Mike S. Newton, CIM FCSI Vantiv VNTV-N PAST TOP PICK Aug 30, 2017

A payment processing and PIN acquirer. There are a lot of big players in the space, but because of its independence they are able to get into the merchant side of the business. Have more than 1400 individual merchants where they transact their PINs, loyalty cards, Visa cards, etc. Because they are not affiliated with a large bank, they also have the ability to go in and have a big referral channel of that big disparate US market that has about 1400 banks, which are all looking for a turnkey payment processing firm that is independent, with great technology from beginning to end.

A leading payment processor, working in the background. On chip enabled cards, they have really done a great job in penetrating the small and midsized banks. 1600 different merchants and 1000 different banks. Continues to do very, very well and capitalizes on trends.

(A Top Pick Sept 10/15. Up 20%.) A card processing company which sits in about 1600 regional banks as well as individual companies that have white branded chip enabled cards. It has open sourced technology, which third-party developers have been able to use easily. Still a Buy.

(A Top Pick July 19/16. Up 5%.) This approves or declines purchases that are made with credit cards. It has had huge growth. The biggest problem is that they don’t have Amazon. A great name and still a Buy.