services to merchants, including merchant set-up and training, transaction authorization and electronic draft capture, clearing and settlement, merchant accounting, merchant assistance and support and risk management. In May 2010, Heartland launched its E3 end-to-end encryption technology solution to help merchants protect their businesses from data breaches. The Company also provides additional services to its merchants, such as payroll processing, gift and loyalty programs, prepaid and stored-value solutions, and paper check processing, and it sells and rents point-of-sale devices and supplies.