
	Three Months Ended September 30, 2023
(In thousands)	Payment Services - Puerto Rico & Caribbean		Payment Services - Latin America		Merchant Acquiring, net		Business Solutions		Corporate and Other (1)		Total

Revenues	$	51,600	$	46,155	$	40,557	$	56,522	$	(21,636)	$	173,198
Operating costs and expenses	28,402		38,608		26,997		40,643		(1,014)		133,636
Depreciation and amortization	6,203		4,898		1,078		4,478		5,262		21,919
Non-operating income (expenses)	110		(2,148)		—		69		(28,712)		(30,681)
EBITDA	29,511		10,297		14,638		20,426		(44,072)		30,800
Compensation and benefits (2)	663		859		662		696		4,090		6,970
Transaction, refinancing and other fees (3)	269		3,451		—		—		34,363		38,083
(Gain) loss on foreign currency remeasurement (4)	(87)		2,885		—		—		8		2,806
Adjusted EBITDA	$	30,356	$	17,492	$	15,300	$	21,122	$	(5,611)	$	78,659

(1)Corporate and Other consists of corporate overhead, certain leveraged activities, other non-operating expenses and intersegment eliminations. Intersegment revenue eliminations predominantly reflect the $13.5 million processing fee from Payments Services - Puerto Rico & Caribbean to Merchant Acquiring, intercompany software developments and transaction processing of $4.4 million from Payment Services- Latin America to both Payment Services- Puerto Rico & Caribbean and Business Solutions, and transaction processing and monitoring fees of $3.7 million from Payment Services - Puerto Rico & Caribbean to Payment Services - Latin America.

(3)Primarily represents fees and expenses associated with corporate transactions as defined in the Credit Agreement, the foreign currency swap loss and the elimination of unrealized equity earnings from our 19.99% equity investment in Consorcio de Tarjetas Dominicanas S.A., net of dividends received.


	Three Months Ended September 30, 2022
(In thousands)	Payment Services - Puerto Rico & Caribbean		Payment Services - Latin America		Merchant Acquiring, net		Business Solutions		Corporate and Other (1)		Total

Revenues	$	44,592	$	33,741	$	36,911	$	49,306	$	(18,747)	$	145,803
Operating costs and expenses	26,960		28,513		25,261		38,522		2,729		121,985
Depreciation and amortization	5,116		4,104		1,045		3,745		5,702		19,712
Non-operating income (expenses)	385		(7,094)		348		136,218		(932)		128,925
EBITDA	23,133		2,238		13,043		150,747		(16,706)		172,455
Compensation and benefits (2)	1,557		972		498		503		2,141		5,671
Transaction, refinancing and other fees (3)	330		—		325		(134,974)		8,581		(125,738)
Loss on foreign currency remeasurement (4)	68		7,725		—		—		(14)		7,779
Adjusted EBITDA	$	25,088	$	10,935	$	13,866	$	16,276	$	(5,998)	$	60,167

(1)Corporate and Other consists of corporate overhead, certain leveraged activities, other non-operating expenses and intersegment eliminations. Intersegment revenue eliminations predominantly reflect the $12.3 million processing fee from Payments Services - Puerto Rico & Caribbean to Merchant Acquiring, intercompany software developments and transaction processing of $3.7 million from Payment Services - Latin America to both Payment Services - Puerto Rico & Caribbean and Business Solutions, and transaction processing and monitoring fees of $2.8 million from Payment Services - Puerto Rico & Caribbean to Payment Services - Latin America.

(3)Primarily represents fees and expenses associated with corporate transactions as defined in the 2018 Credit Agreement, the gain from the Popular transaction and the elimination of unrealized equity earnings from our 19.99% equity investment in Consorcio de Tarjetas Dominicanas S.A., net of dividends received.


	Nine months ended September 30, 2023
(In thousands)	Payment Services - Puerto Rico & Caribbean		Payment Services - Latin America		Merchant Acquiring, net		Business Solutions		Corporate and Other (1)		Total

Revenues	$	150,824	$	120,548	$	122,152	$	169,188	$	(62,624)	$	500,088
Operating costs and expenses	85,019		101,586		81,302		118,653		(897)		385,663
Depreciation and amortization	18,178		13,002		3,357		13,436		15,707		63,680
Non-operating income (expenses)	590		(3,643)		308		667		(27,902)		(29,980)
EBITDA	84,573		28,321		44,515		64,638		(73,922)		148,125
Compensation and benefits (2)	2,033		2,510		2,054		2,226		12,693		21,516
Transaction, refinancing and other fees (3)	850		3,704		—		—		38,741		43,295
(Gain) loss on foreign currency remeasurement (4)	(41)		7,372		—		—		6		7,337
Adjusted EBITDA	$	87,415	$	41,907	$	46,569	$	66,864	$	(22,482)	$	220,273

(1)Corporate and Other consists of corporate overhead, certain leveraged activities, other non-operating expenses and intersegment eliminations. Intersegment revenue eliminations predominantly reflect the $39.9 million processing fee from Payments Services - Puerto Rico & Caribbean to Merchant Acquiring, intercompany software developments and transaction processing of $12.8 million from Payment Services- Latin America to both Payment Services- Puerto Rico & Caribbean and Business Solutions, and transaction processing and monitoring fees of $9.9 million from Payment Services - Puerto Rico & Caribbean to Payment Services - Latin America.


	Nine months ended September 30, 2022
(In thousands)	Payment Services - Puerto Rico & Caribbean		Payment Services - Latin America		Merchant Acquiring, net		Business Solutions		Corporate and Other (1)		Total

Revenues	$	130,678	$	93,308	$	111,079	$	176,620	$	(55,063)	$	456,622
Operating costs and expenses	76,920		77,132		68,288		117,747		25		340,112
Depreciation and amortization	15,062		9,628		3,104		12,787		17,851		58,432
Non-operating income (expenses)	928		(3,365)		980		137,542		(3,560)		132,525
EBITDA	69,748		22,439		46,875		209,202		(40,797)		307,467
Compensation and benefits (2)	2,569		2,758		1,284		1,503		7,241		15,355
Transaction, refinancing and other fees (3)	330		—		325		(134,990)		11,615		(122,720)
Loss on foreign currency remeasurement (4)	230		5,596		—		—		1,032		6,858
Adjusted EBITDA	$	72,877	$	30,793	$	48,484	$	75,715	$	(20,909)	$	206,960

(1)Corporate and Other consists of corporate overhead, certain leveraged activities, other non-operating expenses and intersegment eliminations. Intersegment revenue eliminations predominantly reflect the $36.5 million processing fee from Payments Services - Puerto Rico & Caribbean to Merchant Acquiring, intercompany software developments and transaction processing of $10.7 million from Payment Services- Latin America to both Payment Services- Puerto Rico & Caribbean and Business Solutions, and transaction processing and monitoring fees of $7.9 million from Payment Services - Puerto Rico & Caribbean to Payment Services - Latin America.