and the
depositary. The prospectus supplement relating to a series of depositary shares will set forth the name and address of the depositary for the depositary shares and summarize the material provisions of the deposit agreement. Subject to the terms of
the deposit agreement, each owner of a depositary share will be entitled, in proportion to the applicable fraction of a share of preferred stock represented by such depositary share, to all the rights and preferences of the preferred stock
represented by such depositary share, including dividend and liquidation rights and any right to convert or exchange the preferred stock into other securities. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We will describe the particular terms of any depositary shares we offer in the applicable prospectus supplement. You should review the
documents pursuant to which the depositary shares will be issued, which will be described in more detail in the applicable prospectus supplement. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-11- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx736421_9"></A>DESCRIPTION OF WARRANTS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We may issue warrants for the purchase of debt securities, preferred stock, common stock or other securities. Warrants may be issued
independently or together with debt securities, preferred stock or common stock offered by any prospectus supplement and may be attached to or separate from any such offered securities. Each series of warrants will be issued under a separate warrant
agreement to be entered into between us and a bank or trust company, as warrant agent, all as will be set forth in the prospectus supplement relating to the particular issue of warrants. The warrant agent will act solely as our agent in connection
with the warrants and will not assume any obligation or relationship of agency or trust for or with any holders of warrants or beneficial owners of warrants. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following summary of certain provisions of the warrants does not purport to be complete and is subject to, and is qualified in its
entirety by reference to, all provisions of the warrant agreements. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Reference is made to the prospectus supplement relating to the
particular issue of warrants offered pursuant to such prospectus supplement for the terms of and information relating to such warrants, including, where applicable: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the designation, aggregate principal amount, currencies, denominations and terms of the series of debt securities
purchasable upon exercise of warrants to purchase debt securities and the price at which such debt securities may be purchased upon such exercise; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the number of shares of common stock purchasable upon the exercise of warrants to purchase common stock and the
price at which such number of shares of common stock may be purchased upon such exercise; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the number of shares and series of preferred stock purchasable upon the exercise of warrants to purchase
preferred stock and the price at which such number of shares of such series of preferred stock may be purchased upon such exercise; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the designation and number of units of other securities purchasable upon the exercise of warrants to purchase
other securities and the price at which such number of units of such other securities may be purchased upon such exercise; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the date on which the right to exercise such warrants will commence and the date on which such right will expire;
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">U.S. federal income tax consequences applicable to such warrants; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the number of warrants outstanding as of the most recent practicable date; and </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">any other terms of such warrants. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Warrants will be issued in registered form only. The exercise price for warrants will be subject to adjustment in accordance with provisions
described in the applicable prospectus supplement. Each warrant will entitle the holder thereof to purchase such principal amount of debt securities or such number of shares of preferred stock, common stock or other securities at such exercise price
as will in each case be set forth in, or calculable from, the prospectus supplement relating to the warrants, which exercise price may be subject to adjustment upon the occurrence of certain events as set forth in such prospectus supplement. After
the close of business on the expiration date, or such later date to which such expiration date may be extended by us, unexercised warrants will become void. The place or places where, and the manner in which, warrants may be exercised will be
specified in the prospectus supplement relating to such warrants. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Prior to the exercise of any warrants to purchase debt securities,
preferred stock, common stock or other securities, holders of such warrants will not have any of the rights of holders of debt securities, preferred stock, common stock or other securities, as the case may be, purchasable upon such exercise,
including the right to receive payments of principal of, premium, if any, or interest, if any, on the debt securities purchasable upon such exercise or to enforce covenants in the indenture, or to receive payments of dividends, if any, on the
preferred stock, or common stock purchasable upon such exercise, or to exercise any applicable right to vote. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-12- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx736421_10"></A>DESCRIPTION OF PURCHASE CONTRACTS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We may issue purchase contracts for the purchase or sale of our debt securities or equity securities or securities of third parties including
any of our affiliates, a basket of such securities, an index or indices of such securities or any combination of the above as specified in the applicable prospectus supplement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We may issue purchase contracts obligating holders to purchase from us, and obligating us to sell to holders, at a future date, a specified or
varying number of securities at a purchase price, which may be based on a formula. Alternatively, we may issue purchase contracts obligating us to purchase from holders, and obligating holders to sell to us, at a future date, a specified or varying
number of securities at a purchase price, which may be based on a formula. We may satisfy our obligations, if any, with respect to any purchase contract by delivering the subject securities or by delivering the cash value of such purchase contract
or the cash value of the property otherwise deliverable, as set forth in the applicable prospectus supplement. The applicable prospectus supplement will specify the methods by which the holders may purchase or sell such securities and any
acceleration, cancellation or termination provisions or other provisions relating to the settlement of a purchase contract. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The purchase
contracts may require us to make periodic payments to the holders thereof or vice versa, and these payments may be unsecured or prefunded and may be paid on a current or deferred basis. The purchase contracts may require holders thereof to secure
their obligations under the contracts in a specified manner to be described in the applicable prospectus supplement. Alternatively, purchase contracts may require holders to satisfy their obligations thereunder when the purchase contracts are issued
as described in the applicable prospectus supplement. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-13- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx736421_11"></A>DESCRIPTION OF UNITS </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We may issue units comprised of one or more of the other securities described in this prospectus in any combination. Each unit may also include
debt obligations or other securities of third parties not affiliated with us, such as U.S. Treasury securities. Each unit will be issued so that the holder of the unit is also the holder of each security included in the unit. Thus, the holder of a
unit will have the rights and obligations of a holder of each included security. The applicable unit agreement under which a unit is issued may provide that the securities included in the unit may not be held or transferred separately, at any time
or any time before a specified date. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The applicable prospectus supplement will describe the terms of the units offered pursuant to it,
including one or more of the following: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the designation and terms of the units and of the securities comprising the units, including whether and under
what circumstances those securities may be held or transferred separately; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">any provisions for the issuance, payment, settlement, transfer or exchange of the units or of the securities
comprising the units; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the terms of any agreements governing the units; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">U.S. federal income tax considerations relevant to the units; and </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">whether the units will be issued in fully registered or global form. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The preceding description and any description of units in the applicable prospectus supplement does not purport to be complete and is subject
to and is qualified in its entirety by reference to each unit agreement and, if applicable, collateral arrangements relating to such units. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-14- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx736421_12"></A>SELLING SHAREHOLDERS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We may register shares of common stock covered by this prospectus for <FONT STYLE="white-space:nowrap">re-offers</FONT> and resales by any
selling shareholders to be named in a prospectus supplement. Because we are a well-known seasoned issuer, as defined in Rule&nbsp;405 of the Securities Act of 1933, as amended (the &#147;Securities Act&#148;), we may add secondary sales of shares of
our common stock by any selling shareholders by filing a prospectus supplement with the SEC. We may register these shares to permit selling shareholders to resell their shares when they deem appropriate. A selling shareholder may resell all, a
portion or none of such shareholder&#146;s shares at any time and from time to time. Selling shareholders may also sell, transfer or otherwise dispose of some or all of their shares of our common stock in transactions exempt from the registration
requirements of the Securities Act. We do not know when or in what amounts the selling shareholders may offer shares for sale under this prospectus and any prospectus supplement. We will not receive any proceeds from any sale of shares by a selling
shareholder under this prospectus and any prospectus supplement. We may pay all expenses incurred with respect to the registration of the shares of common stock owned by the selling shareholders, other than underwriting fees, discounts or
commissions, which will be borne by the selling shareholders. We will provide you with a prospectus supplement naming the selling shareholders, the amount of shares to be registered and sold and any other terms of the shares of common stock being
sold by each selling shareholder. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-15- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx736421_13"></A>PLAN OF DISTRIBUTION </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We may&nbsp;sell our securities, and any selling shareholder may&nbsp;sell shares of our common stock, in any one or more of the following
ways from time to time:&nbsp;(i)&nbsp;through agents; (ii)&nbsp;to or through underwriters; (iii)&nbsp;through brokers or dealers; (iv)&nbsp;directly by us or any selling shareholders to purchasers, including through a specific bidding, auction or
other process; or (v)&nbsp;through a combination of any of these methods of sale. The applicable prospectus supplement will contain the terms of the transaction, name or names of any underwriters, dealers, agents and the respective amounts of
securities underwritten or purchased by them, the initial public offering price of the securities, and the applicable agent&#146;s commission, dealer&#146;s purchase price or underwriter&#146;s discount. Any selling shareholders, dealers and agents
participating in the distribution of the securities may be deemed to be underwriters, and compensation received by them on resale of the securities may be deemed to be underwriting discounts. Additionally, because selling shareholders may be deemed
to be &#147;underwriters&#148; within the meaning of Section&nbsp;2(11) of the Securities Act, selling shareholders may be subject to the prospectus delivery requirements of the Securities Act. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Any initial offering price, dealer purchase price, discount or commission may be changed from time to time. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The securities may be distributed from time to time in one or more transactions, at negotiated prices, at a fixed price or fixed prices (that
may be subject to change), at market prices prevailing at the time of sale, at various prices determined at the time of sale or at prices related to prevailing market prices. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Offers to purchase securities may be solicited directly by us or any selling shareholder or by agents designated by us from time to time. Any
such agent may be deemed to be an underwriter, as that term is defined in the Securities Act, of the securities so offered and sold. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If
underwriters are utilized in the sale of any securities in respect of which this prospectus is being delivered, such securities will be acquired by the underwriters for their own account and may be resold from time to time in one or more
transactions, including negotiated transactions, at fixed public offering prices or at varying prices determined by the underwriters at the time of sale. Securities may be offered to the public either through underwriting syndicates represented by
managing underwriters or directly by one or more underwriters. If any underwriter or underwriters are utilized in the sale of securities, unless otherwise indicated in the applicable prospectus supplement, the obligations of the underwriters are
subject to certain conditions precedent, and the underwriters will be obligated to purchase all such securities if they purchase any of them. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If a dealer is utilized in the sale of the securities in respect of which this prospectus is delivered, we will sell such securities, and any
selling shareholder will sell shares of our common stock to the dealer, as principal. The dealer may then resell such securities to the public at varying prices to be determined by such dealer at the time of resale. Transactions through brokers or
dealers may include block trades in which brokers or dealers will attempt to sell shares as agent but may position and resell as principal to facilitate the transaction or in cross trades, in which the same broker or dealer acts as agent on both
sides of the trade. Any such dealer may be deemed to be an underwriter, as such term is defined in the Securities Act, of the securities so offered and sold. In addition, any selling shareholder may sell shares of our common stock in ordinary
brokerage transactions or in transactions in which a broker solicits purchases. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Offers to purchase securities may be solicited directly
by us or any selling shareholder and the sale thereof may be made by us or any selling shareholder directly to institutional investors or others, who may&nbsp;be deemed to be underwriters within the meaning of the Securities Act with respect to any
resale thereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Any selling shareholders may also resell all or a portion of their shares of our common stock in transactions exempt from
the registration requirements of the Securities Act in reliance upon Rule&nbsp;144 under the Securities Act provided they meet the criteria and conform to the requirements of that rule, Section&nbsp;4(1) of the Securities Act or other applicable
exemptions, regardless of whether the securities are covered by the registration statement of which this prospectus forms a part. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-16- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If so indicated in the applicable prospectus supplement, we or any selling shareholder may
authorize agents and underwriters to solicit offers by certain institutions to purchase securities from us or any selling shareholder at the public offering price set forth in the applicable prospectus supplement pursuant to delayed delivery
contracts providing for payment and delivery on the date or dates stated in the applicable prospectus supplement. Such delayed delivery contracts will be subject only to those conditions set forth in the applicable prospectus supplement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Agents, underwriters and dealers may be entitled under relevant agreements with us or any selling shareholder to indemnification by us against
certain liabilities, including liabilities under the Securities Act, or to contribution with respect to payments which such agents, underwriters and dealers may be required to make in respect thereof. The terms and conditions of any indemnification
or contribution will be described in the applicable prospectus supplement. We may pay all expenses incurred with respect to the registration of the shares of common stock owned by any selling shareholders, other than underwriting fees, discounts or
commissions, which will be borne by the selling shareholders. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We or any selling shareholder may also sell shares of our common stock
through various arrangements involving mandatorily or optionally exchangeable securities, and this prospectus may be delivered in connection with those sales. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We or any selling shareholder may enter into derivative, sale or forward sale transactions with third parties, or sell securities not covered
by this prospectus to third parties in privately negotiated transactions. If the applicable prospectus supplement indicates, in connection with those transactions, the third parties may sell securities covered by this prospectus and the applicable
prospectus supplement, including in short sale transactions and by issuing securities not covered by this prospectus but convertible into, or exchangeable for or representing beneficial interests in such securities covered by this prospectus, or the
return of which is derived in whole or in part from the value of such securities. The third parties may use securities received under derivative, sale or forward sale transactions, or securities pledged by us or any selling shareholder or borrowed
from us, any selling shareholder or others to settle those sales or to close out any related open borrowings of stock, and may use securities received from us or any selling shareholder in settlement of those transactions to close out any related
open borrowings of stock. The third party in such sale transactions will be an underwriter and will be identified in the applicable prospectus supplement (or a post-effective amendment). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Additionally, any selling shareholder may engage in hedging transactions with broker-dealers in connection with distributions of shares or
otherwise. In those transactions, broker-dealers may engage in short sales of shares in the course of hedging the positions they assume with such selling shareholder. Any selling shareholder also may sell shares short and redeliver shares to close
out such short positions. Any selling shareholder may also enter into option or other transactions with broker-dealers which require the delivery of shares to the broker-dealer. The broker-dealer may then resell or otherwise transfer such shares
pursuant to this prospectus. Any selling shareholder also may loan or pledge shares, and the borrower or pledgee may sell or otherwise transfer the shares so loaned or pledged pursuant to this prospectus. Such borrower or pledgee also may transfer
those shares to investors in our securities or the selling shareholder&#146;s securities or in connection with the offering of other securities not covered by this prospectus. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Underwriters, broker-dealers or agents may receive compensation in the form of commissions, discounts or concessions from us or any selling
shareholder. Underwriters, broker-dealers or agents may also receive compensation from the purchasers of shares for whom they act as agents or to whom they sell as principals, or both. Compensation as to a particular underwriter, broker-dealer or
agent will be in amounts to be negotiated in connection with transactions involving shares and might be in excess of customary commissions. In effecting sales, broker-dealers engaged by us or any selling shareholder may arrange for other
broker-dealers to participate in the resales. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Any securities offered other than common stock will be a new issue and, other than the
common stock, which is listed on the New York Stock Exchange, will have no established trading market. We may elect to list </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-17- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
any series&nbsp;of securities on an exchange, and in the case of the common stock, on any additional exchange, but, unless otherwise specified in the applicable prospectus supplement, we shall
not be obligated to do so. No assurance can be given as to the liquidity of the trading market for any of the securities. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Agents,
underwriters and dealers may engage in transactions with, or perform services for, us, our subsidiaries or any selling shareholder in the ordinary course of business. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Any underwriter may engage in overallotment, stabilizing transactions, short covering transactions and penalty bids in accordance with
Regulation M under the Securities Exchange Act of 1934, as amended (the &#147;Exchange Act&#148;). Overallotment involves sales in excess of the offering size, which create a short position. Stabilizing transactions permit bids to purchase the
underlying security so long as the stabilizing bids do not exceed a specified maximum. Short covering transactions involve purchases of the securities in the open market after the distribution is completed to cover short positions. Penalty bids
permit the underwriters to reclaim a selling concession from a dealer when the securities originally sold by the dealer are purchased in a covering transaction to cover short positions. Those activities may cause the price of the securities to be
higher than it would otherwise be. If commenced, the underwriters may discontinue any of the activities at any time. An underwriter may carry out these transactions on the New York Stock Exchange, in the <FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap">over-the-counter</FONT></FONT> market or otherwise. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The place and time of delivery for securities will be set
forth in the accompanying prospectus supplement for such securities. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-18- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx736421_14"></A>WHERE YOU CAN FIND MORE INFORMATION </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We file annual, quarterly and current reports, proxy statements and other information with the SEC. We also filed a registration statement on
Form <FONT STYLE="white-space:nowrap">S-3,</FONT> including exhibits, under the Securities Act with respect to the securities offered by this prospectus. This prospectus is a part of the registration statement, but does not contain all of the
information included in the registration statement or the exhibits. The SEC maintains a website, www.sec.gov, that contains reports, proxy and information statements and other information regarding issuers that file electronically with the SEC. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We are &#147;incorporating by reference&#148; specified documents that we file with the SEC, which means: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">incorporated documents are considered part of this prospectus; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">we are disclosing important information to you by referring you to those documents; and </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">information we file with the SEC will automatically update and supersede information contained in this
prospectus. </P></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We incorporate by reference the documents listed below and any future filings we make with the SEC under
Sections 13(a), 13(c), 14 or 15(d) of the Exchange Act after the date of this prospectus and before the end of the offering of the securities pursuant to this prospectus: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">our Annual Report on <A HREF="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/798354/000079835424000037/fi-20231231.htm">Form
 <FONT STYLE="white-space:nowrap">10-K</FONT></A> for the year ended December&nbsp;31, 2023; and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">our Current Reports on <A HREF="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/798354/000119312524041532/d781218d8k.htm">Form
 8-K</A> filed on February 21, 2024 and <A HREF="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/798354/000119312524041537/d786177d8ka.htm">Form 8-K/A</A> filed on February 21, 2024. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Notwithstanding the foregoing, documents or portions thereof containing information furnished under Items 2.02 and 7.01 of any Current Report on Form <FONT
STYLE="white-space:nowrap">8-K,</FONT> including the related exhibits under Item 9.01, are not incorporated by reference in this prospectus. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">You may request a copy of any of these filings, at no cost, by request directed to us at the following address or telephone number: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:22%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Fiserv, Inc. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:22%; text-indent:4%; font-size:10pt; font-family:Times New Roman">255 Fiserv Drive </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:22%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Brookfield, WI 53045 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:22%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">(262)&nbsp;879-5000</FONT> </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:22%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Attention: Secretary </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">You can also find these filings on our website at www.fiserv.com. We are not incorporating the information on our website other than these
filings into this prospectus. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">You should not assume that the information in this prospectus or any prospectus supplement, as well as the
information we file or previously filed with the SEC that we incorporate by reference in this prospectus or any prospectus supplement, is accurate as of any date other than the respective date of such documents. Our business, financial condition,
results of operations and prospects may have changed since that date. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-19- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx736421_15"></A>LEGAL MATTERS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The validity of the securities offered by this prospectus will be passed upon for us by Foley&nbsp;&amp; Lardner LLP. The validity of the
securities offered by this prospectus will be passed upon for any underwriters or agents by counsel named in the applicable prospectus supplement. The opinions of Foley&nbsp;&amp; Lardner LLP and counsel for any underwriters or agents may be
conditioned upon and may be subject to assumptions regarding future action required to be taken by us and any underwriters, dealers or agents in connection with the issuance of any securities. The opinions of Foley&nbsp;&amp; Lardner LLP and counsel
for any underwriters or agents may be subject to other conditions and assumptions, as indicated in the prospectus supplement. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx736421_16">
</A>EXPERTS </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The consolidated financial statements of Fiserv, Inc. incorporated by reference in this prospectus by reference to
Fiserv, Inc.&#146;s Annual Report on Form <FONT STYLE="white-space:nowrap">10-K</FONT> for the year ended December&nbsp;31, 2023, and the effectiveness of Fiserv, Inc.&#146;s internal control over financial reporting, have been audited by
Deloitte&nbsp;&amp; Touche LLP, an independent registered public accounting firm, as stated in their reports. Such consolidated financial statements are incorporated by reference in reliance upon the reports of such firm given their authority as
experts in accounting and auditing. </P> <P STYLE="font-size:18pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-20- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>PART II </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>INFORMATION NOT REQUIRED IN PROSPECTUS </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="10%" VALIGN="top" ALIGN="left"><B>Item&#8201;14.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>Other Expenses of Issuance and Distribution. </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The aggregate estimated expenses, other than underwriting discounts and commissions, in connection with the sale of the securities being
registered hereby are currently anticipated to be as follows (all amounts are estimated). All expenses of the offering will be paid by Fiserv, Inc. (the &#147;Company&#148;). </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="68%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="84%"></TD>

<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Securities and Exchange Commission registration fee</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(1</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Printing expenses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(2</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Legal fees and expenses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(2</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Accounting fees and expenses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(2</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Miscellaneous (including any applicable listing fees, rating agency fees, trustee and transfer
agent&#146;s fees and expenses)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(2</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#8195;&#8195;&#8195;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:11%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Deferred in accordance with Rules 456(b) and 457(r) under the Securities Act of 1933, as amended (the
&#147;Securities Act&#148;). </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">The amount of securities and number of offerings are indeterminable, and the expenses cannot be estimated at
this time. An estimate of the various expenses in connection with the sale and distribution of the securities being offered will be included in the applicable prospectus supplement. </P></TD></TR></TABLE>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="10%" VALIGN="top" ALIGN="left"><B>Item&#8201;15.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>Indemnification of Directors and Officers. </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to the provisions of the Wisconsin Business Corporation Law, directors and officers of the Company are entitled to mandatory
indemnification from the Company against certain liabilities (which may include liabilities under the Securities Act) and expenses: (i)&nbsp;to the extent such officers or directors are successful in the defense of a proceeding; and (ii)&nbsp;in
proceedings in which the director or officer is not successful in defense thereof, unless it is determined that the director or officer breached or failed to perform his or her duties to the Company and such breach or failure constituted (a)&nbsp;a
willful failure to deal fairly with the Company or its shareholders in connection with a matter in which the director or officer had a material conflict of interest; (b)&nbsp;a violation of criminal law unless the director or officer had a
reasonable cause to believe his or her conduct was lawful or had no reasonable cause to believe his or her conduct was unlawful; (c)&nbsp;a transaction from which the director or officer derived an improper personal profit; or (d)&nbsp;willful
misconduct. Additionally, under the Wisconsin Business Corporation Law, directors of the Company are not subject to personal liability to the Company, its shareholders or any person asserting rights on behalf thereof, for certain breaches or
failures to perform any duty resulting solely from their status as directors, except in circumstances paralleling those outlined in (a)&nbsp;through (d) above. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company&#146;s <FONT STYLE="white-space:nowrap">by-laws</FONT> provide for indemnification and advancement of expenses of officers and
directors to the fullest extent provided by the Wisconsin Business Corporation Law. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The indemnification provided by the Wisconsin
Business Corporation Law and the Company&#146;s <FONT STYLE="white-space:nowrap">by-laws</FONT> is not exclusive of any other rights to which a director or officer of the Company may be entitled. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company maintains an insurance policy, which indemnifies its and its subsidiaries&#146; officers and directors against certain
liabilities. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">II-1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="10%" VALIGN="top" ALIGN="left"><B>Item&#8201;16.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>Exhibits and Financial Statement Schedules. </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The exhibits listed in the accompanying Exhibit Index are filed or incorporated by reference as part of this Registration Statement. </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="10%" VALIGN="top" ALIGN="left"><B>Item&#8201;17.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>Undertakings. </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The undersigned registrant hereby undertakes: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) To file, during any period in which offers or sales are being made, a post-effective amendment to this registration
statement: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) To include any prospectus required by Section&nbsp;10(a)(3) of the Securities Act; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) To reflect in the prospectus any facts or events arising after the effective date of the registration statement (or the
most recent post-effective amendment thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in the registration statement. Notwithstanding the foregoing, any increase or decrease in volume of
securities offered (if the total dollar value of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated maximum offering range may be reflected in the form of prospectus filed with
the Securities and Exchange Commission (the &#147;Commission&#148;) pursuant to Rule 424(b) if, in the aggregate, the changes in volume and price represent no more than a 20% change in the maximum aggregate offering price set forth in the
&#147;Calculation of Filing Fee Tables&#148; in the effective registration statement; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) To include any material
information with respect to the plan of distribution not previously disclosed in the registration statement or any material change to such information in the registration statement; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><I>provided, however</I>, that paragraphs (1)(i), (1)(ii) and (1)(iii) do not apply if the information required to be included in a
post-effective amendment by those paragraphs is contained in reports filed with or furnished to the Commission by the registrant pursuant to Section&nbsp;13 or Section&nbsp;15(d) of the Securities Exchange Act of 1934, as amended (the &#147;Exchange
Act&#148;) that are incorporated by reference in the registration statement, or is contained in a form of prospectus filed pursuant to Rule 424(b) that is part of the registration statement. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) That, for the purpose of determining any liability under the Securities Act, each such post-effective amendment shall be
deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) To remove from registration by means of a post-effective amendment any of the securities being registered which remain
unsold at the termination of the offering. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(4) That, for the purpose of determining liability under the Securities Act to
any purchaser: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) Each prospectus filed by the registrant pursuant to Rule 424(b)(3) shall be deemed to be part of the
registration statement as of the date the filed prospectus was deemed part of and included in the registration statement; and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) Each prospectus required to be filed pursuant to Rule 424(b)(2), (b)(5) or (b)(7) as part of a registration statement in
reliance on Rule 430B relating to an offering made pursuant to Rule 415(a)(1)(i), (vii) or (x)&nbsp;for the purpose of providing the information required by Section&nbsp;10(a) of the Securities Act shall be deemed to be part of and included in the
registration statement as of the earlier of the date such form of prospectus is first used after effectiveness or the date of the first contract of sale of securities in the offering described in the prospectus. As provided in Rule 430B, for
liability purposes of the issuer and any person that is at that date an underwriter, such date shall be deemed to be a new effective date of the registration statement relating to the securities in the registration statement to which that prospectus
relates, and the offering of such securities at that time shall be </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">II-2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">
deemed to be the initial bona fide offering thereof. <I>Provided, however,</I> that no statement made in a registration statement or prospectus that is part of the registration statement or made
in a document incorporated or deemed incorporated by reference into the registration statement or prospectus that is part of the registration statement will, as to a purchaser with a time of contract of sale prior to such effective date, supersede
or modify any statement that was made in the registration statement or prospectus that was part of the registration statement or made in any such document immediately prior to such effective date. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(5) That, for the purpose of determining liability of the registrant under the Securities Act to any purchaser in the initial
distribution of the securities, the undersigned registrant undertakes that in a primary offering of securities of the undersigned registrant pursuant to this registration statement, regardless of the underwriting method used to sell the securities
to the purchaser, if the securities are offered or sold to such purchaser by means of any of the following communications, the undersigned registrant will be a seller to the purchaser and will be considered to offer or sell such securities to such
purchaser: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) Any preliminary prospectus or prospectus of the undersigned registrant relating to the offering required to
be filed pursuant to Rule 424; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) Any free writing prospectus relating to the offering prepared by or on behalf of the
undersigned registrant or used or referred to by the undersigned registrant; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) The portion of any other free writing
prospectus relating to the offering containing material information about the undersigned registrant or its securities provided by or on behalf of the undersigned registrant; and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv) Any other communication that is an offer in the offering made by the undersigned registrant to the purchaser. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The undersigned registrant hereby undertakes that, for purposes of determining any liability under the Securities Act, each filing of the
registrant&#146;s annual report pursuant to Section&nbsp;13(a) or Section&nbsp;15(d) of the Exchange Act (and, where applicable, each filing of an employee benefit plan&#146;s annual report pursuant to Section&nbsp;15(d) of the Exchange Act) that is
incorporated by reference in the registration statement shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide
offering thereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Insofar as indemnification for liabilities arising under the Securities Act may be permitted to directors, officers and
controlling persons of the registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that in the opinion of the Commission such indemnification is against public policy as expressed in the Securities Act and is,
therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer or controlling person of the registrant in the successful
defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the registrant will, unless in the opinion of its counsel the issue has been settled by
controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Securities Act and will be governed by the final adjudication of such issue. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The undersigned registrant hereby undertakes to file an application for the purpose of determining the eligibility of the trustee to act under
subsection (a)&nbsp;of Section&nbsp;310 of the Trust Indenture Act (&#147;Act&#148;) in accordance with the rules and regulations prescribed by the Commission under Section&nbsp;305(b)(2) of the Act. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">II-3 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>EXHIBIT INDEX </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD></TD>

<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD WIDTH="91%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; " ALIGN="center">Exhibit<BR>Number</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; " ALIGN="center">Document Description</P></TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>(1)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Underwriting Agreement.*</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>(4.1)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/798354/000119312518061085/d640937dex32.htm">Restated Articles of Incorporation (filed as Exhibit 3.2 to the Company&#146;s Current Report on Form <FONT STYLE="white-space:nowrap">8-K</FONT> filed
 on February<U></U>&nbsp;27, 2018 and incorporated herein by reference).</A></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>(4.2)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/798354/000119312522290040/d606620dex31.htm">Amended and Restated <FONT STYLE="white-space:nowrap">By-laws</FONT> (filed as Exhibit 3.1 to the Company&#146;s Current Report on Form <FONT
STYLE="white-space:nowrap">8-K</FONT> filed on November<U></U>&nbsp;21, 2022 and incorporated herein by reference).</A></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>(4.3)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/0000798354/000119312507244247/dex48.htm">Form of Indenture by and among Fiserv, Inc., the guarantors named therein and U.S. Bank Trust Company, National Association (as successor in interest
 to U.S. Bank National Association) (filed as Exhibit 4.8 to the Company&#146;s Registration Statement on Form <FONT STYLE="white-space:nowrap">S-3</FONT> filed on November<U></U>&nbsp;13, 2007 and incorporated herein by reference).</A></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>(4.4)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/0000798354/000119312507244247/dex48.htm">Form of Senior Debt Securities (included in Exhibit 4.3).</A></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>(4.5)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Deposit Agreement.*</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>(4.6)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Depositary Receipt.*</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>(4.7)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Warrant.*</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>(4.8)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Warrant Agreement.*</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>(4.9)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Purchase Contract.*</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>(4.10)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Unit Agreement.*</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>(4.11)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Unit Certificate.*</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>(5)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="d736421dex5.htm">Opinion of Foley&nbsp;&amp; Lardner LLP. </A></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>(23.1)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="d736421dex5.htm">Consent of Foley&nbsp;&amp; Lardner LLP (filed as part of Exhibit (5)). </A></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>(23.2)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="d736421dex232.htm">Consent of Deloitte&nbsp;&amp; Touche LLP. </A></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>(24)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="d736421dex24.htm">Powers of Attorney of Directors of Fiserv, Inc. </A></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>(25)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="d736421dex25.htm">Form <FONT STYLE="white-space:nowrap">T-1</FONT> Statement of Eligibility of Trustee under the Indenture. </A></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>(107)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="d736421dexfilingfees.htm">Filing Fee Table. </A></TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">*</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">If required, to be filed by amendment or as an exhibit to a subsequent Current Report on Form <FONT
STYLE="white-space:nowrap">8-K</FONT> and incorporated herein by reference. </P></TD></TR></TABLE>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SIGNATURES </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to the requirements of the Securities Act of 1933, the Registrant certifies that it has reasonable grounds to believe that it meets
all of the requirements for filing on Form <FONT STYLE="white-space:nowrap">S-3</FONT> and has duly caused this Registration Statement to be signed on its behalf by the undersigned, thereunto duly authorized, in the City of Brookfield, State of
Wisconsin, on February&nbsp;22, 2024. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="7%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="92%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">FISERV, INC.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Frank J. Bisignano</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Frank J. Bisignano</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">President and Chief Executive Officer</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to the requirements of the Securities Act of 1933, this Registration Statement has been signed
by the following persons in the capacities set forth below on February&nbsp;22, 2024. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="47%"></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; " ALIGN="center">Signature</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; " ALIGN="center">Title</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Frank J. Bisignano</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Frank J. Bisignano</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Chairman, President and Chief Executive Officer (Principal Executive Officer)</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Robert W. Hau</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Robert W. Hau</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Chief Financial Officer</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">(Principal Financial Officer)</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Kenneth F. Best</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Kenneth F. Best</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Chief Accounting Officer</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">(Principal Accounting Officer)</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman" ALIGN="center">*</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" align="left">Henrique De Castro</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Director</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman" ALIGN="center">*</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" align="left">Harry F. DiSimone</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Director</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman" ALIGN="center">*</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" align="left">Lance M. Fritz</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Director</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman" ALIGN="center">*</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" align="left">Dylan G. Haggart</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Director</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman" ALIGN="center">*</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" align="left">Wafaa Mamilli</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Director</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman" ALIGN="center">*</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" align="left">Heidi G. Miller</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Director</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman" ALIGN="center">*</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" align="left">Doyle R. Simons</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Director</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman" ALIGN="center">*</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" align="left">Kevin M. Warren</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Director</P></TD></TR></TABLE>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="47%"></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; " ALIGN="center">Signature</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; " ALIGN="center">Title</P></TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman" ALIGN="center">*</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" align="left">Charlotte Yarkoni</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Director</TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="10%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="89%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">*By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Robert W. Hau</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Robert W. Hau</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Attorney-in-fact</FONT></FONT></TD></TR>
</TABLE>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-5
<SEQUENCE>2
<FILENAME>d736421dex5.htm
<DESCRIPTION>EX-5
<TEXT>
<HTML><HEAD>
<TITLE>EX-5</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE" STYLE="line-height:Normal">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 5 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="35%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="31%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">


<IMG SRC="g736421dsp32.jpg" ALT="LOGO">
</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>ATTORNEYS AT LAW</B></P> <P STYLE="font-size:6pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">777 EAST WISCONSIN AVENUE</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MILWAUKEE, WI 53202-5306</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">414.271.2400 TEL</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">414.297.4900 FAX</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">WWW.FOLEY.COM</P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">February&nbsp;22, 2024 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Fiserv, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">255 Fiserv Drive </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Brookfield, Wisconsin 53045 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Ladies and Gentlemen: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">We have acted as counsel for Fiserv, Inc., a Wisconsin corporation (the &#147;Company&#148;), in connection with the preparation of a
Registration Statement on <FONT STYLE="white-space:nowrap">Form&nbsp;S-3</FONT> (the &#147;Registration Statement&#148;), including the prospectus constituting a part thereof (the &#147;Prospectus&#148;), to be filed with the Securities and Exchange
Commission (the &#147;SEC&#148;) under the Securities Act of 1933, as amended (the &#147;Securities Act&#148;), relating to the issuance and sale by the Company from time to time of an indeterminate amount of: (i)&nbsp;debt securities of the Company
(the &#147;Debt Securities&#148;); (ii)&nbsp;shares of the Company&#146;s common stock, $.01 par value per share (the &#147;Common Stock&#148;); (iii)&nbsp;shares of the Company&#146;s preferred stock, no par value (the &#147;Preferred Stock&#148;),
which may be issued in the form of depositary shares evidenced by depositary receipts (the &#147;Depositary Shares&#148;) representing fractional interests of the shares of Preferred Stock; (iv)&nbsp;warrants to purchase Common Stock, Preferred
Stock, Depositary Shares, Debt Securities or other securities of the Company (the &#147;Warrants&#148;); (v)&nbsp;contracts for the purchase or sale of Debt Securities, Preferred Stock or Common Stock or securities of third parties including any of
the Company&#146;s affiliates, a basket of such securities, an index or indices of such securities or any combination of the above (the &#147;Purchase Contracts&#148;); and (vi)&nbsp;units consisting of one or more Debt Securities or other
securities (the &#147;Units&#148; and, together with the Debt Securities, the Common Stock, the Preferred Stock, the Depositary Shares, the Warrants and the Purchase Contracts, the &#147;Securities&#148;). The Prospectus provides that it will be
supplemented in the future by one or more supplements to such Prospectus and/or other offering material (each, a &#147;Prospectus Supplement&#148;). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">As counsel to the Company in connection with the proposed issuance and sale of the Securities, we have examined: (i)&nbsp;the Registration
Statement, including the Prospectus, and the exhibits (including those incorporated by reference) constituting a part of the Registration Statement; (ii)&nbsp;the Company&#146;s Restated Articles of Incorporation and Amended and Restated By-laws,
each as amended to date; (iii)&nbsp;the Indenture, dated as of November&nbsp;20, 2007, as supplemented, among the Company, the guarantors listed and defined therein and U.S. Bank Trust Company, National Association (as successor in interest to U.S.
Bank National Association), as trustee, for the issuance of Debt Securities (the &#147;Indenture&#148;); and (iv)&nbsp;such other proceedings, documents and records as we have deemed necessary to enable us to render this opinion. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="23%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="19%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="19%"></TD>

<TD VALIGN="bottom"></TD>
<TD WIDTH="17%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="16%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUSTIN</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BOSTON</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CHICAGO</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DALLAS</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">DENVER</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DETROIT</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HOUSTON</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JACKSONVILLE </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">LOS ANGELES</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">MADISON</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MEXICO CITY</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MIAMI</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MILWAUKEE </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">NEW YORK</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">ORLANDO </P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SACRAMENTO</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SALT LAKE CITY</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SAN DIEGO</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SAN FRANCISCO</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">SILICON VALLEY</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TALLAHASSEE </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TAMPA </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WASHINGTON, D.C.</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BRUSSELS</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">TOKYO</P></TD></TR>
</TABLE>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

 <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt;margin-bottom:0pt">


<IMG SRC="g736421dsp32.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Fiserv, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">February 22,
2024 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Page 2 </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">In our examination of the above-referenced documents, we have assumed the genuineness of all
signatures, the authenticity of all documents, certificates and instruments submitted to us as originals and the conformity with the originals of all documents submitted to us as copies. We have also assumed that (i)&nbsp;the Registration Statement,
and any amendments thereto (including post-effective amendments), will comply with all applicable laws; (ii)&nbsp;a Prospectus Supplement, if required, will have been prepared and filed with the SEC describing the Securities offered thereby;
(iii)&nbsp;all Securities will be issued and sold in compliance with applicable federal and state securities laws and in the manner stated in the Registration Statement and any applicable Prospectus Supplement; (iv)&nbsp;any supplemental indenture
to the Indenture setting forth the terms of a series of Debt Securities to be issued under the Indenture will be duly authorized, executed and delivered by the parties thereto in substantially the form reviewed by us; (v)&nbsp;a definitive purchase,
underwriting or similar agreement with respect to any Securities offered will have been duly authorized and validly executed and delivered by the Company and the other parties thereto; (vi)&nbsp;any Securities issuable upon conversion, exchange or
exercise of any Security being offered will have been duly authorized, created and, if appropriate, reserved for issuance upon such conversion, exchange or exercise; (vii)&nbsp;with respect to shares of Common Stock or Preferred Stock offered, there
will be sufficient shares of Common Stock or Preferred Stock authorized under the Company&#146;s Restated Articles of Incorporation, as amended, and not otherwise reserved for issuance; and (viii)&nbsp;the deposit agreement, to be entered into
between the Company and the depositary named therein (the &#147;Depositary&#148;) and from which the Depositary Shares will be issued (the &#147;Depositary Agreement&#148;), will be duly authorized, executed and delivered by the parties thereto in
substantially the form reviewed by us. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Based upon and subject to the foregoing and the other matters set forth herein, and having regard
for such legal considerations as we deem relevant, we are of the opinion that: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">1. All requisite action necessary to make any Debt
Securities valid, legal and binding obligations of the Company, subject to (i)&nbsp;bankruptcy, insolvency, reorganization, fraudulent transfer, fraudulent conveyance, moratorium and other similar laws of general application affecting the rights and
remedies of creditors and (ii)&nbsp;general principles of equity, regardless of whether applied in a proceeding in equity or at law, shall have been taken when: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">a. The Company&#146;s Board of Directors, or a committee thereof or one or more officers of the Company, in each case duly
authorized by the Board of Directors, shall have taken action to establish the terms of such Debt Securities and to authorize the issuance and sale of such Debt Securities; </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

 <P STYLE="margin-top:0pt;margin-bottom:0pt">


<IMG SRC="g736421dsp32.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Fiserv, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">February 22,
2024 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Page 3 </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">b. The terms of such Debt Securities and of their issuance and sale shall
have been established in conformity with the Indenture so as not to violate any applicable law or result in a default under or breach of any agreement or instrument binding upon the Company and so as to comply with any requirements or restrictions
imposed by any court or governmental entity having jurisdiction over the Company; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">c. Such Debt Securities shall have been
duly executed, authenticated and delivered in accordance with the terms and provisions of the Indenture; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">d. Such Debt
Securities shall have been issued and sold for the consideration contemplated by, and otherwise in conformity with, the Registration Statement, as supplemented by a Prospectus Supplement with respect to such issuance and sale, and the acts,
proceedings and documents referred to above. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">2. All requisite action necessary to make any shares of Common Stock validly issued, fully
paid and nonassessable will have been taken when: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">a. The Company&#146;s Board of Directors, or a committee thereof duly
authorized by the Board of Directors, shall have adopted appropriate resolutions to authorize the issuance and sale of the Common Stock; and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">b. Such shares of Common Stock shall have been issued and sold for the consideration contemplated by, and otherwise in
conformity with, the Registration Statement, as supplemented by a Prospectus Supplement with respect to such issuance and sale, and the acts, proceedings and documents referred to above. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3. All requisite action necessary to make any shares of Preferred Stock validly issued, fully paid and nonassessable will have been taken
when: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">a. The Company&#146;s Board of Directors, or a committee thereof duly authorized by the Board of Directors, shall
have adopted appropriate resolutions to establish the powers, designations, preferences and relative, participating, optional or other rights, if any, or the qualifications, limitations or restrictions, if any, and other terms of such shares as set
forth in or contemplated by the Registration Statement, the exhibits thereto and any Prospectus Supplement relating to the Preferred Stock, and to authorize the issuance and sale of such shares of Preferred Stock; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">b. Articles of Amendment to the Restated Articles of Incorporation, as amended, with respect to the powers, designations,
preferences and relative, participating, optional or other rights, if any, or the qualifications, limitations or restrictions, if any, and other terms of such shares shall have been filed with the Department of Financial Institutions of the State of
Wisconsin in the form and manner required by law; and </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

 <P STYLE="margin-top:0pt;margin-bottom:0pt">


<IMG SRC="g736421dsp32.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Fiserv, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">February 22,
2024 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Page 4 </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">c. Such shares of Preferred Stock shall have been issued and sold for the
consideration contemplated by, and otherwise in conformity with, the Registration Statement, as supplemented by a Prospectus Supplement with respect to such issuance and sale, and the acts, proceedings and documents referred to above. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4. All requisite action necessary to make any depositary receipts evidencing the Depositary Shares constitute valid, legal and binding
obligations of the Company, subject to (i)&nbsp;bankruptcy, insolvency, reorganization, fraudulent transfer, fraudulent conveyance, moratorium and other similar laws of general application affecting the rights and remedies of creditors and
(ii)&nbsp;general principles of equity, regardless of whether applied in a proceeding in equity or at law, shall have been taken when: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">a. The Company&#146;s Board of Directors, or a committee thereof duly authorized by the Board of Directors, shall have adopted
appropriate resolutions to establish the powers, designations, preferences and relative, participating, optional or other rights, if any, or the qualifications, limitations or restrictions, if any, and other terms of the shares of Preferred Stock
underlying the Depositary Shares as set forth in or contemplated by the Registration Statement, the exhibits thereto and any Prospectus Supplement relating to such Preferred Stock, and to authorize the issuance of such shares of Preferred Stock;
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">b. Articles of Amendment to the Company&#146;s Restated Articles of Incorporation with respect to the powers,
designations, preferences and relative, participating, optional or other rights, if any, or the qualifications, limitations or restrictions, if any, and other terms of the Preferred Stock underlying the Depositary Shares shall have been filed with
the Department of Financial Institutions of the State of Wisconsin in the form and manner required by law; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">c. The
Company&#146;s Board of Directors, or a committee thereof or one or more officers of the Company, in each case duly authorized by the Board of Directors, shall have taken action to approve and establish the terms of the Depositary Agreement and such
Depositary Agreement shall have been duly executed and delivered; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">d. The Preferred Stock underlying the Depositary Shares
shall have been duly issued and delivered to the Depositary; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">e. The terms of such Depositary Shares and depositary
receipts evidencing the Depositary Shares and of their issuance and sale shall have been established so as not to violate any applicable law or result in a default under or breach of any agreement or instrument binding upon the Company and so as to
comply with any requirements or restrictions imposed by any court or governmental entity having jurisdiction over the Company; </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

 <P STYLE="margin-top:0pt;margin-bottom:0pt">


<IMG SRC="g736421dsp32.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Fiserv, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">February 22,
2024 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Page 5 </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">f. Such Depositary Shares and depositary receipts evidencing the Depositary
Shares shall have been duly executed, issued and delivered in accordance with the Depositary Agreement and their respective terms and provisions; and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">g. Such Depositary Shares and depositary receipts evidencing the Depositary Shares shall have been issued and sold for the
consideration contemplated by, and otherwise in conformity with, the Registration Statement, as supplemented by a Prospectus Supplement with respect to such issuance and sale, and the acts, proceedings and documents referred to above. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5. All requisite action necessary to make any Warrants valid, legal and binding obligations of the Company, subject to (i)&nbsp;bankruptcy,
insolvency, reorganization, fraudulent transfer, fraudulent conveyance, moratorium and other similar laws of general application affecting the rights and remedies of creditors and (ii)&nbsp;general principles of equity, regardless of whether applied
in a proceeding in equity or at law, shall have been taken when: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">a. The Company&#146;s Board of Directors, or a committee
thereof or one or more officers of the Company, in each case duly authorized by the Board of Directors, shall have taken action to approve and establish the terms and form of the Warrants and the documents, including any Warrant agreements,
evidencing and used in connection with the issuance and sale of the Warrants, and to authorize the issuance and sale of such Warrants; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">b. The terms of such Warrants and of their issuance and sale shall have been established so as not to violate any applicable
law or result in a default under or breach of any agreement or instrument binding upon the Company and so as to comply with any requirements or restrictions imposed by any court or governmental entity having jurisdiction over the Company; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">c. Any such Warrant agreements shall have been duly executed and delivered; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">d. Such Warrants shall have been duly executed and delivered in accordance with the terms and provisions of the applicable
Warrant agreement; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">e. Such Warrants shall have been issued and sold for the consideration contemplated by, and
otherwise in conformity with, the Registration Statement, as supplemented by a Prospectus Supplement with respect to such issuance and sale, and the acts, proceedings and documents referred to above. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

 <P STYLE="margin-top:0pt;margin-bottom:0pt">


<IMG SRC="g736421dsp32.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Fiserv, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">February 22,
2024 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Page 6 </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">6. All requisite action necessary to make any Purchase Contracts and Units valid, legal and
binding obligations of the Company, subject to (i)&nbsp;bankruptcy, insolvency, reorganization, fraudulent transfer, fraudulent conveyance, moratorium and other similar laws of general application affecting the rights and remedies of creditors and
(ii)&nbsp;general principles of equity, regardless of whether applied in a proceeding in equity or at law, shall have been taken when: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">a. The Company&#146;s Board of Directors, or a committee thereof or one or more officers of the Company, in each case duly
authorized by the Board of Directors, shall have taken action to approve and establish the terms of the Purchase Contracts and the documents evidencing and used in connection with the issuance and sale of the Units, and to authorize the issuance and
sale of such Purchase Contracts and Units; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">b. The terms of such Purchase Contracts and Units and of their issuance and
sale have been established so as not to violate any applicable law or result in a default under or breach of any agreement or instrument binding upon the Company and so as to comply with any requirements or restrictions imposed by any court or
governmental entity having jurisdiction over the Company; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">c. Such Purchase Contracts and Units shall have been duly
executed and delivered in accordance with their respective terms and provisions; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">d. Such Purchase Contracts and Units
shall have been issued and sold for the consideration contemplated by, and otherwise in conformity with, the Registration Statement, as supplemented by a Prospectus Supplement with respect to such issuance and sale, and the acts, proceedings and
documents referred to above. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">We express no opinion as to the laws of any jurisdiction other than the States of Wisconsin and New York and
the federal laws of the United States. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">We hereby consent to the reference to our firm under the caption &#147;Legal Matters&#148; in the
Prospectus which is filed as part of the Registration Statement, and to the filing of this opinion as an exhibit to the Registration Statement. In giving this consent, we do not admit that we are &#147;experts&#148; within the meaning of
Section&nbsp;11 of the Securities Act or within the category of persons whose consent is required by Section&nbsp;7 of the Securities Act. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Very truly yours,</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">/s/ Foley&nbsp;&amp; Lardner LLP</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Foley&nbsp;&amp; Lardner LLP</TD></TR>
</TABLE></DIV>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.2
<SEQUENCE>3
<FILENAME>d736421dex232.htm
<DESCRIPTION>EX-23.2
<TEXT>
<HTML><HEAD>
<TITLE>EX-23.2</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE" STYLE="line-height:Normal">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 23.2 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We consent to the incorporation by reference in this Registration Statement on <FONT STYLE="white-space:nowrap">Form&nbsp;S-3&nbsp;of</FONT> our reports dated
February&nbsp;22, 2024, relating to the consolidated financial statements of Fiserv, Inc. and subsidiaries and the effectiveness of Fiserv, Inc.&#146;s internal control over financial reporting, appearing in the Annual Report on Form <FONT
STYLE="white-space:nowrap">10-K&nbsp;of</FONT> Fiserv, Inc. for the year ended December&nbsp;31, 2023. We also consent to the reference to us under the heading &#147;Experts&#148; in such Registration Statement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">/s/ Deloitte&nbsp;&amp; Touche LLP </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Milwaukee, Wisconsin </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">February&nbsp;22, 2024 </P>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-24
<SEQUENCE>4
<FILENAME>d736421dex24.htm
<DESCRIPTION>EX-24
<TEXT>
<HTML><HEAD>
<TITLE>EX-24</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE" STYLE="line-height:Normal">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 24 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>POWER OF ATTORNEY </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">KNOW
ALL PERSONS BY THESE PRESENTS, that the undersigned constitutes and appoints Frank J. Bisignano, Robert W. Hau and Eric C. Nelson, and each of them individually (so long as each individual is an officer of Fiserv, Inc.), as the undersigned&#146;s
true and lawful <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorney-in-fact</FONT></FONT> and agent, with full power of substitution and resubstitution, for the undersigned and in the undersigned&#146;s name, place and stead,
in any and all capacities, to sign the undersigned&#146;s name as a director of Fiserv, Inc. to the Registration Statement on Form <FONT STYLE="white-space:nowrap">S-3</FONT> relating to the registration of various securities by Fiserv, Inc. and any
amendments (including post-effective amendments) or supplements thereto and to file the same, with all exhibits thereto, and other documents in connection therewith, with the Securities and Exchange Commission under the Securities Act of 1933, as
amended, granting unto said <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorney-in-fact</FONT></FONT> and agent, full power and authority to do and perform each and every act and thing requisite and necessary to be done in and
about the premises, as fully to all intents and purposes as the undersigned might or could do in person, hereby ratifying and confirming all that said <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorney-in-fact</FONT></FONT>
and agent, or any substitute, may lawfully do or cause to be done by virtue hereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, the undersigned has executed this
Power of Attorney as of February&nbsp;21, 2024. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">/s/ Henrique De Castro</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Henrique De Castro</P></TD></TR>
</TABLE></DIV>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>POWER OF ATTORNEY </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned constitutes and appoints Frank J. Bisignano, Robert W. Hau and Eric C. Nelson, and
each of them individually (so long as each individual is an officer of Fiserv, Inc.), as the undersigned&#146;s true and lawful <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorney-in-fact</FONT></FONT> and agent, with full
power of substitution and resubstitution, for the undersigned and in the undersigned&#146;s name, place and stead, in any and all capacities, to sign the undersigned&#146;s name as a director of Fiserv, Inc. to the Registration Statement on Form <FONT
STYLE="white-space:nowrap">S-3</FONT> relating to the registration of various securities by Fiserv, Inc. and any amendments (including post-effective amendments) or supplements thereto and to file the same, with all exhibits thereto, and other
documents in connection therewith, with the Securities and Exchange Commission under the Securities Act of 1933, as amended, granting unto said <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorney-in-fact</FONT></FONT> and
agent, full power and authority to do and perform each and every act and thing requisite and necessary to be done in and about the premises, as fully to all intents and purposes as the undersigned might or could do in person, hereby ratifying and
confirming all that said <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorney-in-fact</FONT></FONT> and agent, or any substitute, may lawfully do or cause to be done by virtue hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, the undersigned has executed this Power of Attorney as of February&nbsp;21, 2024. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">/s/ Harry F. DiSimone</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Harry F. DiSimone</P></TD></TR>
</TABLE></DIV>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>POWER OF ATTORNEY </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned constitutes and appoints Frank J. Bisignano, Robert W. Hau and Eric C. Nelson, and
each of them individually (so long as each individual is an officer of Fiserv, Inc.), as the undersigned&#146;s true and lawful <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorney-in-fact</FONT></FONT> and agent, with full
power of substitution and resubstitution, for the undersigned and in the undersigned&#146;s name, place and stead, in any and all capacities, to sign the undersigned&#146;s name as a director of Fiserv, Inc. to the Registration Statement on Form <FONT
STYLE="white-space:nowrap">S-3</FONT> relating to the registration of various securities by Fiserv, Inc. and any amendments (including post-effective amendments) or supplements thereto and to file the same, with all exhibits thereto, and other
documents in connection therewith, with the Securities and Exchange Commission under the Securities Act of 1933, as amended, granting unto said <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorney-in-fact</FONT></FONT> and
agent, full power and authority to do and perform each and every act and thing requisite and necessary to be done in and about the premises, as fully to all intents and purposes as the undersigned might or could do in person, hereby ratifying and
confirming all that said <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorney-in-fact</FONT></FONT> and agent, or any substitute, may lawfully do or cause to be done by virtue hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, the undersigned has executed this Power of Attorney as of February&nbsp;21, 2024. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">/s/ Lance M. Fritz</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Lance M. Fritz</P></TD></TR>
</TABLE></DIV>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>POWER OF ATTORNEY </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned constitutes and appoints Frank J. Bisignano, Robert W. Hau and Eric C. Nelson, and
each of them individually (so long as each individual is an officer of Fiserv, Inc.), as the undersigned&#146;s true and lawful <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorney-in-fact</FONT></FONT> and agent, with full
power of substitution and resubstitution, for the undersigned and in the undersigned&#146;s name, place and stead, in any and all capacities, to sign the undersigned&#146;s name as a director of Fiserv, Inc. to the Registration Statement on Form <FONT
STYLE="white-space:nowrap">S-3</FONT> relating to the registration of various securities by Fiserv, Inc. and any amendments (including post-effective amendments) or supplements thereto and to file the same, with all exhibits thereto, and other
documents in connection therewith, with the Securities and Exchange Commission under the Securities Act of 1933, as amended, granting unto said <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorney-in-fact</FONT></FONT> and
agent, full power and authority to do and perform each and every act and thing requisite and necessary to be done in and about the premises, as fully to all intents and purposes as the undersigned might or could do in person, hereby ratifying and
confirming all that said <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorney-in-fact</FONT></FONT> and agent, or any substitute, may lawfully do or cause to be done by virtue hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, the undersigned has executed this Power of Attorney as of February&nbsp;21, 2024. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">/s/ Dylan G. Haggart</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Dylan G. Haggart</P></TD></TR>
</TABLE></DIV>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>POWER OF ATTORNEY </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned constitutes and appoints Frank J. Bisignano, Robert W. Hau and Eric C. Nelson, and
each of them individually (so long as each individual is an officer of Fiserv, Inc.), as the undersigned&#146;s true and lawful <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorney-in-fact</FONT></FONT> and agent, with full
power of substitution and resubstitution, for the undersigned and in the undersigned&#146;s name, place and stead, in any and all capacities, to sign the undersigned&#146;s name as a director of Fiserv, Inc. to the Registration Statement on Form <FONT
STYLE="white-space:nowrap">S-3</FONT> relating to the registration of various securities by Fiserv, Inc. and any amendments (including post-effective amendments) or supplements thereto and to file the same, with all exhibits thereto, and other
documents in connection therewith, with the Securities and Exchange Commission under the Securities Act of 1933, as amended, granting unto said <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorney-in-fact</FONT></FONT> and
agent, full power and authority to do and perform each and every act and thing requisite and necessary to be done in and about the premises, as fully to all intents and purposes as the undersigned might or could do in person, hereby ratifying and
confirming all that said <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorney-in-fact</FONT></FONT> and agent, or any substitute, may lawfully do or cause to be done by virtue hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, the undersigned has executed this Power of Attorney as of February&nbsp;21, 2024. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">/s/ Wafaa Mamilli</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Wafaa Mamilli</P></TD></TR>
</TABLE></DIV>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>POWER OF ATTORNEY </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned constitutes and appoints Frank J. Bisignano, Robert W. Hau and Eric C. Nelson, and
each of them individually (so long as each individual is an officer of Fiserv, Inc.), as the undersigned&#146;s true and lawful <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorney-in-fact</FONT></FONT> and agent, with full
power of substitution and resubstitution, for the undersigned and in the undersigned&#146;s name, place and stead, in any and all capacities, to sign the undersigned&#146;s name as a director of Fiserv, Inc. to the Registration Statement on Form <FONT
STYLE="white-space:nowrap">S-3</FONT> relating to the registration of various securities by Fiserv, Inc. and any amendments (including post-effective amendments) or supplements thereto and to file the same, with all exhibits thereto, and other
documents in connection therewith, with the Securities and Exchange Commission under the Securities Act of 1933, as amended, granting unto said <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorney-in-fact</FONT></FONT> and
agent, full power and authority to do and perform each and every act and thing requisite and necessary to be done in and about the premises, as fully to all intents and purposes as the undersigned might or could do in person, hereby ratifying and
confirming all that said <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorney-in-fact</FONT></FONT> and agent, or any substitute, may lawfully do or cause to be done by virtue hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, the undersigned has executed this Power of Attorney as of February&nbsp;21, 2024. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">/s/ Heidi G. Miller</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Heidi G. Miller</P></TD></TR>
</TABLE></DIV>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>POWER OF ATTORNEY </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned constitutes and appoints Frank J. Bisignano, Robert W. Hau and Eric C. Nelson, and
each of them individually (so long as each individual is an officer of Fiserv, Inc.), as the undersigned&#146;s true and lawful <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorney-in-fact</FONT></FONT> and agent, with full
power of substitution and resubstitution, for the undersigned and in the undersigned&#146;s name, place and stead, in any and all capacities, to sign the undersigned&#146;s name as a director of Fiserv, Inc. to the Registration Statement on Form <FONT
STYLE="white-space:nowrap">S-3</FONT> relating to the registration of various securities by Fiserv, Inc. and any amendments (including post-effective amendments) or supplements thereto and to file the same, with all exhibits thereto, and other
documents in connection therewith, with the Securities and Exchange Commission under the Securities Act of 1933, as amended, granting unto said <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorney-in-fact</FONT></FONT> and
agent, full power and authority to do and perform each and every act and thing requisite and necessary to be done in and about the premises, as fully to all intents and purposes as the undersigned might or could do in person, hereby ratifying and
confirming all that said <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorney-in-fact</FONT></FONT> and agent, or any substitute, may lawfully do or cause to be done by virtue hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, the undersigned has executed this Power of Attorney as of February&nbsp;21, 2024. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">/s/ Doyle R. Simons</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Doyle R. Simons</P></TD></TR>
</TABLE></DIV>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>POWER OF ATTORNEY </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned constitutes and appoints Frank J. Bisignano, Robert W. Hau and Eric C. Nelson, and
each of them individually (so long as each individual is an officer of Fiserv, Inc.), as the undersigned&#146;s true and lawful <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorney-in-fact</FONT></FONT> and agent, with full
power of substitution and resubstitution, for the undersigned and in the undersigned&#146;s name, place and stead, in any and all capacities, to sign the undersigned&#146;s name as a director of Fiserv, Inc. to the Registration Statement on Form <FONT
STYLE="white-space:nowrap">S-3</FONT> relating to the registration of various securities by Fiserv, Inc. and any amendments (including post-effective amendments) or supplements thereto and to file the same, with all exhibits thereto, and other
documents in connection therewith, with the Securities and Exchange Commission under the Securities Act of 1933, as amended, granting unto said <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorney-in-fact</FONT></FONT> and
agent, full power and authority to do and perform each and every act and thing requisite and necessary to be done in and about the premises, as fully to all intents and purposes as the undersigned might or could do in person, hereby ratifying and
confirming all that said <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorney-in-fact</FONT></FONT> and agent, or any substitute, may lawfully do or cause to be done by virtue hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, the undersigned has executed this Power of Attorney as of February&nbsp;21, 2024. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">/s/ Kevin M. Warren</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Kevin M. Warren</P></TD></TR>
</TABLE></DIV>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>POWER OF ATTORNEY </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned constitutes and appoints Frank J. Bisignano, Robert W. Hau and Eric C. Nelson, and
each of them individually (so long as each individual is an officer of Fiserv, Inc.), as the undersigned&#146;s true and lawful <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorney-in-fact</FONT></FONT> and agent, with full
power of substitution and resubstitution, for the undersigned and in the undersigned&#146;s name, place and stead, in any and all capacities, to sign the undersigned&#146;s name as a director of Fiserv, Inc. to the Registration Statement on Form <FONT
STYLE="white-space:nowrap">S-3</FONT> relating to the registration of various securities by Fiserv, Inc. and any amendments (including post-effective amendments) or supplements thereto and to file the same, with all exhibits thereto, and other
documents in connection therewith, with the Securities and Exchange Commission under the Securities Act of 1933, as amended, granting unto said <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorney-in-fact</FONT></FONT> and
agent, full power and authority to do and perform each and every act and thing requisite and necessary to be done in and about the premises, as fully to all intents and purposes as the undersigned might or could do in person, hereby ratifying and
confirming all that said <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorney-in-fact</FONT></FONT> and agent, or any substitute, may lawfully do or cause to be done by virtue hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, the undersigned has executed this Power of Attorney as of February&nbsp;21, 2024. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">/s/ Charlotte Yarkoni</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Charlotte Yarkoni</P></TD></TR>
</TABLE></DIV>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-25
<SEQUENCE>5
<FILENAME>d736421dex25.htm
<DESCRIPTION>EX-25
<TEXT>
<HTML><HEAD>
<TITLE>EX-25</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE" STYLE="line-height:Normal">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 25 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="margin-top:4pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B><SMALL>SECURITIES</SMALL> <SMALL>AND</SMALL> <SMALL>EXCHANGE</SMALL> <SMALL>COMMISSION</SMALL> </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>Washington, D.C. 20549 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>FORM <FONT
STYLE="white-space:nowrap">T-1</FONT> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>STATEMENT OF
ELIGIBILITY </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>UNDER THE TRUST INDENTURE ACT OF 1939 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>OF A CORPORATION DESIGNATED TO ACT AS TRUSTEE </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:12pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B></B>&#9744;<B></B><B></B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman; " ALIGN="left"><B>Check if an Application to Determine Eligibility of a Trustee Pursuant to Section&nbsp;305(b)(2)
</B></P></TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:20pt; font-family:Times New Roman" ALIGN="center"><B>U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(Exact name of Trustee as specified in its charter) </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><FONT
STYLE="white-space:nowrap">91-1821036</FONT> </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>I.R.S. Employer Identification No. </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="50%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>800 Nicollet Mall</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Minneapolis, Minnesota</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><B>55402</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top" ALIGN="center"><B>(Address of principal executive offices)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B>(Zip Code)</B></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Yvonne Siira </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>U.S. Bank Trust Company, National Association </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>1555 N. RiverCenter Drive, Suite 203 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Milwaukee, WI 53212 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(414) <FONT STYLE="white-space:nowrap">905-5010</FONT> </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(Name, address and telephone number of agent for service) </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:24pt; font-family:Times New Roman" ALIGN="center"><B>FISERV, INC. </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(Issuer
with respect to the Securities) </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>

<TD WIDTH="50%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"><B>Wisconsin</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B><FONT STYLE="white-space:nowrap">39-1506125</FONT></B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(State or other jurisdiction of</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>incorporation or organization)</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(I.R.S. Employer</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Identification No.)</B></P></TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="50%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>255 Fiserv Drive</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Brookfield, Wisconsin</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><B>53045</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top" ALIGN="center"><B>(Address of Principal Executive Offices)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B>(Zip Code)</B></TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Debt Securities </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(Title
of the Indenture Securities) </B></P> <P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>FORM <FONT STYLE="white-space:nowrap">T-1</FONT> </U></B></P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><B>Item&#8201;1.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>GENERAL INFORMATION</B><B><I>.</I></B><B> </B>Furnish the following information as to the Trustee.<B>
</B></P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">a)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><I>Name and address of each examining or supervising authority to which it is subject.</I>
</P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="18%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">Comptroller</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">of the Currency </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="18%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">Washington,</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">D.C. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">b)<I></I></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><I>Whether it is authorized to exercise corporate trust powers.</I> </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="18%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">Yes</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"></P></TD></TR></TABLE> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><B>Item&#8201;2.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>AFFILIATIONS WITH THE OBLIGOR. </B><B><I></I></B><B></B><I>If the obligor is an affiliate of the Trustee,
describe each such affiliation.</I><B> </B></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">None</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"></P></TD></TR></TABLE> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><B><FONT STYLE="white-space:nowrap">Items&#8201;3-15&#8201;</FONT></B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B></B><I>Items <FONT STYLE="white-space:nowrap">3-15</FONT> are not applicable because to the best of the
Trustee&#146;s knowledge, the obligor is not in default under any Indenture for which the Trustee acts as Trustee.</I><B> </B></P></TD></TR></TABLE> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><B>Item&#8201;16.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>LIST OF EXHIBITS: </B><I>List below all exhibits filed as a part of this statement of eligibility and
qualification. </I><B> </B></P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">1.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">A copy of the Articles of Association of the Trustee, attached as Exhibit 1. </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">2.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">A copy of the certificate of authority of the Trustee to commence business, attached as Exhibit 2.
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">3.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">A copy of the authorization of the Trustee to exercise corporate trust powers, included as Exhibit 2.
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">4.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">A copy of the existing bylaws of the Trustee, attached as Exhibit 4. </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">5.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">A copy of each Indenture referred to in Item 4. Not applicable. </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">6.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">The consent of the Trustee required by Section&nbsp;321(b) of the Trust Indenture Act of 1939, attached as
Exhibit 6. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">7.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Report of Condition of the Trustee as of December&nbsp;31, 2023, published pursuant to law or the requirements
of its supervising or examining authority, attached as Exhibit 7. </P></TD></TR></TABLE>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SIGNATURE </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to the requirements of the Trust Indenture Act of 1939, as amended, the Trustee, U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION, a
national banking association organized and existing under the laws of the United States of America, has duly caused this statement of eligibility and qualification to be signed on its behalf by the undersigned, thereunto duly authorized, all in the
City of Milwaukee, State of Wisconsin on the 20<SUP STYLE="font-size:75%; vertical-align:top">th</SUP> of February, 2024. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="7%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="92%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ Yvonne Siira</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Yvonne Siira</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Vice President</TD></TR>
</TABLE></DIV>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>Exhibit 1 </U></B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLES OF ASSOCIATION </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>OF </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>U. S. BANK TRUST
COMPANY, NATIONAL ASSOCIATION </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">For the purpose of organizing an association (the &#147;Association&#148;) to perform any lawful activities of national
banks, the undersigned enter into the following Articles of Association: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>FIRST. </B>The title of this Association shall be U. S. Bank Trust Company,
National Association. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECOND. </B>The main office of the Association shall be in the city of Portland, county of Multnomah, state of Oregon. The
business of the Association will be limited to fiduciary powers and the support of activities incidental to the exercise of those powers. The Association may not expand or alter its business beyond that stated in this article without the prior
approval of the Comptroller of the Currency. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>THIRD.</B> The board of directors of the Association shall consist of not less than five nor more than
twenty-five persons, the exact number to be fixed and determined from time to time by resolution of a majority of the full board of directors or by resolution of a majority of the shareholders at any annual or special meeting thereof. Each director
shall own common or preferred stock of the Association or of a holding company owning the Association, with an aggregate par, fair market, or equity value of not less than $1,000, as of either (i)&nbsp;the date of purchase, (ii)&nbsp;the date the
person became a director, or (iii)&nbsp;the date of that person&#146;s most recent election to the board of directors, whichever is more recent. Any combination of common or preferred stock of the Association or holding company may be used. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Any vacancy in the board of directors may be filled by action of a majority of the remaining directors between meetings of shareholders. The board of
directors may increase the number of directors up to the maximum permitted by law. Terms of directors, including directors selected to fill vacancies, shall expire at the next regular meeting of shareholders at which directors are elected, unless
the directors resign or are removed from office. Despite the expiration of a director&#146;s term, the director shall continue to serve until his or her successor is elected and qualified or until there is a decrease in the number of directors and
his or her position is eliminated. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Honorary or advisory members of the board of directors, without voting power or power of final decision in matters
concerning the business of the Association, may be appointed by resolution of a majority of the full board of directors, or by resolution of shareholders at any annual or special meeting. Honorary or advisory directors shall not be counted to
determined the number of directors of the Association or the presence of a quorum in connection with any board action, and shall not be required to own qualifying shares. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>FOURTH. </B>There shall be an annual meeting of the shareholders to elect directors and transact whatever other business may be brought before the meeting.
It shall be held at the main office or any other convenient place the board of directors may designate, on the day of each year specified therefor in the Bylaws, or if that day falls on a legal holiday in the state in which the </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 1 - </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Association is located, on the next following banking day. If no election is held on the day fixed or in the
event of a legal holiday on the following banking day, an election may be held on any subsequent day within 60 days of the day fixed, to be designated by the board of directors, or, if the directors fail to fix the day, by shareholders representing <FONT
STYLE="white-space:nowrap">two-thirds</FONT> of the shares issued and outstanding. In all cases, at least 10 days&#146; advance notice of the meeting shall be given to the shareholders by first-class mail. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In all elections of directors, the number of votes each common shareholder may cast will be determined by multiplying the number of shares he or she owns by
the number of directors to be elected. Those votes may be cumulated and cast for a single candidate or may be distributed among two or more candidates in the manner selected by the shareholder. On all other questions, each common shareholder shall
be entitled to one vote for each share of stock held by him or her. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">A director may resign at any time by delivering written notice to the board of
directors, its chairperson, or to the Association, which resignation shall be effective when the notice is delivered unless the notice specifies a later effective date. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">A director may be removed by the shareholders at a meeting called to remove him or her, when notice of the meeting stating that the purpose or one of the
purposes is to remove him or her is provided, if there is a failure to fulfill one of the affirmative requirements for qualification, or for cause; provided, however, that a director may not be removed if the number of votes sufficient to elect him
or her under cumulative voting is voted against his or her removal. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>FIFTH. </B>The authorized amount of capital stock of the Association shall be
1,000,000 shares of common stock of the par value of ten dollars ($10) each; but said capital stock may be increased or decreased from time to time, according to the provisions of the laws of the United States. The Association shall have only one
class of capital stock. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">No holder of shares of the capital stock of any class of the Association shall have any preemptive or preferential right of
subscription to any shares of any class of stock of the Association, whether now or hereafter authorized, or to any obligations convertible into stock of the Association, issued, or sold, nor any right of subscription to any thereof other than such,
if any, as the board of directors, in its discretion, may from time to time determine and at such price as the board of directors may from time to time fix. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Transfers of the Association&#146;s stock are subject to the prior written approval of a federal depository institution regulatory agency. If no other agency
approval is required, the approval of the Comptroller of the Currency must be obtained prior to any such transfers. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Unless otherwise specified in the
Articles of Association or required by law, (1)&nbsp;all matters requiring shareholder action, including amendments to the Articles of Association must be approved by shareholders owning a majority voting interest in the outstanding voting stock,
and (2) each shareholder shall be entitled to one vote per share. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 2 - </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Unless otherwise specified in the Articles of Association or required by law, all shares of voting stock
shall be voted together as a class, on any matters requiring shareholder approval. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Unless otherwise provided in the Bylaws, the record date for
determining shareholders entitled to notice of and to vote at any meeting is the close of business on the day before the first notice is mailed or otherwise sent to the shareholders, provided that in no event may a record date be more than 70 days
before the meeting. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Association, at any time and from time to time, may authorize and issue debt obligations, whether subordinated, without the
approval of the shareholders. Obligations classified as debt, whether subordinated, which may be issued by the Association without the approval of shareholders, do not carry voting rights on any issue, including an increase or decrease in the
aggregate number of the securities, or the exchange or reclassification of all or part of securities into securities of another class or series. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SIXTH. </B>The board of directors shall appoint one of its members president of this Association and one of its members chairperson of the board and shall
have the power to appoint one or more vice presidents, a secretary who shall keep minutes of the directors&#146; and shareholders&#146; meetings and be responsible for authenticating the records of the Association, and such other officers and
employees as may be required to transact the business of this Association. A duly appointed officer may appoint one or more officers or assistant officers if authorized by the board of directors in accordance with the Bylaws. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The board of directors shall have the power to: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Define the duties of the officers, employees, and agents of the Association. </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Delegate the performance of its duties, but not the responsibility for its duties, to the officers, employees,
and agents of the Association. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(3)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Fix the compensation and enter employment contracts with its officers and employees upon reasonable terms and
conditions consistent with applicable law. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(4)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Dismiss officers and employees. </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(5)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Require bonds from officers and employees and to fix the penalty thereof. </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(6)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Ratify written policies authorized by the Association&#146;s management or committees of the board.
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(7)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Regulate the manner any increase or decrease of the capital of the Association shall be made; provided that
nothing herein shall restrict the power of shareholders to increase or decrease the capital of the Association in accordance with law, and nothing shall raise or lower from <FONT STYLE="white-space:nowrap">two-thirds</FONT> the percentage required
for shareholder approval to increase or reduce the capital. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 3 - </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(8)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Manage and administer the business and affairs of the Association. </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(9)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Adopt initial Bylaws, not inconsistent with law or the Articles of Association, for managing the business and
regulating the affairs of the Association. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(10)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Amend or repeal Bylaws, except to the extent that the Articles of Association reserve this power in whole or in
part to the shareholders. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(11)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Make contracts. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(12)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Generally perform all acts that are legal for a board of directors to perform. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SEVENTH. </B>The board of directors shall have the power to change the location of the main office to any authorized branch within the limits of the city
of Portland, Oregon, without the approval of the shareholders, or with a vote of shareholders owning <FONT STYLE="white-space:nowrap">two-thirds</FONT> of the stock of the Association for a location outside such limits and upon receipt of a
certificate of approval from the Comptroller of the Currency, to any other location within or outside the limits of the city of Portland, Oregon, but not more than thirty miles beyond such limits. The board of directors shall have the power to
establish or change the location of any office or offices of the Association to any other location permitted under applicable law, without approval of shareholders, subject to approval by the Comptroller of the Currency. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>EIGHTH. </B>The corporate existence of this Association shall continue until termination according to the laws of the United States. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NINTH. </B>The board of directors of the Association, or any shareholder owning, in the aggregate, not less than 25&nbsp;percent of the stock of the
Association, may call a special meeting of shareholders at any time. Unless otherwise provided by the Bylaws or the laws of the United States, or waived by shareholders, a notice of the time, place, and purpose of every annual and special meeting of
the shareholders shall be given by first-class mail, postage prepaid, mailed at least 10, and no more than 60, days prior to the date of the meeting to each shareholder of record at his/her address as shown upon the books of the Association. Unless
otherwise provided by the Bylaws, any action requiring approval of shareholders must be effected at a duly called annual or special meeting. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>TENTH.
</B>These Articles of Association may be amended at any regular or special meeting of the shareholders by the affirmative vote of the holders of a majority of the stock of the Association, unless the vote of the holders of a greater amount of stock
is required by law, and in that case by the vote of the holders of such greater amount; provided, that the scope of the Association&#146;s activities and services may not be expanded without the prior written approval of the Comptroller of the
Currency. The Association&#146;s board of directors may propose one or more amendments to the Articles of Association for submission to the shareholders. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 4 - </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In witness whereof, we have hereunto set our hands this <U>11<SUP
STYLE="font-size:75%; vertical-align:top">th</SUP></U> of June, 1997. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ Jeffrey T. Grubb</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Jeffrey T. Grubb</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ Robert D. Sznewajs</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Robert D. Sznewajs</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ Dwight V. Board</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Dwight V. Board</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ P.K. Chatterjee</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">P.K. Chatterjee</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ Robert Lane</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Robert Lane</TD></TR>
</TABLE>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>Exhibit 2 </U></B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="center">


<IMG SRC="g736421g0217092547066.jpg" ALT="LOGO">
 </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>Exhibit 4 </U></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION<U> </U></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>AMENDED AND RESTATED BYLAWS </U></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>ARTICLE I </U></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>Meetings of
Shareholders </U></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.1. <U>Annual Meeting</U>. The annual meeting of the shareholders, for the election of directors and the
transaction of any other proper business, shall be held at a time and place as the Chairman or President may designate. Notice of such meeting shall be given not less than ten (10)&nbsp;days or more than sixty (60)&nbsp;days prior to the date
thereof, to each shareholder of the Association, unless the Office of the Comptroller of the Currency (the &#147;OCC&#148;) determines that an emergency circumstance exists. In accordance with applicable law, the sole shareholder of the Association
is permitted to waive notice of the meeting. If, for any reason, an election of directors is not made on the designated day, the election shall be held on some subsequent day, as soon thereafter as practicable, with prior notice thereof. Failure to
hold an annual meeting as required by these Bylaws shall not affect the validity of any corporate action or work a forfeiture or dissolution of the Association. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.2. <U>Special Meetings</U>. Except as otherwise specially provided by law, special meetings of the shareholders may be called
for any purpose, at any time by a majority of the board of directors (the &#147;Board&#148;), or by any shareholder or group of shareholders owning at least ten percent of the outstanding stock. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Every such special meeting, unless otherwise provided by law, shall be called upon not less than ten (10)&nbsp;days nor more than sixty (60)&nbsp;days prior
notice stating the purpose of the meeting. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.3. <U>Nominations for Directors</U>. Nominations for election to the Board may
be made by the Board or by any shareholder. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.4. <U>Proxies</U>. Shareholders may vote at any meeting of the shareholders by
proxies duly authorized in writing. Proxies shall be valid only for one meeting and any adjournments of such meeting and shall be filed with the records of the meeting. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.5. <U>Record Date</U>. The record date for determining shareholders entitled to notice and to vote at any meeting will be
thirty days before the date of such meeting, unless otherwise determined by the Board. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.6. <U>Quorum and Voting</U>. A majority of the outstanding capital stock,
represented in person or by proxy, shall constitute a quorum at any meeting of shareholders, unless otherwise provided by law, but less than a quorum may adjourn any meeting, from time to time, and the meeting may be held as adjourned without
further notice. A majority of the votes cast shall decide every question or matter submitted to the shareholders at any meeting, unless otherwise provided by law or by the Articles of Association. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.7. <U>Inspectors</U>. The Board may, and in the event of its failure so to do, the Chairman of the Board may appoint Inspectors
of Election who shall determine the presence of quorum, the validity of proxies, and the results of all elections and all other matters voted upon by shareholders at all annual and special meetings of shareholders. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.8. <U>Waiver and Consent</U>. The shareholders may act without notice or a meeting by a unanimous written consent by all
shareholders. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.9. <U>Remote Meetings</U>. The Board shall have the right to determine that a shareholder meeting not be
held at a place, but instead be held solely by means of remote communication in the manner and to the extent permitted by the General Corporation Law of the State of Delaware. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>ARTICLE II </U></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>Directors
</U></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.1. <U>Board of Directors</U>. The Board shall have the power to manage and administer the business and affairs of the
Association. Except as expressly limited by law, all corporate powers of the Association shall be vested in and may be exercised by the Board. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.2. <U>Term of Office</U>. The directors of this Association shall hold office for one year and until their successors are duly
elected and qualified, or until their earlier resignation or removal. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.3. <U>Powers</U>. In addition to the foregoing, the
Board shall have and may exercise all of the powers granted to or conferred upon it by the Articles of Association, the Bylaws and by law. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.4. <U>Number</U>. As provided in the Articles of Association, the Board of this Association shall consist of no less than five
nor more than twenty-five members, unless the OCC has exempted the Association from the twenty-five-member limit. The Board shall consist of a number of members to be fixed and determined from time to time by resolution of the Board or the
shareholders at any meeting thereof, in accordance with the Articles of Association. Between meetings of the shareholders held for the purpose of electing directors, the Board </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
by a majority vote of the full Board may increase the size of the Board but not to more than a total of twenty-five directors, and fill any vacancy so created in the Board; provided that the
Board may increase the number of directors only by up to two directors, when the number of directors last elected by shareholders was fifteen or fewer, and by up to four directors, when the number of directors last elected by shareholders was
sixteen or more. Each director shall own a qualifying equity interest in the Association or a company that has control of the Association in each case as required by applicable law. Each director shall own such qualifying equity interest in his or
her own right and meet any minimum threshold ownership required by applicable law. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.5. <U>Organization Meeting</U>. The
newly elected Board shall meet for the purpose of organizing the new Board and electing and appointing such officers of the Association as may be appropriate. Such meeting shall be held on the day of the election or as soon thereafter as
practicable, and, in any event, within thirty days thereafter, at such time and place as the Chairman or President may designate. If, at the time fixed for such meeting, there shall not be a quorum present, the directors present may adjourn the
meeting until a quorum is obtained. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.6. <U>Regular Meetings</U>. The regular meetings of the Board shall be held, without
notice, as the Chairman or President may designate and deem suitable. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.7. <U>Special Meetings</U>. Special meetings of the
Board may be called at any time, at any place and for any purpose by the Chairman of the Board or the President of the Association, or upon the request of a majority of the entire Board. Notice of every special meeting of the Board shall be given to
the directors at their usual places of business, or at such other addresses as shall have been furnished by them for the purpose. Such notice shall be given at least twelve hours (three hours if meeting is to be conducted by conference telephone)
before the meeting by telephone or by being personally delivered, mailed, or electronically delivered. Such notice need not include a statement of the business to be transacted at, or the purpose of, any such meeting. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.8. <U>Quorum and Necessary Vote</U>. A majority of the directors shall constitute a quorum at any meeting of the Board, except
when otherwise provided by law; but less than a quorum may adjourn any meeting, from time to time, and the meeting may be held as adjourned without further notice. Unless otherwise provided by law or the Articles or Bylaws of this Association, once
a quorum is established, any act by a majority of those directors present and voting shall be the act of the Board. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.9. <U>Written Consent</U>. Except as otherwise required by applicable laws
and regulations, the Board may act without a meeting by a unanimous written consent by all directors, to be filed with the Secretary of the Association as part of the corporate records. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.10. <U>Remote Meetings</U>. Members of the Board, or of any committee thereof, may participate in a meeting of such Board or
committee by means of conference telephone, video or similar communications equipment by means of which all persons participating in the meeting can hear each other and such participation shall constitute presence in person at such meeting. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.11. <U>Vacancies</U>. When any vacancy occurs among the directors, the remaining members of the Board may appoint a director to
fill such vacancy at any regular meeting of the Board, or at a special meeting called for that purpose. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>ARTICLE III </U></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>Committees </U></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.1. <U>Advisory Board of Directors</U>. The Board may appoint persons, who need not be directors, to serve as advisory directors
on an advisory board of directors established with respect to the business affairs of either this Association alone or the business affairs of a group of affiliated organizations of which this Association is one. Advisory directors shall have such
powers and duties as may be determined by the Board, provided, that the Board&#146;s responsibility for the business and affairs of this Association shall in no respect be delegated or diminished. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.2. <U>Trust Audit Committee</U>. At least once during each calendar year, the Association shall arrange for a suitable audit
(by internal or external auditors) of all significant fiduciary activities under the direction of its trust audit committee, a function that will be fulfilled by the Audit Committee of the financial holding company that is the ultimate parent of
this Association. The Association shall note the results of the audit (including significant actions taken as a result of the audit) in the minutes of the Board. In lieu of annual audits, the Association may adopt a continuous audit system in
accordance with 12 C.F.R. &#167; 9.9(b). </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Audit Committee of the financial holding company that is the ultimate parent of this Association,
fulfilling the function of the trust audit committee: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(1) Must not include any officers of the Association or an affiliate who participate
significantly in the administration of the Association&#146;s fiduciary activities; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(2) Must consist of a majority of members who are
not also members of any committee to which the Board has delegated power to manage and control the fiduciary activities of the Association. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.3. <U>Executive Committee</U>. The Board may appoint an Executive Committee which shall consist of at least three directors and
which shall have, and may exercise, to the extent permitted by applicable law, all the powers of the Board between meetings of the Board or otherwise when the Board is not meeting. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.4. <U>Trust Management Committee</U>. The Board of this Association shall appoint a Trust Management Committee to provide
oversight of the fiduciary activities of the Association. The Trust Management Committee shall determine policies governing fiduciary activities. The Trust Management Committee or such <FONT STYLE="white-space:nowrap">sub-committees,</FONT> officers
or others as may be duly designated by the Trust Management Committee shall oversee the processes related to fiduciary activities to assure conformity with fiduciary policies it establishes, including ratifying the acceptance and the closing out or
relinquishment of all trusts. The Trust Management Committee will provide regular reports of its activities to the Board. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.5. <U>Other Committees</U>. The Board may appoint, from time to time, committees of one or more persons who need not be
directors, for such purposes and with such powers as the Board may determine; however, the Board will not delegate to any committee any powers or responsibilities that it is prohibited from delegating under any law or regulation. In addition, either
the Chairman or the President may appoint, from time to time, committees of one or more officers, employees, agents or other persons, for such purposes and with such powers as either the Chairman or the President deems appropriate and proper.
Whether appointed by the Board, the Chairman, or the President, any such committee shall at all times be subject to the direction and control of the Board. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.6. <U>Meetings, Minutes and Rules</U>. An advisory board of directors and/or committee shall meet as necessary in consideration
of the purpose of the advisory board of directors or committee, and shall maintain minutes in sufficient detail to indicate actions taken or recommendations made; unless required by the members, discussions, votes or other specific details need not
be reported. An advisory board of directors or a committee may, in consideration of its purpose, adopt its own rules for the exercise of any of its functions or authority. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>ARTICLE IV </U></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>Officers </U></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.1. <U>Chairman of the Board</U>. The Board may appoint one of its members to be Chairman of the Board to serve at the pleasure
of the Board. The Chairman shall supervise the carrying out of the policies adopted or approved by the Board; shall have general executive powers, as well as the specific powers conferred by these Bylaws; and shall also have and may exercise such
powers and duties as from time to time may be conferred upon or assigned by the Board. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.2. <U>President</U>. The Board may
appoint one of its members to be President of the Association. In the absence of the Chairman, the President shall preside at any meeting of the Board. The President shall have general executive powers, and shall have and may exercise any and all
other powers and duties pertaining by law, regulation or practice, to the office of President, or imposed by these Bylaws. The President shall also have and may exercise such powers and duties as from time to time may be conferred or assigned by the
Board. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.3. <U>Vice President</U>. The Board may appoint one or more Vice Presidents who shall have such powers and duties
as may be assigned by the Board and to perform the duties of the President on those occasions when the President is absent, including presiding at any meeting of the Board in the absence of both the Chairman and President. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.4. <U>Secretary</U>. The Board shall appoint a Secretary, or other designated officer who shall be Secretary of the Board and
of the Association, and shall keep accurate minutes of all meetings. The Secretary shall attend to the giving of all notices required by these Bylaws to be given; shall be custodian of the corporate seal, records, documents and papers of the
Association; shall provide for the keeping of proper records of all transactions of the Association; shall, upon request, authenticate any records of the Association; shall have and may exercise any and all other powers and duties pertaining by law,
regulation or practice, to the Secretary, or imposed by these Bylaws; and shall also perform such other duties as may be assigned from time to time by the Board. The Board may appoint one or more Assistant Secretaries with such powers and duties as
the Board, the President or the Secretary shall from time to time determine. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.5. <U>Other Officers</U>. The Board may appoint, and may authorize the
Chairman, the President or any other officer to appoint, any officer as from time to time may appear to the Board, the Chairman, the President or such other officer to be required or desirable to transact the business of the Association. Such
officers shall exercise such powers and perform such duties as pertain to their several offices, or as may be conferred upon or assigned to them by these Bylaws, the Board, the Chairman, the President or such other authorized officer. Any person may
hold two offices. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.6. <U>Tenure of Office</U>. The Chairman or the President and all other officers shall hold office until
their respective successors are elected and qualified or until their earlier death, resignation, retirement, disqualification or removal from office, subject to the right of the Board or authorized officer to discharge any officer at any time. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>ARTICLE V </U></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>Stock
</U></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.1. The Board may authorize the issuance of stock either in certificated or in uncertificated form. Certificates for
shares of stock shall be in such form as the Board may from time to time prescribe. If the Board issues certificated stock, the certificate shall be signed by the President, Secretary or any other such officer as the Board so determines. Shares of
stock shall be transferable on the books of the Association, and a transfer book shall be kept in which all transfers of stock shall be recorded. Every person becoming a shareholder by such transfer shall, in proportion to such person&#146;s shares,
succeed to all rights of the prior holder of such shares. Each certificate of stock shall recite on its face that the stock represented thereby is transferable only upon the books of the Association properly endorsed. The Board may impose conditions
upon the transfer of the stock reasonably calculated to simplify the work of the Association for stock transfers, voting at shareholder meetings, and related matters, and to protect it against fraudulent transfers. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>ARTICLE VI </U></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>Corporate
Seal </U></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.1. The Association shall have no corporate seal; provided, however, that if the use of a seal is required by, or
is otherwise convenient or advisable pursuant to, the laws or regulations of any jurisdiction, the following seal may be used, and the Chairman, the President, the Secretary and any Assistant Secretary shall have the authority to affix such seal:
</P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>ARTICLE VII </U></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>Miscellaneous Provisions </U></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.1. <U>Execution of Instruments</U>. All agreements, checks, drafts, orders, indentures, notes, mortgages, deeds, conveyances,
transfers, endorsements, assignments, certificates, declarations, receipts, discharges, releases, satisfactions, settlements, petitions, schedules, accounts, affidavits, bonds, undertakings, guarantees, proxies and other instruments or documents may
be signed, countersigned, executed, acknowledged, endorsed, verified, delivered or accepted on behalf of the Association, whether in a fiduciary capacity or otherwise, by any officer of the Association, or such employee or agent as may be designated
from time to time by the Board by resolution, or by the Chairman or the President by written instrument, which resolution or instrument shall be certified as in effect by the Secretary or an Assistant Secretary of the Association. The provisions of
this section are supplementary to any other provision of the Articles of Association or Bylaws. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.2. <U>Records</U>. The
Articles of Association, the Bylaws as revised or amended from time to time and the proceedings of all meetings of the shareholders, the Board, and standing committees of the Board, shall be recorded in appropriate minute books provided for the
purpose. The minutes of each meeting shall be signed by the Secretary, or other officer appointed to act as Secretary of the meeting. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.3. <U>Trust Files</U>. There shall be maintained in the Association files all fiduciary records necessary to assure that its
fiduciary responsibilities have been properly undertaken and discharged. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.4. <U>Trust Investments</U>. Funds held in a
fiduciary capacity shall be invested according to the instrument establishing the fiduciary relationship and according to law. Where such instrument does not specify the character and class of investments to be made and does not vest in the
Association a discretion in the matter, funds held pursuant to such instrument shall be invested in investments in which corporate fiduciaries may invest under law. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.5. <U>Notice</U>. Whenever notice is required by the Articles of Association, the Bylaws or law, such notice shall be by mail,
postage prepaid, <FONT STYLE="white-space:nowrap">e-</FONT> mail, in person, or by any other means by which such notice can reasonably be expected to be received, using the address of the person to receive such notice, or such other personal data,
as may appear on the records of the Association. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Except where specified otherwise in these Bylaws, prior notice shall be proper if given not more than 30
days nor less than 10 days prior to the event for which notice is given. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>ARTICLE VIII </U></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>Indemnification </U></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.1. The Association shall indemnify such persons for such liabilities in such manner under such circumstances and to such extent
as permitted by Section&nbsp;145 of the Delaware General Corporation Law, as now enacted or hereafter amended. The Board may authorize the purchase and maintenance of insurance and/or the execution of individual agreements for the purpose of such
indemnification, and the Association shall advance all reasonable costs and expenses (including attorneys&#146; fees) incurred in defending any action, suit or proceeding to all persons entitled to indemnification under this Section&nbsp;8.1. Such
insurance shall be consistent with the requirements of 12 C.F.R. &#167; 7.2014 and shall exclude coverage of liability for a formal order assessing civil money penalties against an institution-affiliated party, as defined at 12 U.S.C. &#167;
1813(u). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.2. Notwithstanding Section&nbsp;8.1, however, (a)&nbsp;any indemnification payments to an institution-affiliated
party, as defined at 12 U.S.C. &#167; 1813(u), for an administrative proceeding or civil action initiated by a federal banking agency, shall be reasonable and consistent with the requirements of 12 U.S.C. &#167; 1828(k) and the implementing
regulations thereunder; and (b)&nbsp;any indemnification payments and advancement of costs and expenses to an institution-affiliated party, as defined at 12 U.S.C. &#167; 1813(u), in cases involving an administrative proceeding or civil action not
initiated by a federal banking agency, shall be in accordance with Delaware General Corporation Law and consistent with safe and sound banking practices. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>ARTICLE IX </U></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>Bylaws:
Interpretation and Amendment </U></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.1. These Bylaws shall be interpreted in accordance with and subject to appropriate
provisions of law, and may be added to, altered, amended, or repealed, at any regular or special meeting of the Board. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.2.
A copy of the Bylaws and all amendments shall at all times be kept in a convenient place at the principal office of the Association, and shall be open for inspection to all shareholders during Association hours. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>ARTICLE X </U></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>Miscellaneous Provisions </U></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.1. <U>Fiscal Year</U>. The fiscal year of the Association shall begin on the first day of January in each year and shall end
on the thirty-first day of December following. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.2. <U>Governing Law</U>. This Association designates the Delaware General
Corporation Law, as amended from time to time, as the governing law for its corporate governance procedures, to the extent not inconsistent with Federal banking statutes and regulations or bank safety and soundness. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">*** </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">(February 8, 2021) </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>Exhibit 6 </U></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>CONSENT </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In accordance
with Section&nbsp;321(b) of the Trust Indenture Act of 1939, the undersigned, U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION hereby consents that reports of examination of the undersigned by Federal, State, Territorial or District authorities may be
furnished by such authorities to the Securities and Exchange Commission upon its request therefor. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Dated: February&nbsp;20, 2024 </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="7%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="92%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Yvonne Siira</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Yvonne Siira</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Vice President</TD></TR>
</TABLE></DIV>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>Exhibit 7 </U></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>U.S. Bank Trust Company, National Association </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Statement of Financial Condition </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>as of 12/31/2023 </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>($000&#146;s) </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="90%"></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>12/31/2023</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Assets</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash and Balances Due From Depository Institutions</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&nbsp;1,171,838</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">4,441</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal Funds</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans&nbsp;&amp; Lease Financing Receivables</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Fixed Assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1,409</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Intangible Assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">578,492</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other Assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">218,268</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Total Assets</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B>$</B></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>1,974,448</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Liabilities</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Fed Funds</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Treasury Demand Notes</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Trading Liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other Borrowed Money</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Acceptances</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Subordinated Notes and Debentures</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other Liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">255,900</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Total Liabilities</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B>$</B></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>255,900</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Equity</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Common and Preferred Stock</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">200</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Surplus</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1,171,635</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Undivided Profits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">546,713</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Minority Interest in Subsidiaries</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Total Equity Capital</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B>$</B></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>1,718,548</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Total Liabilities and Equity Capital</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B>$</B></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>1,974,448</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
</TABLE>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-FILING FEES
<SEQUENCE>6
<FILENAME>d736421dexfilingfees.htm
<DESCRIPTION>EX-FILING FEES
<TEXT>
<HTML><HEAD>
<TITLE>EX-FILING FEES</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE" STYLE="line-height:Normal">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 107 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Calculation of Filing Fee Tables </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Form <FONT STYLE="white-space:nowrap">S-3</FONT> </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Form Type) </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Fiserv, Inc.
</B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Exact Name of Registrant as Specified in its Charter) </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Table 1: Newly Registered and Carry Forward Securities </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="99%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="13%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="8%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="7%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="7%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="9%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="9%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="5%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="10%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="7%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="8%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="8%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="10%"></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" STYLE="BORDER:1px solid #000000; padding-left:8pt">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><B>Security&nbsp;Type</B></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><B>Security<BR>Class<BR>Title(1)</B></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><B>Fee<BR>Calculation<BR>or Carry<BR>Forward<BR>Rule</B></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><B>Amount<BR>Registered</B></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><B>Proposed<BR>Maximum<BR>Offering&nbsp;Price<BR>Per Unit</B></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><B>Maximum<BR>Aggregate<BR>Offering&nbsp;Price</B></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><B>Fee&nbsp;Rate</B></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><B>Amount of<BR>Registration&nbsp;Fee</B></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><B>Carry<BR>Forward<BR>Form&nbsp;Type</B></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><B>Carry<BR>Forward<BR>File&nbsp;Number</B></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><B>Carry<BR>Forward<BR>Initial<BR>effective&nbsp;date</B></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:2pt"><B>Filing Fee<BR>Previously&nbsp;Paid<BR>In Connection<BR>with Unsold<BR>Securities<BR>to be
Carried<BR>Forward</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="1" COLSPAN="25" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8pt">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" COLSPAN="25" ALIGN="center" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8pt; padding-right:2pt"><FONT STYLE="font-size:8pt"><B>Newly Registered
Securities</B></FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="middle" ROWSPAN="7" ALIGN="center" STYLE="BORDER:1px solid #000000; padding-left:8pt"><FONT STYLE="font-size:8pt">Fees to Be Paid</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-size:8pt">Debt</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-size:8pt">Debt Securities</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="7" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" ROWSPAN="7" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-size:8pt">Rules 456(b) and 457(r)</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="7" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" ROWSPAN="7" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-size:8pt">(2)</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="7" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" ROWSPAN="7" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-size:8pt">(2)</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="7" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" ROWSPAN="7" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-size:8pt">(2)</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="7" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" ROWSPAN="7" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-size:8pt">(3)</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="7">&nbsp;</TD>
<TD VALIGN="middle" ROWSPAN="7" ALIGN="center"><FONT STYLE="font-size:8pt">(3)</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:2pt"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">Equity</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">Common Stock, par value $0.01</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:2pt"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">Equity</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">Preferred Stock, no par value</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:2pt"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">Other</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">Depositary Shares</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:2pt"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">Other</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">Warrants</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:2pt"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">Other</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">Purchase Contracts</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:2pt"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">Other</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">Units</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:2pt"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER:1px solid #000000; padding-left:8pt"><FONT STYLE="font-size:8pt">Fees Previously Paid</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-size:8pt">N/A</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-size:8pt">N/A</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-size:8pt">N/A</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-size:8pt">N/A</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-size:8pt">N/A</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-size:8pt">N/A</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-size:8pt">N/A</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-size:8pt">N/A</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:2pt"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" COLSPAN="25" ALIGN="center" STYLE="BORDER:1px solid #000000; padding-left:8pt; padding-right:2pt"><FONT STYLE="font-size:8pt"><B>Carry Forward Securities</B></FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER:1px solid #000000; padding-left:8pt"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Carry</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Forward</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Securities</P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-size:8pt">N/A</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-size:8pt">N/A</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-size:8pt">N/A</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-size:8pt">N/A</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-size:8pt">N/A</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-size:8pt">N/A</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-size:8pt">N/A</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-size:8pt">N/A</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:2pt"><FONT STYLE="font-size:8pt">N/A</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" STYLE="BORDER:1px solid #000000; padding-left:8pt"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="7" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">Total Offering Amounts</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">N/A</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">N/A</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:2pt"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" STYLE="BORDER:1px solid #000000; padding-left:8pt"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="7" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">Total Fees Previously Paid</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">N/A</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:2pt"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" STYLE="BORDER:1px solid #000000; padding-left:8pt"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="7" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">Total Fee Offsets</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">N/A</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:2pt"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" STYLE="BORDER:1px solid #000000; padding-left:8pt"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="7" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">Net Fee Due</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">N/A</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:2pt"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Separate consideration may or may not be received for securities that are issuable on exercise, conversion or
exchange of other securities or that are issued in units. In addition, securities registered hereunder may be sold either separately or as units comprised of more than one type of security registered hereunder. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">An indeterminate aggregate initial offering price or number of the securities of each identified class is being
registered as may from time to time be offered at indeterminate prices. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(3)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">In accordance with Rules 456(b) and 457(r) under the Securities Act of 1933, as amended, the registrant is
deferring payment of all of the registration fee. </P></TD></TR></TABLE>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>7
<FILENAME>g736421dsp32.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g736421dsp32.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_X0!X17AI9@  34T *@    @ !@$Q  (
M   1    5@,!  4    !    : ,#  $    ! @   %$0  $    ! 0   %$1
M  0    !   .Q%$2  0    !   .Q     !-:6-R;W-O9G0@3V9F:6-E
M 8:@  "QC__; $,  @$! @$! @(" @(" @(#!0,# P,#!@0$ P4'!@<'!P8'
M!P@)"PD(" H(!P<*#0H*"PP,# P'"0X/#0P."PP,#/_; $,! @(" P,#!@,#
M!@P(!P@,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,
M# P,# P,# P,#/_  !$( #8 D ,!(@ "$0$#$0'_Q  ?   !!0$! 0$! 0
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MOL8N?.\G_C[OHM^[R)?N;L;.<9&?H'_ATW_P5X_Y_/C9_P"'KLO_ ):UA_\
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M/B]K?PQ^&4AC2QU#Q=J$UCK^M2IE('B:0H\<$;^<Z\8=K88*LPKYR_X+6?\
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M",GP)_X*?? WXH:]\7-%US5M0\+Z[:V&GM8ZQ-8K'$]N9&!$9&XENYK],O\
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MBZM]M\ 7%]YPM?/,.WS(3MQ]HESCKD9Z"OIC_A_M_P %//\ H5_$G_AJC_\
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M/[1UM<7/A[Q';J/[.LU5;/[,;C<0Z+<R7]M#&V,>9*BMC=F@#Z8HKY3\;?\
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%)10!_]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>8
<FILENAME>g736421g0217092547066.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g736421g0217092547066.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1" ,/ D\# 2(  A$! Q$!_\0
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MU=;7V-G:XN/DY>;GZ.GJ\O/T]?;W^/GZ_]H # ,!  (1 Q$ /P#W^D)"@DD
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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MU4*H4#  P* %HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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MO_O@?XU>J..>*;?Y4B/L8JVTYVD=0: *O]H/_P ^-W_WP/\ &C^T'_Y\;O\
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M&*VLVM[2T)!FD8@C)&< <URNA>!/$6CZ5INL66DSIJ^GW!,]I,P*7$;'JO.
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M5-0 4444 %%%% !137D2/&]U7)P,G&:%=')"LK$=<'I0 ZBBB@ HI"P52S$
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M]('$A[]*QK_P#<6_B&PETPWCVGGM/<S/=J'5F&,J,4ET7]=/^"-WL_Z[_P#
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M-C<00K-=7KSP-NBNC-^]7Z'&,?A2UN/4Q+;QEKU]J=IIB:&EG=36S3G[9(5
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M%G?^O,GHHHH&%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M#CG'M36P7=[$]%%% PHHHH **** "BBB@ HHHH ***;(2L;, 3@$X'>DW97
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MG@2S:3<E]=Q^;"L-T$; N%7@;O?'%=71185D<3/\-[*5-0C34KV*&^\L/&A
M"A/N@5H0>#;>/4K:_FO;F>>V4B-GQD$C&<_TKIJ* LB&UA>WMDBDF>9E',C]
M6J:BB@84444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M;H :+@;5%<Y'J?B"WN;-;^PM3%<RA6:W+$PC'\6>OUK:CU&QF:18KRW=HO\
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M\:W]MXALM,U+3H;2*>29&G:3  0 Y&>QSUH6HKG;454DU73H8XI);^V1)?\
M5LTJ@/\ 3GFFW>KZ;8!C=W]M#M&XB250<?G0W;<9=HK,L_$.DWNFPZA%?VXM
MIN$=Y%7)].O7VJT^HV,<RPO>6ZROC:AE 8YZ8%'D!9HKCO$OBZ^\,Z[9I<6<
M,VDS M+-'N\R!1M!9NQ&6%:5OJU_-XC>V'V(Z6+<3I,I;>0>G?%"=P>FYOT5
M!;7MI>JS6MS#.JG#&)PV#^%3T %%%% !1110 4444 %(3@$XSCL*6D) !)X
MZT <C;7EU?>(ENKO0M05XF:.V,@01QJ>KYSU/TKJ;6<W-NLK02PDY^24 ,/R
MK%C\7V3:O!I\MO=0&Y#?9II(\),5Z@=\_6IK/Q)!=:S_ &7):75M,T9EB,R
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M $E_X0 "<8^M>I/,RW$<0A=E<$F08VKCUJ6IMO\ /\K#>O\ 7S/$K[PMJ_\
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M2V2.23VJ]X3U?3X]8\8S/<Q^4EZ)6/;:(U&?S!%=:FKZ=)KLFDI*IU!(O-=
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M003UXKM_(A\OR_*39_=VC%8^H>*-(TB\^Q2F0R\!E@A+[21D XZ$]J.Z[_\
M _R"W7M_P?\ ,X:TF31M5L4\.7T[VE[<;9]&N$):!6SEU[KCK65831V6FR::
MMUJ$-S/JMPK.TSJBX+;0S=>?0=:]9OM1T[2M-DU>\VP01IO>1D^8#^=68#;7
M=M'<1(C1R@2*2O7/0T6NK?UT_P @_K\_\SR"QN;BZG\)ZA=W-W-=K:W,>0SC
M=,I^0$>OUZU;TB36;FPN;T>*"+N6U99[4POF&4]V!)VX/' KUD11C&(T&#D?
M*.*AMV@F:8I!L*N4<M'MW$?S%/\ X/\ 7X_D%K'-> ]1DO;*[CE68/;RB,L9
MC+&W'5&/)'UKKJ:B)&N$15'HHQ3J;!*P4444AA1110 4444 %-=@D;,>B@FG
M44GL!XP_C+5HYYKBVUW-K<V5W+"]R4^5XSQA?X?3!YJ[!XPU2P43#5%OY9]#
M%Z(6*G9+D?= YQ@YQ[5Z2^@:1*NU]-M64L6P8AU/4TZ+1-*AE26+3[9)$7:K
M+& 0/3Z46TM_77_-?<)K6_\ 6Z_R_$X'P[=VX^)%L6UK^T9+K2 RN2#\Q?)
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MT\S),;*#S$7:K[!D#TI(M(TZ"WDMXK&W2&7ET6, -]10E;^O3\_U$T_Z^?\
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M;Q#'.MK;:$+RZ@BCDNE@4[07Y"J2PP0.YS6])X%T"6*XC>T)6XNQ>/\ .?\
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M5;4;U=.TZ>\:*6584+E(ERS8]!7C&GS23W&@6^JW.JM&EG<QW43I,%# G9G
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MOOW7<+[K:3/W%8C<PQ['%>B(ZR1JZ'*L,@XQ3Z7&GJTQU%%%(84444 %%%%
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M.AU'5;#2(%FO[J*VC=@BESC<QZ >]6U*LH88P1FO%O$<EU)_PDR7.JM/Y=_
M(8953"<CD8&>*V;KQ9KVGW%YI27<-Q-]IBAAN) D7EAUS@G:1],@T)W5^_\
MP/\ ,&[.W8]0P/05C3^+-"MKN2UDOT$D?$A5&94]F8#:#]35#3I/$4GA?48M
M3>UDU.-76)K:3<3QQNPJC=]!6=\/GTM_A]'#,\65#K?+(?F$F3NW]\T^K\OU
M"^WF=C!>VURZI"^_=&)%(0[2IZ'.,51T&_N+\:C]H93Y%[)#'A<848Q_.N)U
M?5=2B?7-(L[];:QMM-2:T,,0#J#QR6SGBLO0=8U70E5YKZ1M.NV>&+;"A+7.
MU<,3COZ#CBES)_UZ_P"0?U^7^9[!@>E-EEC@B:65U2-!EF8X %<SK>JZEX<\
M&"[EE^TWP"*\SQ@!2QP6(4 8%<GXCU+6&TW6M'GU;[5$+%;E;Q(8U89/W" ,
M8/8XS0W:]AIK2YW*^+] :PNKU=04V]J?W["-\I[D8SCWQBH8O'/AN6>S@CU'
M,EZ,VZ^1)^\'J/EJ70M/#^$[:WN9OM1FM55Y&15)!7I\H XKRVYU*YM;*W6-
M<2>%KLM<';EO*)P!^1INRGRO^N_Z$IMQYE_78]>M-;TV^U*YT^WG+W5M_KD,
M3#;^)&#^%:&!Z"O/KC5;B#18+ZTO&M;W6+C?#MA5W=<< ;_E7CU!^E4+?QAX
M@DT*POIY6$2^8+N6TBCD==IP&9#C*^I6EY/H._5'H=GJVG:A=W-K:744TUJP
M6=$.=A]#5A+F&2YD@4MYD8!8%"!S[XP?PKR,:K>66I^(]8TO4(T57MG8>0N)
MPP .<].O;FM+5O&'B.U;7A#=62FS: P_N,X1\9'7D\]:?1?UV_S#F1Z?@>E+
M7FMSXGUZP76+<W\=Q);F!DE,*AXU?[V% PQ'88/XUEWMQXGN;.*XN_$-]'9O
MJ4<=NSV<4)DC_O,I0$<^OY4)W?\ 7E_F',K'KV!Z45YD_BW6GM+O5;?4(L6=
MZ+4Z>\2?O5SC<3C=N/48.*A7Q9XC#7%U-J$ 2WU9+3[.MNH5D;L2<G(^M"U_
MKT_S0G))?UY_Y'J$C)'&TC_=4$G S7-I\0?"S[L:D517V,[VTJHK>A8K@?B:
MZ8'*@^M<#H%QIT/AOQ))J;PBR%Y/YGFD;2/2I;M?R5_R*6MO-G;"^M6>!4DW
M^>-T3(I96'KN' JSWS7CW@_5=>TBTT33A+ EG<VUQ+#%,F& 4Y3+$\#%/U?Q
M#J]WH,UM<:M>V6H130&6)K>(?*SXRKKD,GI].:M[V7]:V)4M+L]%N/#UE)X@
MCUZ66Z^U01E%"S-L"]QL'!K4MYXKJ!)XLE'&5+*5/Y'FO/+'5_$=U<Z^B:[
MR:7&# 4MD*R@IG+]_P#ODBG:/XDUKQ!_9]BNIQ6%R]@MVT_DHPF8GD!3QM'?
M'-);67]7N_T'?K_71?J>C8'I1@>E<'H<]ZWQ(U.*ZULS1K;1;(0J!&)!SM[_
M )&J^K>)]8-UK\MI?Q6?]C%=MI)$I^T#@Y8GD ]!C%*^P7.PU3Q!I&C211ZC
M>1P/)C:"">IQDX!P,]SQ3]1UO3-(ACEO;I(Q)_JU +,_^ZJ@D_@*XO2DNM0^
M(\EU/?2*LFG12-:-%&0 <_+G&< _C4L;)#\9+DZDP0/8HNG>9PIY^<+[YIJ^
MB[W_  O_ )"YM&UTM^-O\SLM.UC3]5\S[#<K*8\>8H!#)GD9! (/UI;W5M/T
MZ>V@O+N*&:Z?9 C'YI&] *YGQ'J<.F:M;0Z9-%:W6I7 @NKP*&$6%XSGY=QZ
M#-<Y?ZG?7UY966H2QW$MAKB01WRHJ^:"A/0< C/..*2=VK?UM_F-NR?]='_D
M>K4F!Z5Y>GBW5X;2PEN-;A5_[9DL9?-BC42("0,\#!&!TQUHMO$WB:2WM;F7
M5K7,FJO8/&ELNPKD@,,\Y&/7'K0G?;^MO\T#=M_ZW_R9Z'<ZMIUG?VUA<744
M=U=9\F$GYGQUP*L374,$L,<A8-,VU,(2,^Y X_&O)Y[_ %#4O$6EVUWJ*&[L
M]7GM8[T0H&V^7D<8VYY]*O67C'7UU;3K6ZN[:2T-]<6LEP(0#.L:Y#C' ]#@
M=J$]$_ZMI_F)RLW_ %W_ ,CU# SG%%>=^&/$^KWOBR"UN+X7>GWEL\\+-"D?
MW6P-H7D#']XDUZ)3Z7'?5H3 ]*6BB@84444 %%%% !1110 4444 %%%% !2,
MJNA5@"K#!![BEHH P8_!/A>&831^']-20-NW"V7.?7I5^^T72]3\G[=I]M<>
M2<Q>;$&V'V]*OT4 <E:>"T_X2N_UG4C87J3E#!$;3#0;!@88L>WL*V9O#>B7
M$\L\VDV4DLS!Y':%268="3CJ*U**+:6#S,NW\-Z):V$]A;Z3916DYS+ D*A'
M/N,8-5I/!?AB5I&DT#36,H D)ME^;'3/'-;M% &-'X1\.PRM+'H>GK(T?ELP
MMUR4Z;>G3VH;PGX>>&"%M%L#';MNA4P+A#ZCCBMFB@#(A\*^'[<YAT6PCS*)
MOE@4?./XNG7WJ[?Z98ZK:FVU"T@NH"<^7,@9<_0U:HH R+CPMH%W';QW&CV,
MJ6W^I5X%(C_W>.*NWFG66H6ZV]Y:0W$*D,(Y4# $=#@U:HH PCX+\,$,#H&G
M?,_F-_HR\M_>Z=?>KT>AZ5#J!U"/3K5+PC:9UB ?'UJ_10!3U+2=/UBV^S:E
M907<&<^7/&'7/T-5IO#.AW%M;6\VDV4D-J<P1M"I6(_[([5JT4 4)=$TJ>_C
MOI=.MGNXQA)FB!=1[&H1X:T,2F0:19!RYD+"!<[CU/3K6K10!F#PYHH@N(!I
M5GY5R<S)Y*XD^O'-02^$?#DVWS=#T]]I#+FW4X(Z'I6U10!DR:3-<ZK#<74T
M#6ELV^WA2$AE;&,LQ)S[8 J>UTFVM-2NK^-<37. ^  #CZ=?QJ_10*QB7/@[
MPU>7$MQ<Z%I\LTQW2.]NI+GW..:LV7A[1M-NVN[+3+2WN&7:TL405B/3(K2H
MH6FPS*O?#&A:C+)+>Z/8W$DA!=I8%8L1TSD4U/"OA^/S]FBV ^T+MEQ OSCT
M/'-:]%%@(+.RM=/MEMK.WC@A7[L<:A0/PJG)X=T674!J$FE6;7@_Y;F%=_YU
MIT4=;ATL9C>'M&>]FO6TNT-U,NR68PKN=?0GN*YW0/#<HN;J.:.*#2[?47FM
MK46Y4Y &#NSC;Z #\:[6BA: QDL4<\3131K)&XPRL,@CW%98\+: +![ :-8_
M9)&W/#Y"[&/J1BM>BBP$%G96VGVJ6MG;QP0(,)'&H55^@%1-I6GO]IW65N?M
M7^OS&/WO^]Z_C5RBAZAL4KG2-.O+:*WN;&WEAA(,<;Q@JA'3 [57;PQH3QB-
MM'LB@;=M\A<9SG/2M6B@#$D\&^&I6E:30=.8S$&0FW7Y\=,\<U&W@CPL[,S^
M'M-8MC<3;+SCIGBM^B@#E-8\!Z5>VY_L^RT^SN&92[M:*ZR@?PN."1^(J32O
M!=A:1RB\M-/D\W;N@M[7RX,CHVPEN??-=/10M :N9S:!I#Z@M^VF6AO%&!.8
M5W@?6JC^#?#,F_?H.G-O?S&S;KRW]X\=?>MRB@#-TW0['2K6:VMH56&9BS1[
M0%YZC XJI#X*\+P3":+P_IJ2!MP9;90<^O2MVB@/(S;KP_H][>1WEUIEI-<Q
MKM262%2RCT!["D7PYHJ03PKI5F(K@@RIY*X<CIGCFM.B@#(B\+:#!]I\K1[%
M/M*[9]L"CS!Z-QS2-X4\/M9PVC:+8FW@.8HO(7:A]ACBMBB@"I'I=A%>"\CL
MH%N0@C$HC 8*.@SZ5%=:'I5]>QWMUIUK-=1?<FDB!9?H:T** ,U/#VCQZJ=4
M33+1;\];D1#S#_P+K4VHZ5I^K0"'4;*WNHP<A9HPP'YU<HHZ6#S*#:)I3:;_
M &:VG6ILO^>!B&S\JKOX6T&2&VA?1[%H[4[H%,"XC/JO'!K7HH\PMT,MO#>B
M/</.VDV32R/O=S N6;&,GCK54>"?"X4*/#^F[0^\#[,O#>O3K6]10!C+X1\.
M)%-&NAZ>$G;=*HMUPY]3QR:EE\-Z).]J\NDV3M:C%N6A4^5_N\<5J44!8RH_
M#.A0G,6D62$;@"L"C[WWNW?O6C!!%;0)#!&L<2#:J*, #T%244 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 445%-<PVYC$TBIYC;5R>I]
M* ):*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M&.WA2&) D:#:JCH!3Z*AN[N&QM9+FXD"11C+,: &7]_;:;9R75W*(X4')/\
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MNUN;R$2O;$F,,> 3[=ZS_P#A&;O_ *&C6?SA_P#C=!\-78&3XHUG'UA_^-T
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M:B\+W5A$[0C:A!*X'IP1D>QJO<>#?#]U<R7$VFH99(_*8B1URG]W .,4K/\
MKY_\#[AVU_KR_P"#]YQ5[XV\1VEO%<1MI\GVG3Q>+&R,!$01D9S\W7VIGB+Q
M-XCMK6>T%_;@RV:723P0G,62 5//OUK?U[X=:9=:2\.CV=O;WGE^5%+-)(1&
MG< 9-:VF>$M,M='-E<6,#M-$$N<%F#X]"3D#VH:O?^N__ !)JW]=O^"<S:>(
M]?CO]0@GO+66WTVS2XS%"2\^1T//RG\Z9)XBU.XM+-;Y[2\LM8M9&$<<># 0
MI.#R=P]^*[&P\+:)IEY)=V=@D4TB>6[!F.Y?0@G%,B\(Z# )Q%IL:B<%7 9N
MAZ@<_+GVQ1)737]=?^!]P)-?UZ?\$\YTJ:+3SX5ODB1I(M.G8[0,L!G S6@_
MB[QE#HMSJS6E@+1H/-A:21<KST 5B3QZXKLK?P5X=M9K:6'3$5[92L)\QR$!
MZ@ G&*<W@WP^UM/;'34\B<YDC#L%/T&>/PIRN[_UU8HJQ'#J5]8>$9=7OIDN
MY1!YX6.+8!QG'4Y^M8$'B/6FGL(IKJUFBU:V>2-X8N;9@,\\_,/?BNXM[*VM
M;)+.&(+;HNQ8R21CTYK.MO"FAV8F^SZ>D?G*5?#-T/4#GY1],42U;[?\/_P!
MJZ2[G.?#JSG'@];J:X@EN"91%*+<!H^3WSSS]*Y.TDU*^F\,W5QJ$,]^]].J
M3/#@QC!XZ\_3BO6-)T/3="M6M=-MA;P,=Q0,S#/XDU0/@GPX9TG_ ++C$D;F
M165V&&/4C!H>LKA;W;>IQ\?C3Q)?16^GV$-O+J.Z4/+\JJVQL# 9AU[\FMOQ
M/>:S)\,;RX,2Q:D8,2K ^X+_ 'L$>U:J>"O#D< A33(U02&48=\ACU(.<BMN
M.WBBMQ D:B(#:$QQBDU>+0XW4KG,Z99Z'=>"+&','V0Q(RN,</Z_7-<Z/%^M
M1:9;2F\LMXU-K-P\6 Z=C][@_G7:6WA71+.[-S;Z?''(3NP&;:#ZA<[1^5,G
M\'^'[F6:6?2X)&F?S'W9(+>N,X!^E.3;=_ZW7Z$J-HV_K9_\.<1_PEWBAO#/
M]M"XT\;KW[*8?*;"C?MW YY^F!5VZ\0>+?[7FT[34MKM[,(TTCA(A(&&3P7R
M !W&:Z4>"?#@T[^SQIB"T\WS?*\Q\;_7K5R?PYI%S<PW,MDIGA4*CAF!P.@.
M#R/KFC^OP_S'9_UZ_P"1PS>,?$2F^N)7L8X[+4([9H40MO5L9^;(P>?2MO2M
M4USQ CWUG?6-O;^;)#]GDB+.F. <YZY[8_&M&3P-X;E$P?3%(GD$L@\U_F8=
M#][K5A/#&E6MRU[9V,<=V!\K;V"DXX)&<'ZXS26VO]:+_@@T[Z'/^']=UO4K
MN+3+BZA&H6L[B_ M\#8/NX^;C/K7<UD:1I4MI<W5_>>0;ZZ(\PP@[0 ,  GD
MUKT^FH+=A1110,**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHH
MH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
M HHHH **** *]_;M=V,T"2&-G7 <=J2QAG@MPMS*LDG^PN%'L*LT4 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !14<T\-M$TL\B1QJ,EF. *Y'4_B9H%@Q2
M&1[N3TA''YUI3I3J.T%<SJ5J=-7F['945Y>?'WBC4W7^R="*QGJSJ6_7C%+_
M &GXY8DW%YIUDN,YDD7_ !KH^I37Q-+YG-]>IOX4W\CT^BO*#JGB3J?&.D+[
M;Q_A2C5?$H(QXPT=_;>/\*?U*7\R_'_(7UZ/\K_#_,]6HKR_^U?'<;9@FL+U
M1SF-U.?PS0GQ$\0Z:2-7T%L9^\BE>/ZTOJ51_"T_F/Z]37Q)KY'J%%<EI7Q%
M\/ZF51K@VTI.-DPQ^O2NK21)4#QL&4]"#D5S3I3INTU8Z:=6%17@[CJ***@T
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH ***Q_$'B.P\/633W4J^81^[B!
M^9SZ 548N3Y8[DRE&"YI.R-*ZNX+*V>XN95CB099F-<1=?$=;^0V?AVQEN[E
MN!(RX1?<URMVVJ^)BNI>(+DV>E[LQ6RG#2>@5>Y]ZZ;2?#>H:C;+&T*Z-I1_
MY=XA^^E'^VW:N]8>E25ZCN_P_P"">=+$U:TK4E9?C_P#D[JWOM8U18=9UB2Z
MD)P;6RR^#Z<?**Z>S\(W=L%&F:+96IQ@SWK^:Y]\#@&NWT_2=.T:W\JSMHH$
M Y(')^IK/USQCI&@[5NIRTSKN2.,;B:3Q4ZCY*2_KT7_  1QPE.FN>K+7^NK
M_P" 9Z^"[FZ .J:]>S'IL@/E+CTP*N1>!/#D3*W]G*[#G+NQS^M8OB#QQ>QK
MIMII%IB^OT#A91R@/3(K)@O?%NK:EJ.BW=T;2\6(2(8Q\HQV!]Z:IUY1YG+E
M7W?@@=3#QERJ/,_O_%GH(\/:,/\ F%V?_?E?\*0^'M%88.EV?/\ TQ6O(H=<
MU'^PKNRFU:[&J?:UC2//([=?2O5_#.DW&CZ4(;J^EO)7.\O)U7/85G7HSHJ[
MG^9I0K0K.RA^13D\!>''+%;'RV/1HY&!'TYJH_@V_M5/]F:_=*".8[D"53[<
M]!7'^+I-6TKQO'!8:S<*]T0P#M\L>>V.F*U?#_C+5[;Q#<:1J[QW:Q(S>;",
MG@9[5M[*OR*<97TO9_\ !,/:T/:.$H<NMKK_ ( M]X.FN8W.HZ';O)U-QI\F
MQO\ O@\5SVE'5M+OS!HNM#<#@6EYE"?;#<?E7J&C>+-(UP 6ETOFXRT3\,/P
MJQJF@Z9K46V]M8Y#_"X&&'T-2L5.%X55_7H_^ 6\)":4Z,OZ]5^MSF+'XDV<
M<@M-;MI;&[4[7)7*9]1[5VT,T5Q"LT+J\;C*LIR#7G>M^'[VPMS'>VG]LZ6O
M"NHQ<0#Z]Q6%8:AK'A +>6$QU#0W;[N<E!Z$?PFB6&IU5>D[/\'_ )>C%'%5
M*4N6JKK\5_FO-'LM%9VC:U9:Y8)=6<JNI'S+GE3Z&M&O/E%Q=F>E&2DKK8**
M**0PHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBN?\6>)8?#FF&0?/=R_+!$.K-50A*<E&.Y,Y
MQA%RELBMXR\5QZ#9>1;$2:E/\L,8Y()[UPEOIDWVR,ZD7U+Q!<<QP,<I;@_Q
M/_A3[#2[E];@GO9FN-?N_G2/&5ME/\3?3L*](T/P]::#!(X8RW,GS3W,GWF/
M^%>BY0PT.6.K?X_\#\SS%&>*GS2T2_#_ (/Y$.D>%K6Q2.>]/VV^')GEYV^R
MCH!4'B7QG8Z AA3_ $F^(^6"/D_CZ59&O:7K?VG3-/U2,790J"AY7W%>7:KH
M][X2UTP,ZW*7ZA4NILY!SSS6="E[6?[UZ]C3$5O8T_W*T[[G6Z^K^*_"O]MZ
M?J4\"QP$O;H< L.H-<,C26&EJU^AN=-O(<07.,M"X[9[<UT,.LW.GZJFBZ?!
M;2Q74)26U@Y6*0]]U:NB>![ZQTMK;6+Z)M.VLTEL%SM)[@UU1FJ,;2VZ=[')
M*#KSO'>UGVO_ )'-:A<W-Y9:'XH@WNUIB&Y*#D;3U_$5O6?B&X\1>.[.XT=)
MQ8QQXN,I@'ZUUWAO2-'T[2FM],*S6\ARY+;]Q]ZQK?Q8UOXO;0H]&$$98+YB
M@*/J<5BZJGS*,;V3^[T-U1=/E<YVNU>W=>?F<K?6>MWGC--8A\,NJPR89,<.
M0?O&O6_,<6OF&/\ >!-VSWQTK-\27U[IVBS7-A#YTZXVI@DFK&CW-U=Z5;W%
MW&L<TB@L@[5S5JCJ0C)I)+0ZJ%-4IRBFVWJ>-7>H)>>-&U/Q%I]PEB25,94G
M&.E/\+ZB-,FUV^MX?]"6)A&SKR">% )KO+3Q;_;'BB71I='\V",D>80& QWY
M[5KZ[8Z*=(FT^\\FTAN!P5 7D=_K7;+$62ISA:Z76^APQPW,W4A.]F^EM3A#
MIMKH'PW:]GB']I7WW'Z,"QX J[(=<\&^&(M3.I"Z,NS?%<'[OLOJ:DE\ 7]Q
M#;FXUI[NRM1YD$.WDXY KG]5U"]\<:Y!I#@:9';H2L4QZL*J+51[W5VWZ=$1
M).DMFG9*/KU9Z3X<\6Z;XCMU\B0+<A<R0-PP_P 14.L^$XKE'GTMQ97A.X[1
M\DOLR]*XWPAI-UKGB--<3[/:PV9\ETA_C(&/UKK(?'%J/%$^B7L1MG1L1R,P
MP_\ A7)4I.G4?L>FK7;_ #.RG6C4I+V_5V3[_P"1P<EK<VMQ-?: \EGJ-L<W
MEAG@XZLH[BO2?"_B:U\1Z<LL;!;E!B:(]5-+KGAJ#5GCO+=_LVH1<QSIW]F]
M17FSVMUIFIW.JZ/NAU"U;-Y8GHR]V7U4UK[F)A;9K^K/R,K3PL[K6+_JZ\^Y
M[-161X<UZ#Q#I$5["0'(Q(F>4;N*UZ\Z47%N+W/3C)3BI1V84445)04444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 5[V[BL+*:ZG;;'$I9C]*\?BN;OQ#J\OB.\4^3$VRQ@/\ RT?^$ ?J
M:Z#QYK!U/5[7PS;2[49@UTP/1?2KWA33EU/4/[6:/;I]J/(T^+'&!P7^IKTJ
M,50I.I+=_E_P?R/,K2=>JJ<=E^?_  /S-SPSH!TFV>XNF\[4;D[YY3USZ#V%
M8?C_ %W4[6!M-TZQF<21[I;A5R%3N![UL^+==ET;3T2S42:A<MY=O'ZGUKG?
M#GC]'\ZP\2M';W2/Y?(X;US6=*%23]NX\WD:59TXKV"ER^?]=3BK6:&WUJWU
M+PO832BSAW3B0_Q=ZZBZNKWXE6T%I!9FTAA<--+*/SVFJ-MX:&L>,YVT1Y(-
M(W!I94;Y7YY KK;_ ,8P:1XD@T*.U4[W4&1>B@]<CUKKK3O)>S5Y)7\UZG'1
MIVB_:.T6[>3]!?\ BG_ *VL"0?O+A]AD W.3ZGVKHM4L$U;2Y;4R.BRKPR-B
MI+S3K2_\LW,"2>6X=21T(Z59!7.T$9 Z5Y<JE[2^UU/5C3M>.G+T1D>&M C\
M.:2MC',TJAMV6&.3UINN&ZM(Q-IEI:/<R.-TD[!0/QK9) !)Z"O'/$^MW>L>
M)[-\LFDQW8AC(. S \DUMAX2KU')_,QQ%2%"DHKY'82Z=XODMY)[G7;:V3:6
M98XL[1]:P],74M0NEBL?&R33,"0ACZXKT:\98],G;&Y1$>!SD8KR?X5>0WB6
M^9D;S2A*?+P!FMJ,G*E.=EIY(PKQ4:L(7>OFS=;6->\+7J-K6G0W=MG'VRW3
M! /K70Z_H=KXRTF#9>%81^\0I@@GWKH9HDGA>*10R."I!%><> ;F:R\0:OX>
MFW"%&9HU)^[S_A6<9<\74AI*)K*/LY*E/6,CO+=8M*T955R\=O%U+9S@>M<W
M:'1_'5M=7,-MY%S'F))R,.,CK5#X>7<S7^MZ9*YD@AG)0.<XR>E=Q:6-KI\)
MCMH4B3))"BHJ+V,FOM=RZ;]O&+^SU1YQ#J]U\.M-ETNZLS.2&>&>-?E)/0$U
MREM87-S?WDFIV3RS2J)VN-Q_=*>>/4^@KT>P\1V?B[4KW0Y[)##&&5F<_>P<
M<5RD^G2^'O$%J/$-]*NEP2'[(5YW8Y^;Z>]=]*=G)25IO7U]#SJU--1<7>"T
M7EZ_YG>>"9]3G\/1MJ:$,#B)F&&9.Q(]:C\4Z#)<A=6TP!-3MAD8Z2KW4^M8
MMY\4;0NT&CV$UY(N<$#"X]:Z;PKX@7Q)HZWGE^5(&*2)Z$5Q3A6IR]LXV1WT
MYT:D?8J5WW/-K'4YO"FOQZG$I&D7Y_?1@?ZINX([$&O8()H[B!)HF#1NH92.
MXK@/%&E0Z?JDAG&=*U8[)>.(9OX7'I4_P]UAT%SX=O'S<6+$1DG[R5KB(JK3
M56.Z_+_@&6&DZ-1TI;/\_P#@G>4445YQZ04444 %%%% !1110 4444 %%%%
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M8J\9KJORT'@).TH/H_SU%HHHKA.\**** "BBB@ HHHH **** "BBB@ HHHH
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MBO66NL-PKMMC!],5K/WW[\M.RU9C#W%[D=>[T0_^W]?\2P/)HT T^Q4$M=7
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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M6YFN7WQDI@1@\\#UJ7Q1KLMH$TO3?GU.Z&% _P"62]W/IBN"IRU*G+2OKO\
MUY'H4N:G3YJUM-K?UU,/Q-JD6HZK(DYQI.DGS)SGB67^%!ZT_P"'ND/+)=>)
M+M,3WC'R@1]U*YBVTZ?Q5K\>CV[L=*L3FXE'_+5NY)[DFO8+>".UMXX(5"QQ
MJ%4#L*VQ$E2IJG'=_E_P3'#Q=:JZLME^?_ ):***\X](**** "BBB@ HHHH
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MNG0XK/1)(6(C\J7SARZXQP>QJOX"M=4T[2VT[4-/2V6 X216SYA[FD7QM-:
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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ME%3+&O[$4OQ+C@%_R\DW^!QNE_#30=/*R31O>2@YW3'(_+I77Q11P1A(D5$
MP HP*?17+4JSJ.\W<ZZ=&G35H*P4445F:!1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %(S;49L$X&<#J:6D)(4D#)QP/6A@<I+XMN]-U%XM8TY;
M>W>UDN8'CDW-M3DJXQP<>E%AXKOKB5[6;3%6]DMUNK6*.3(:-C@;B1P1WJG)
MI^LZ]-?Q:CHPM#<P/ ER;I7$2=@J@9R3@FBRTW7[>Z?6);")KVUL%LK>V$XQ
M,0<ERV. >.*2??\ K?\ X G>^G];?\$T]/\ %+F#5%U6V6WNM-D"2K Q=9-P
M!79P"2<@8]:N^&-;;Q!H,.I/;_9VD9P8BV2NUB.3^%8=IH%[J]HPU""[TF99
MO/,L%TK/-(002<#&!T I/#7@^^L?#=O97>KZE!-'-)(PAN <@L2!G;TQS]2:
M?KY"U+*>,7;459K1!I+W3627/F?/YHSDE>FW(QUSFF6GC.>>X@:33L6MZ)/L
M)1\O(4SD,.@S@D51B\*:E]HCTEXHQI4-^U\+GS/F8,2VS;Z[CU]*2P\/:S:S
M:='):1-#HGFM:LLP!N2P(0?[. ><U*VU_K3\[C=[NW]:Z?A:Y>D\87NG1:NF
MIZ8HNK"%;A5MI"ZR(W Y(X(/6H[?QX(-*U"[U6VC4VK((VM9"\<Y<94*2!SZ
MU&EEXCOM)U16TV.PU*ZCYGDG60.>R# X4#/7UK*LO!VKV]FTMO9QVL5O>17=
MKI;3AU!4?.-W0;NWI3UZ^7Y_Y []//\ ([?P[JLNLZ6+V0VFUV.W[-*9 !Z$
MX'([UFP^)-2U6]NQHNGP3V5G*8999I2ID<=0@ /3IS5;1O"EVMO<S7%Y=:=+
M=7CW36]G* %!Q\I..>G:H](TS7?"US>V5E917UC=7#7$4QF"-"6ZAP>HSZ4W
MO\OQT_X(M;?/\-?^ =;8SRW-C#-/ 8)70%XFZH?2K%1P"58$$[*TH'S,HP"?
M:I*;W*04444@"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
/"BBB@ HHHH **** /__9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>9
<FILENAME>g736421g23w93.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g736421g23w93.jpg
M_]C_X  02D9)1@ ! 0$#P /   #_[1]24&AO=&]S:&]P(#,N,  X0DE-! 0
M     !<< 5H  QLE1QP!6@ #&R5'' (   (    X0DE-!"4      !#'71?E
M=+5N]=N^.93 Z7E<.$))300Z      %1    $     $       MP<FEN=$]U
M='!U=     <     0VQR4V5N=6T     0VQR4P    !21T)#     $YM("!4
M15A4    $0!! &0 ;P!B &4 ( !2 $< 0@ @ "@ ,0 Y #D .  I
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M<P   !<     0W!T;F)O;VP      $-L8G)B;V]L      !29W--8F]O;
M    0W)N0V)O;VP      $-N=$-B;V]L      !,8FQS8F]O;       3F=T
M=F)O;VP      $5M;$1B;V]L      !);G1R8F]O;       0F-K9T]B:F,
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M;W @56YT1B-2;'0               !38VP@56YT1B-0<F- 60
M !!C<F]P5VAE;E!R:6YT:6YG8F]O;      .8W)O<%)E8W1";W1T;VUL;VYG
M          QC<F]P4F5C=$QE9G1L;VYG          UC<F]P4F5C=%)I9VAT
M;&]N9P         +8W)O<%)E8W14;W!L;VYG       X0DE- ^T      ! #
MP     $  0/      0 !.$))300F       .             #^    X0DE-
M _H      @H  0OT3U(P,C%#  #__P          __\          /__
M       44$%.5$].12!/<F%N9V4@,#(Q($,
M
M
M
M
M                                                  #_________
M____________________ ^@     _____________________________P/H
M     /____________________________\#Z     #_________________
M____________ ^@    4__\          /__          #__P
M__\          /__          #__P          __\          /__
M      #__P          __\          /__           X0DE-!"H
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M_(&!_8&!_8&!_H& _H" _X" _X" .$))300-       $    'CA"24T$&0
M    !    !XX0DE- _,       D           $ .$))300*       !   X
M0DE-)Q        H  0         !.$))30/V      !( #4    ! "T    &
M       ! "]F9@ ! &QF9@ &       ! "]F9@ ! *&9F@ &       ! #(
M   ! %H    &       !.$))30/Y      !P  #_____________________
M________ ^@     _____________________________P/H     /______
M______________________\#Z     #_____________________________
M ^@  #A"24T$"       $     $   )    "0      X0DE-!!X       0
M    .$))300:      ,U    !@              IP   4T          0
M                       !              %-    IP
M       !                         !     !        ;G5L;     (
M   &8F]U;F1S3V)J8P    $       !28W0Q    !     !4;W @;&]N9P
M        3&5F=&QO;F<          $)T;VUL;VYG    IP    !29VAT;&]N
M9P   4T    &<VQI8V5S5FQ,<P    %/8FIC     0      !7-L:6-E
M$@    =S;&EC94E$;&]N9P         '9W)O=7!)1&QO;F<         !F]R
M:6=I;F5N=6T    ,15-L:6-E3W)I9VEN    #6%U=&]'96YE<F%T960
M5'EP965N=6T    *15-L:6-E5'EP90    !);6<@    !F)O=6YD<T]B:F,
M   !        4F-T,0    0     5&]P(&QO;F<          $QE9G1L;VYG
M          !"=&]M;&]N9P   *<     4F=H=&QO;F<   %-     W5R;%1%
M6%0    !        ;G5L;%1%6%0    !        37-G951%6%0    !
M   &86QT5&%G5$585     $       YC96QL5&5X=$ES2%1-3&)O;VP!
M"&-E;&Q497AT5$585     $       EH;W)Z06QI9VYE;G5M    #T53;&EC
M94AO<GI!;&EG;@    =D969A=6QT    "79E<G1!;&EG;F5N=6T    /15-L
M:6-E5F5R=$%L:6=N    !V1E9F%U;'0    +8F=#;VQO<E1Y<&5E;G5M
M$453;&EC94)'0V]L;W)4>7!E     $YO;F4    )=&]P3W5T<V5T;&]N9P
M       *;&5F=$]U='-E=&QO;F<         #&)O='1O;4]U='-E=&QO;F<
M        "W)I9VAT3W5T<V5T;&]N9P      .$))300H       ,     C_P
M        .$))3004       $    !#A"24T$#      /A@    $   "@
M4    >   )8    /:@ 8  '_V/_M  Q!9&]B95]#30 "_^X #D%D;V)E &2
M     ?_; (0 # @(" D(# D)#!$+"@L1%0\,# \5&!,3%1,3&!$,# P,# P1
M# P,# P,# P,# P,# P,# P,# P,# P,# P,# $-"PL-#@T0#@X0% X.#A04
M#@X.#A01# P,# P1$0P,# P,#!$,# P,# P,# P,# P,# P,# P,# P,# P,
M# P,_\  $0@ 4 "@ P$B  (1 0,1 ?_=  0 "O_$ 3\   $% 0$! 0$!
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MI &?%P\1U($8\6G^,Z?U78\];Q7[3M!=+HT^@_NO0E"JJNJMM530QC!#6C0
M!35[E.6]C&8<7%9XMJZ.7S_.?>LHR</!PQX +XNLI7_SE)))*PU%))))*4DD
MDDI22222E))))*4DDDDI22222E))))*?_]#T#ZRO8>B9;0X3#=)U^FQ<!C_T
MBK^NW\JN=8Q<D=1S;32\5^O8=Y:=L%[H.Z-JH $F!J3P%@<YG.3,"8</!Z:_
M>X9/5_#N6&' 8B?'[AX[KY>*,?2^JBRLF X$^ (3&VH&"]H(\PN$^K>'EU];
MQGV46,:"Z7.8X >Q_<A9W4_^4LO_ (ZS_JG*]+XB1B&0XJN1APF78<7%\KF1
M^#QEF.(9[J R<0C^]*4>'Y_ZKZ<'-<):01XA,^QE;=UC@QH[N,#\5A?5S)9B
M?5K[39]&KU'D>,$^W^TN0S^HY?4+W79+RXD^UOYK1^ZQOYJDS<_''CQRX;ED
MB)"%_+_A,/+_  N6;-EAQ\./#(P,ZUD1^[%]&;U# <=K<FHGP#VS^5'!!$C4
M+S2[I'4Z,895N.]E! .\C@'C<WZ3?[2L=$ZYD]-R& O+L5Q LJ)D '\]G[KF
MJ*'Q(B8CEQ'&)=?V\,F?)\&!A*6#,,IC^CIJ1^CQ1_2?1%"RZFH;K7MK'BX@
M#_I+-^L/5STS ]2J#?:=E4Z@:2ZS^PN$'VWJ.4&R_(R+3 DR3]ZFYKGAAD,<
M8G),]//9K\E\,ES$#EG,8L0O6KOA^;_!?269^#8[:S(J>[P:]I/X%'7G.;]7
MNJX-'VB^K]$/I.:X.VS^]M5OZN=?R,3*KQ;WE^):0R'&=A.C7,_D_O*.'Q C
M(,>;$<7%L?-ER?"8G%++RV89N&[C_=[2C^D]RY[&_2<&SQ)A)KV.,-<''R,K
MEOKW]'#^-G_HM<]T_J5O3QD.H);;=7Z;7C\V7-<YW];:U.S?$!BS'%*'I'Z5
M_P!7B^5;R_PDY^6CFCDJ4KJ'#II/@^?B?2#D8XM%)M8+3Q7N&X_V?I)_5J_?
M;]X7GWU;)=U[%+C)+G$D\SM>@];I]'J^77V]5SA\''>/^J3/])'VO=]O3C..
MN+^KQ?NLG^AX^_[/O&_;&6^'^MP?O/I(<'"6D$>(2) $DP!W*P?J7;OZ2YG^
MBM</D0U_\4;ZVV^GT2UO>QS&?]+?_P!\5L9P>7]ZOT./A_[FV@>5(YO[MQ?I
MC'Q5T/Z7"ZWJU?OM^\*:\OZ?3Z^=CTQ/J6L:?@7!>H*/E.:/,"1X.#A-;\3+
MS_(CE90B,GN&8)^7AX:_PI/_T?0?K-_R'E?U6_\ 5L7G^-_2*OZ[?RKT#ZS?
M\AY7]5O_ %;%Y_C_ -(J_KM_*L?XG_NC'_='_2>B^"_[ER_WY?\ 0@^J+S'J
M?_*67_QUG_5.7IR\PZG_ ,I9?_'6?]4Y2_%ODQ_WBU_@/\YE_NQ_-Z"DD?4>
MV/WB/_!6KFL?:<BH.^CO;N^$KL>B8GVWZJ.Q>#;Z@:3^\';F?]-<996^JQU=
M@+7L):YIY!&A"J\V"(\M.O3[41]8ZM_D91,^;QWZAFG+_!GZ?^Y?2^K-#NEY
M;3QZ-G_4E>9+M/J_]8*,^@=-Z@1ZQ;Z8<[BUI&W:?^$V_P">M+_FYT3_ +B,
M^]W_ ))6\^'[Z(9,4H@ $'BWOLY_*\Q_HXY,.>$B92XHF%<,H_O#B>?^N;R?
ML#.PK<?F=G_D4#ZEM!ZNXD:MI<1\98W^*L?7@!M^(T: 5N 'S"J_4^ZFGJCW
MW6-K;Z+AN>0T3NK_ 'E!/_MB+_>C_P! -K'K\)/"-X3_ !G)[+J;&OZ=E-=J
M#39/^:5YB#!D<KT?/ZA@.P<AK<FHN-3P 'MDG:?Y2\W3OBI!ECH@Z2V6_ XR
M&/*) CU1W>J^NCB_&Z>\\N#R?F*UA=(Z>>H]0JQ9VM=)>X<AK1N="W/KC_1.
MF_U7?]34J7U._P"61_Q;_P""9G@)\^(RU$C"_P#%BR<M,X_AAG'248Y3'SXY
MO78?1.EX1:['QVML9]&P^YWA]-RY'ZX4^GUES_\ 35L?]P]/_P!%KO%R/UZI
MBW$O_>:]A/P+7-_ZM7/B&*(Y8\,1$1,95$5_4<[X5GF>=CQR,C.,H7(\7^L_
M[EG]1;?;ET^!8\?/<THWUXMC!QZOW[2[_-:1_P"C%F_4FW;U.VOM94?O:YI1
MOKS;.3BT_NL<[_..W_T6H(Y/^#3X>C[9MJ6+_A@'H1[GV8_^^<[ZKT^KUO'\
M&;GG^RTQ_P!)>A+B_J13NS[[NU=6WYN</_(+M%/\,C7+W^](G_N?^Y:GQJ?%
MS7#^Y",?M]?_ '3_ /_2]!^LW_(>5_5;_P!6Q>?X_P#2*OZ[?RKT#ZS?\AY7
M]5O_ %;%Y_C?TBK^NW\JQ_B?^Z,?]T?])Z+X+_N7+_?E_P!"#ZHO,.I_\I9?
M_'6?]4Y>GKS#J?\ REE?\=9_U3E+\6^3'_>+7^ _SF7^['\WM?JC_P B5?UW
M_P#5%!^L?U;&=.7A@-RP/>S@6 ?^C%'H&?C]/^K=>3D2*Q8X':),EQ5FGZU]
M(ONKIK=9OM<&-EG=QVA31]B?+XL6641Q0A0)J6VDHL$AS4.;S9\$)$1R3!(%
MP^;U1D\$]EE3RQX+'L,%IT((77_5CZQNR"W SG3=Q3:?SH_P;_\ A/\ JU9^
MM/1:,O$LS6 -R:&EQ</SFM^DU_\ 5;]!<.Q[ZWML8=KV$.:1V(U!6>1DY'.*
M/% Z_P!^'_?.I$X?B7+&QPSCIXXLG]4_N/3?7K^DXO\ 4=^4+G,?&R,EYKQZ
MW6O W%K 7&/'1;_UQM]8X%W^DI+_ /.VN0_J5_RM9_Q#O^JK1YB R\\8$T)F
M(L?W(JY;(<'PT3JY8XR-'PG)S/V-U;_N'=_F._N3?L;JW_<.[_MMW]R])MM;
M34^U_P!&MI<Z.8 W%8G_ #SZ/X6_Y@_\DIY_#^6QUQYC&]N+A#6Q?%>;R@G'
MRXG6_#Q.?]<P6XO3@1!#7 @_"I4?J=_RR/\ BW_P6A]=WA]."]O#MY'P(K6?
M]3O^61_Q;_X)F7_MC'SA_P!%DP_]J97^[E_Z<WO%SWUUIW]+KM'-5HGX.#F_
M]5M70K,^LE/K=$RF]VM#Q_8(?_WU:7,QXL&0?U3^#B\E/@YK#+^O$?27I>0^
MJ]OI=<QO!^YA^;7?]^1OKA;OZTYO^BK8S_T9_P!_6;TNWT>I8MG[MK"?AN$H
MW7[?5ZSEN\+"S_,_1_\ ?5B#)_0S#_6C[.%Z4XOZ?')_J3'_  N/_P!">B^H
MU,8F3?'T[ R?ZHW?^C%TRQ_JG3Z71*3P;2]Y^;BT?]%JV%M<I'AY?&/ZH/\
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M4__9.$))300A      !5     0$    / $$ 9 !O &( 90 @ %  : !O '0
M;P!S &@ ;P!P    $P!! &0 ;P!B &4 ( !0 &@ ;P!T &\ <P!H &\ <  @
M $, 4P V     0 X0DE-!"(      2Y-30 J    "  ' 1(  P    $  0
M 1H !0    $   !B 1L !0    $   !J 2@  P    $  @   3$  @   !X
M  !R 3(  @   !0   "0AVD !     $   "D    T  MQL   "<0 "W&P
M)Q!!9&]B92!0:&]T;W-H;W @0U,V("A7:6YD;W=S*0 R,#$V.C S.C$P(#(P
M.C0U.C,W   #H $  P    '__P  H ( !     $   %-H , !     $   "G
M          8! P #     0 &   !&@ %     0   1X!&P %     0   28!
M*  #     0 "   " 0 $     0   2X" @ $     0              2
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M  4    !   !)@$H  ,    !  (   (!  0    !   !+@("  0    !
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M 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0'_P  1"  U &L# 1$  A$! Q$!_\0
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M![7RA OGVQ=QM9*Z]73:LY^%=NE1$J39M*L5UU1 HG$$T4ESJ'$"%,80*41
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MB[1':LU>-U6KE(WGM407(15,;=[&* X^=W8J_'KF:OYV'9.B 43MG<FR;+D
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MSD3*8ZARID*%S'.8"E*'WF,80  _>./&DDJNH1%!)1950=I$DB&44./G8A"
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..X8U^6+_QW_%_]LQ__]D!

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
