2023
Corporate Social Responsibility Report

createimpactand value
togetherA Message fromFrank J. Bisignano
Fiserv will reach an important milestone this year – our 40th year as a
global technology leader. This milestone provides a time for reflection andan opportunity to look ahead. We are proud of our accomplishments andmeaningful investment in our Corporate Social Responsibility (CSR) programs.
We also see much opportunity ahead.
Frank Bisignano
In 2023, through partnerships with organizations all over
the world, we deepened our commitment to diversity andinclusion on a broad scale. We strengthened our investment
and presence in communities where we live and work,and expanded our philanthropic giving. We continued tosupport small businesses in the U.S. and U.K. throughour Back2Business program, our associates expanded
engagement with our Employee Resource Groups, and we
delivered programs to enhance the health, well-being andprofessional development of associates.
We also demonstrated our ongoing commitment to green
building principles. Our Innovation Center @ The Park in
Berkeley Heights, New Jersey, received Platinum certificationin 2023, and in 2024 our collaboration center in Dublin, Ireland
received Platinum certification, the highest level of LEED
recognition. We have also designed to LEED standards for our
new global headquarters in Milwaukee, Wisconsin.
In 2023, we were honored to be named to Bloomberg’s
Gender-Equality Index for the eighth consecutive year, theAmerican Opportunity Index, which ranks large companies
on their success in creating economic mobility for workers,

the Disability Equality Index, the Human Rights Campaign
Corporate Equality Index, Military Times’ Best for Vets, andthe 5-Star Employer by VETS Indexes. And, in early 2024,
we were named a Fortune ® World’s Most Admired Company,a distinction we’ve proudly achieved nine times
in the last 10 years.
Our pride in advancing our CSR program in 2023 isbalanced by the knowledge that we still have work to do.
We are energized by the idea that our company can be aplatform for good as we continue to create positive impact
with and for our clients, our people, our communities
and our shareholders.

Frank J. Bisignano
Chairman, President and Chief Executive Officer

2023 Corporate Social Responsibility Report

Chairman, President andChief Executive Officer2

Dear Stakeholders,

Neil Wilcox
Head of Corporate
Social Responsibility

Our annual Corporate Social Responsibility (CSR)
Report is an opportunity to highlight the work we havedone and continue to do with respect to our CSR
program. This year’s report demonstrates the prominence
and reach of CSR at Fiserv – delivering programs thatcreate a welcoming environment for our associates andmeaningfully benefit our clients, partners and communities.
I want to thank our associates worldwide for theirleadership and engagement in driving these important
initiatives, which build connections and elevate Fiserv
as a corporate steward.
Our CSR efforts are guided by four strategic pillars –Empower People, Advance Communities and Society,Champion Responsible Business Practices, and Invest
in Sustainable Systems. Here is a brief snapshotof actions in 2023 that showcase our commitment tothese pillars and the momentum we continue to build: W
 e are driving a high-performance culture by investing in thegrowth and development of our associates. As a result of our careerdevelopment programs, internal mobility opportunities and innovative
resources, we filled 46% of our exempt open roles internally S
 ince the launch of our Back2Business program in 2020, we havesupported entrepreneurs by making 1,800 grants to small, diverseowned businesses in the U.S. and U.K.
 O
 ur newly launched Minority Depository Institution (MDI) Advisory
Council, comprised of leaders from our MDI client base, seeks to
identify opportunities to better serve MDI clients and the communities
we mutually serve
 W
 e remain committed to elevating diversity across all areas of ourbusiness, including our board of directors. In the past 12 months, wehave added three new independent directors, and at our 2024 annual
meeting, 60% of director nominees are diverse, including 30% who
are women and 40% who are diverse in race or ethnicity
 Institutional Investor recognized Fiserv for its corporate social
responsibility efforts, naming us as a top environmental, corporatesocial responsibility and governance (ESG) performer in the Payments,
Processing and IT Services sector – a first for the company
 F urthering our commitment to incorporate green building designprinciples into our real estate strategy, we continue to assess oursites for Leadership in Energy and Environmental Design (LEED)
certifications. In 2023, our fintech hub in Berkeley Heights, NJ – theInnovation Center @ The Park – received LEED Platinum certification,
and we will pursue LEED certification at our new global headquartersin Milwaukee, WI
 W
 e continue to explore new and innovative ways to reduce theimpact of our operations and value chain on our climate, and we arepleased to provide our first greenhouse gas (GHG) reduction goalin this report
At Fiserv, we are guided by our aspiration, values and purpose in all
we do. This report reflects our collective efforts to create value forour stakeholders – while also demonstrating our deep commitment tosustainable business practices, community engagement and philanthropic
efforts. Thank you for your interest in Fiserv and the impact we are
creating together.

Neil Wilcox
Head of Corporate Social Responsibility

2023 Corporate Social Responsibility Report

A message from
Neil Wilcox

 O ur focus on diversity and inclusion spans the organization, andour Employee Resource Groups (ERGs) serve as a model of ourcommitment to our people. Approximately 8,000 Fiserv associates
are members of an ERG – an increase of nearly 1,500 associates
in the past year3

01 Message from leadership

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

01 Message from leadership2

02 About this report

5

03 About Fiserv

7

04 Empower people

1505 Advance communities and society

29

06 Champion responsible business practices

44

07 Invest in sustainable systems

61

08 Supporting data and policies

71

09 Appendix

762023 Corporate Social Responsibility Report

Contents4

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

About thisreportWe are proud to present this year’s Corporate
Social Responsibility Report (this Report).
Our annual CSR reports give us a forum to
discuss the evolution of our program overthe prior year and to provide an update on our
progress and initiatives. This year’s Reportcontinues to reflect the four strategic pillarsof our program:1.

Empower People

2. Advance Communities and Society
3. Champion Responsible Business Practices
4. Invest in Sustainable Systems
Our priorities are guided by stakeholder
engagement, alignment to recognizedenvironmental, social and governance (ESG)
reporting standards and frameworks, and our
ESG materiality assessment­.1 Our stakeholder

1

engagement process includes input from
employee surveys, customer business reviews
and shareholders. Information collected fromthese engagements is shared, as appropriate,with our management team and board of
directors and is considered as we enhance ourreporting and develop additional programing.
The Report continues to align with the Task
Force on Climate-Related Financial Disclosures(TCFD) framework and provides disclosures thatreference the Global Reporting Initiative (GRI)
framework. We also continue to demonstrate
how our corporate programs align with theUnited Nations (UN) Sustainable Development
Goals (SDGs) by highlighting initiatives andprograms that align with the SDGs.
Please visit our CSR webpage for additional
information related to our ESG and CSR program,policies and initiatives.

Information regarding our financial performance can be found on our corporate website and in our public filings available throughthe U.S. Securities and Exchange Commission (SEC). Materiality and its relevant definition as used in this Report, sometimes
referenced as “ESG materiality,” and our ESG materiality review process, is different than the definition used in the context offilings with the SEC. Issues deemed material for the purposes of this Report and for purposes of determining our ESG strategies
may not be considered material for SEC reporting purposes.

2023 Corporate Social Responsibility Report

01 Message from leadership5

02 About this Report

Reporting Boundaries andForward-Looking Statements
This Report focuses on fiscal year 2023 (January 1,
2023 – December 31, 2023) unless otherwise
noted. The reporting boundaries for this Reportare our direct operations, including wholly-owned
subsidiaries.2 All references to currency are in
U.S. dollars, unless otherwise noted.
This Report contains forward-looking statements
within the meaning of the U.S. Private Securities
Litigation Reform Act of 1995, such as statements
related to our CSR priority areas, commitments, andefforts, including goals, targets, metrics, aspirations
and related strategies. Statements can generally be
identified as forward-looking because they include
words such as “believes,” “anticipates,” “expects,”“could,” “should,” “confident,” “likely,” “plan” orwords of similar meaning. Statements that describe
our future plans, outlook, objectives or goals arealso forward-looking statements.

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

Forward-looking statements are subject toassumptions, risks and uncertainties that may
cause actual results to differ materially fromthose contemplated by such forward-looking
statements. The factors that could cause ouractual results to differ materially include, among
others, changes in macroeconomic and geopoliticalenvironment, technology, weather patterns andclimate, regulation and legislation, engagement withstakeholders, energy prices, and other unforeseen
events or conditions, and other factors included in“Risk Factors” in our Annual Report on Form 10-K
for the year ended December 31, 2023, and inother documents that we file with the Securities
and Exchange Commission, which are available
at sec.gov.
Website references and hyperlinks throughout
this Report are provided for convenience only,
and the content on the referenced websites is notincorporated by reference into this Report, nor doesit constitute part of this Report. We assume no
liability for any third-party content contained on thereferenced websites.

When we use the terms “Fiserv,” “company,” “we,” “us,” or “our” in this Report, we mean Fiserv, Inc. and its wholly-owned subsidiaries,
unless we state, or the context implies, otherwise. The use of the term “partner” or “partnering” in this Report does not mean or imply aformal legal partnership and is not meant in any way to alter the terms of the Fiserv relationship with any third parties. Any reference to our
support of, or work or collaboration with, a third-party organization within this Report does not constitute or imply an endorsement by Fiservof any or all of the positions or activities of such organization. This Report does not address the performance or operations of our suppliers,
contractors or partners.

2023 Corporate Social Responsibility Report

01 Message from leadership2

© Raftermen 20226

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

About Fiserv
Fiserv, Inc. (NYSE: FI), a Fortune 500 company, aspires to movemoney and information in a way that moves the world. As a global
technology leader, we innovate to enable our clients’ success in areas
including account processing, digital banking, card issuer processing,
network services, payments, e-commerce, and merchant acquiringand processing. Every day millions of people, businesses and financial
institutions connect with one another to power payments, financial
services and commerce through Fiserv technology. Fiserv is a memberof the S&P 500 ® Index and has been recognized as one of Fortune®
World’s Most Admired Companies™ for nine of the last 10 years. Visitfiserv.com and follow on social media for more information and thelatest company news.

2023 Corporate Social Responsibility Report

01 Message from leadership7

01 Message from leadership

02 About this Report

03 About Fiserv

04 Empower people

Our Values
Our culture is rooted in our
five core values

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

Key Facts

Our Clients

Serving clients in more than
100 countries

Banks

Enabling nearly 10,000 financial
institutions and 6 million merchantlocations each year globally

Corporate Clients

Solutions reaching nearly 100%of U.S. households

09 Appendix

Credit Unions

FintechMerchants
Public Sector

More than 25,000 peak transactions
per secondday.

trust every

Createwith purpose.

Inspire&achieve
excellence.

Financial
Performance
Revenues (in millions)

Do theright thing.

Deliveron the promise of

one Fiserv.

2021

2022

2023

$16,226$17,737$19,093

Service Offerings and Product Innovation
At Fiserv, we innovate for one reason: to help our clients succeed. Every day, our clients use ourtechnology to go faster and work smarter, and every day, our people help clients solve businesschallenges and innovate for the future. We continue to advance our technology, drive operational
excellence, deepen our client relationships and strategically deploy capital to benefit our clients.

2023 Corporate Social Responsibility ReportclientEarn

8

01 Message from leadership

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

Our CSR program
Doing good by doing good business

PeopleCommunities

Business Practices

Sustainability

 Diversity and Inclusion

 Business Inclusion, Accessand Development

 Cybersecurity and Data Protection
and Privacy

 Operational Footprint Community Engagement andPhilanthropy

 Ethical Behavior

 Employee Engagement
 Talent Attraction
 Talent Development,
Retention and Well-Being Operational Governance Risk Management

 Sustainable Practices, Operations
and Engagements

2023 Corporate Social Responsibility Report

Fiserv believes in the power of transformational thinking and continuous improvement. This way of thinking and working
plays an important role in our CSR program and ESG strategy and in how we operate, partner and create lasting impact.
Our CSR program and ESG strategy is focused on helping deliver better business outcomes, and we express thisthrough our four pillars, which focus on People, Communities, Business Practices and Sustainability. We believe these
focus areas play an important role in our continued business success and inform how we operate every day.

9

01 Message from leadership

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

We seek to foster an equitable, diverse and respectful work
environment where associates can grow and succeed.

Empowerpeoplehighlights
3

Our voluntary attrition rate was
13% compared to 21% in 2022

We grew ERG membershipby nearly 1,500

and we saw positive reductions in voluntary attrition acrossthe organization.

and 19% of our associate population are now membersof at least one ERG.

Over 30% of associates are
eligible to receive equity awards

U.S. diversity in leadershipincreased from 44% to 46%

to further align our associates’ interests with those of
our shareholders.

highlighting our commitment to diverse representation at
all levels of the organization. 3

21% of our external U.S. hires
originated from an associatereferral

We provided leadership training
to more than 150 women over the
past two years

showing that our associates continue to be one ofour most effective recruitment tools.

as part of our Leading Women program. We are committed todeveloping diverse talent within the organization at all levels.

We had 92% participation in our
most recent engagement survey

Over 7% of our external U.S. hires
were military affiliatedand we regularly conduct associate engagement surveys
and ask managers to create responsive action plans basedon feedback.

demonstrating our ability to identify and hire talent, including
through our Operation Hire Military program.

2023 Corporate Social Responsibility Reportin 2023

Defined as female or male diverse in race or ethnicity.

10

01 Message from leadership

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

We seek to expand access for people, communities
and businesses to help support a thriving ecosystem.

Carat helped facilitate the
disbursement of EBT payments

Back2Business helped small,diverse-owned businesses

in support of the U.S. Department of Agriculture’s
Supplemental Nutrition Assistance Program.

by providing grants to diverse-owned businesses across the
U.S. and U.K., and total distributions have now reached almost$18 million.

We launched the Fiserv Minority
Depository Institution (MDI) Advisory
Council,

We are taking steps to support
accessibility on point-of-sale devices,which is comprised of executives from MDIs, to help identify
opportunities to better serve these institutions and thecommunities in which they operate.

because we understand that not all clients interact with
our Clover point-of-sale devices in the same way.

The Fiserv Small Business Index
was conceived

FIN Future Techies launched as apilot program

to provide information on the health of small businesses bystate and industry to enable additional intelligence and insight
into small business trends, consumer spending and financial
health. It launched in 2024.

with over 100 students in Berkeley Heights, NJ. The program
received the New Jersey Catalyst of Education Award.

Clover Capital, provided accessto working capital

Diverse supplier spend increased bymore than $50 million

to Clover and non-Clover merchants.

compared to 2022. We integrate supplier diversity to increase
opportunities for small and diverse suppliers, to generate
efficiencies and to promote innovation.

TM

Advancecommunities
and society
highlights

2023 Corporate Social Responsibility ReportSM11

02 About this Report

03 About Fiserv

04 Empower people

Champion responsible
business highlights

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

We seek to deliver sustainable growth through ethicaland transparent business practices.

in 2023
We showed our commitment
to establishing andmaintaining a diverse board

We created a regionalsustainability working groupto review and alignand at our 2024 annual meeting 60% of our director
nominees reflect gender or racial/ethnic diversity,or both.

sustainability- and climate-related programing,
data and reporting across regions.

We expanded our enterprisedata oversight function

The client commitment tracker
was introduced at Forumto include the development of an artificial
intelligence governance protocol, in partnershipwith key stakeholders throughout Fiserv.

and enables Fiserv clients to view our commitments
to them – across the enterprise – in one easy toaccess location.

We drafted our Third-Party
Code of Conduct

We enhanced third-party
vendor agreements

to set clear expectations for ethical businesspractices and social and environmental awarenessby all vendors.

to include additional digital accessibility
considerations.

2023 Corporate Social Responsibility Report

01 Message from leadership12

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

We seek to operate in a manner that delivers sustainableoutcomes and innovates for future needs.

in 2023
We continued to assess ways toreduce the climate impact of ouroperations

We had over 500,000 square feetof LEED-certified office space,including Leed Goldand value chain. We are setting a 50% reduction goal by
2030, from our 2019 baseline, for our scope 1 and scope 2
GHG emissions.

and Platinum certifications. We plan to apply for LEED
certifications for our new headquarters in Milwaukee, WI.

We established an interim scope
3 GHG emissions target

We reviewed our energy usage
and we aspireof having 25% of our vendor spend provide us with actual
GHG emissions data by 2030.

to have 100% clean and/or renewable electricity products at
all Fiserv-owned sites by 2030. 4

We created over 7,000 refurbishedstarter kits

Our new Sustainability Ambassador
programas part of our equipment return process at our hardware
services facility. If the functionality of cables, power packs
and screen drivers passes review, we reuse them.

involves training participants to support our sustainability
missions and engage with other associates to spread
our message.

We began to use post-consumer
recycled plastic
as part of the Clover design.

4

 here direct procurement is not available, we may consider renewableW
energy credits, longer-term products such as virtual power purchaseagreements or other similar considerations as part of our strategy.

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

Invest insustainablesystems
highlights

2023 Corporate Social Responsibility Report

01 Message from leadership13

01 Message from leadership

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

Business can be a force
for good and we have theopportunity to innovateand excel together. By valuing
our associates, clients andcommunities, we seek
to position ourselves as apremier employer andbusiness solutions provider
in a competitive market.”
Vivian Greentree

Senior Vice President and Head of Global
Corporate Citizenship2023 Corporate Social Responsibility Report

Select 2023 awards and recognitions

14

01 Message from leadership

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

EmpowerpeopleWe understand that diverse experiences, backgrounds and cultures
are foundational to creating an innovative and inclusive work
environment where every associate is able to bring their wholeselves to work every day. Providing a diverse and inclusive work
environment fosters innovation and helps develop creative products,
partnerships and solutions.

2023 Corporate Social Responsibility Report

Fiserv operates in more than 100 countries and has over 42,000
associates around the globe. We are committed to developing aworkforce ready for the future and able to serve our client baseacross our geographic teams and regions in the United States
and Canada (North America); Europe; the Middle East and Africa(EMEA); Latin America (LATAM) and Asia-Pacific (APAC).

15

01 Message from leadership

02 About this Report

We are committed to diverse
representation at all levels of theorganization, including leadership
positions. In 2023, 40% of ourglobal workforce was female.
In the U.S., 44% of our workforce
was female and 39% was diversein race or ethnicity. We also
continue to increase the percentageof women and people diverse inrace or ethnicity in leadership.5

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

EuropeNorth
America

MiddleEast

Latin America

AfricaAssociate and Contingent Worker Global Distribution6
North America

APAC

EMEA

LATAM

Total

Percent of Associate Population

63%

23%

9%

5%

100%

Contingent Workers as a Percent of Workforce7

4%

12%

4%

12%

7%

5

Data is as of December 31, 2023. “Leadership” is defined as vice president and above.

6

Data is as of December 31, 2023.

7

We have approximately 3,000 contingent workers (defined as “time and material”).

2023 Corporate Social Responsibility Report

Asia Pacific16

01 Message from leadership

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

Employee Engagement

Employee feedback and engagement are important
to us. We conduct regular employee engagement
surveys and connect with associates throughout theyear through forums such as quarterly town halls,leadership meetings, lunch-and-learns, ERG events,
the company intranet and other events designed topromote engagement among our associates.
Engagement Surveys
In 2023, we conducted our annual associate engagement survey.
This survey is supplemented by targeted, pulse surveys as needed.
The surveys solicit associate views on engagement, diversity andinclusion (D&I), manager effectiveness, communication and teamwork,
client experience, well-being, employee trust and organizational
effectiveness.

We value associate feedback and take these results seriously. Based on
survey results, we ask our managers to create an action plan toenhance processes, set priorities and respond quickly to any associate
concerns. The information collected through our surveys also enables
us to develop value-added programing, set priorities and respond toassociate concerns at the enterprise level. One outcome from the2023 survey was a commitment to enhance the associate experiencethrough new collaborative opportunities, such as more on-site activities
and leadership exposure to provide business context and build
relationships that help facilitate career growth.

2023 Corporate Social Responsibility Report

A very strong 92% of our associates participated in the most recent
survey. Among other positive outcomes, “trust” was the highest
ranked dimension and in the top decile of relevant benchmarks.8 We
also continue to score above the benchmark average on inclusiveness,reflecting our associates’ belief that Fiserv maintains an inclusive
environment where people of diverse backgrounds can succeed.

The third-party company we engage to conduct our survey provides us with how
our scoring compares to their benchmark and a Fortune 500 benchmark.

8

17

01 Message from leadership

02 About this Report

03 About Fiserv

Employee Resource Groups

Our ERGs are a model of inclusive leadershipand conscious inclusion.
They facilitate professional networking, create internal mobility and careeradvancement opportunities and encourage associates to be open to different
points of view. Our ERGs also build trust, celebrate culture, boost allyshipand foster a culture of high-performing teams, driving shared purpose andempowered execution.
Throughout the year, our ERGs work on initiatives important to Fiserv, engage
with external partners and host events and programing open to all associates.
The ERG programing and events address a variety of topics, such as affinity days
and months, cultural nuances, mental health, financial inclusion, physical healthand wellness, internal mobility and career progression, client services and more.

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

Providing a Platform for our Associates

Associate Engagement

We take pride in our participation in Black History
Month – which is in February in the U.S. and Octoberin the U.K. Our SOAR Black Associate Council membersin the U.K. participated in the U.K. Black Business
Show, an event that brought together professionals,
entrepreneurs and visionaries, fostering meaningfulconnections and discussions about addressing inequality
and supporting the Black community in the businessworld. One of the highlights of the event was Sainabou
Faal, Director EMEA Real Estate, participating on theBlack Women Business Talks panel.

Throughout the year, our ERGs host Learn & Engage
sessions, Inclusive Leadership speaker series andcultural celebration events open to all associates.
Some of our most engaging events this year were forInternational Women’s Day, Juneteenth, CaribbeanAmerican Heritage Month, Pride, Hispanic and Latino
Heritage Month and Diwali. In addition to these events,
our ERGs worked with management committee
members to host an Inclusive Leadership Series.
These events featured executives such as our President,
Chairman and CEO, our Head of CSR, our Head of
Global Business Solutions and our CFO. Not only dothese events highlight our management committee’scommitment to our ERGs, but they also provide members
and attendees with an opportunity to learn and engage
with senior leaders on a variety of topics.

We are proud to have been included as a Top Scoring Company on the 2023
Best Places to Work for Disability Equality Index by Disability:IN and we
recognize that disability inclusion is an ongoing journey. Our Thrive Disability
Associate Council plays an integral role in improving disability awarenessand inclusion. The scope and effort of this group is truly global. Sam Giese,Manager, Business Systems Analyst – an associate based in Auckland,
New Zealand – is helping create an accessibility champion model to help
us drive our internal and external accessibility initiatives through reviewsof policies, procedures and service agreements. Through ERG leaders andmembers like Sam, our ERGs continue to provide a platform for change anda way for us to improve the way we do business.
Fiserv Global Services was named a Silver Top Employer by the India
Workplace Equality Index (IWEI) in 2023 for the third consecutive year.
The IWEI is a benchmarking tool for companies to measure their progress
on LGBTQ+ inclusion, and this award is based on a comprehensive evaluationof various aspects such as policies, associate life cycle and community
engagement. The collective efforts of our Unity ERG and our global services
team to raise awareness and advocate for LGBTQ+ rights and inclusion
are reflected by this recognition. As part of the effort, Ritu Dhody, Advisor,
Human Resources, Global Services, was recognized for her work on diversity
and inclusion in India.

2023 Corporate Social Responsibility Report

Driving Change Through Action18

02 About this Report

The Asian Leadership Council seeks to connect,
empower, develop and celebrate the culture of Asian
associates and their allies across Fiserv.

Juntos’ vision is to unite, empower and support Hispanicand Latino associates and their allies across Fiserv
to reach their highest potential and to foster a work
environment where all associates have an opportunity toembrace Hispanic and Latino values and cultures.

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

Thrive is committed to serving as an advocate andresource for associates with disabilities, associates whoare caregivers of individuals with disabilities, and allies
across Fiserv.

ERG at a Glance

Unity’s vision is to unite lesbian, gay, gender nonconforming, bisexual, transgender, queer andquestioning (LGBTQ+) associates and their straightallies across Fiserv as one powerful community.

Every associate is encouraged tojoin any of our ERGs regardlessof how they identify.
In 2023, approximately 8,000
associates were active membersof an ERG and our ERGs held
over 500 digital and in-person
events globally.

110

chapters in

14

countries with
The Military Leadership Council was established torecognize, connect and support veterans, active service
members, guard members and reservists and former
and current military spouses and allies across Fiserv.

The Women’s Impact Network is dedicated to building
gender equality in our workplace by empowering,supporting, developing and advancing the careers of
women associates across Fiserv.

07 Invest in sustainablesystems

200

chapter leaders and17

global leaders

08 Supporting dataand policies

09 Appendix

We strive toprovide our people
with programsand engagement
opportunities that build
a culture of inclusion
and trust. Our eight
ERGs serve as adynamic retention tool,a professional growth
opportunity and asource of community
for their members andthey play a vital role inensuring our workplacereflects the richnessof the communities inwhich we operate.”
Tiara Berry

Senior Manager
Corporate Citizenship
SOAR is committed to engaging, empowering anddeveloping the talents and careers of Black associates
and their allies across Fiserv. SOAR strives to improvethe visibility and promote the importance of a diverse andinclusive workforce.

YoPro seeks to foster an inclusive and collaborativeenvironment by connecting, engaging and fueling the
growth and development of associates in the earlystages of their careers.

2023 Corporate Social Responsibility Report

01 Message from leadership19

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

Professional and Career Development
We want all associates to be excited about learning,
because the ability to quickly and continually acquire newcapabilities and knowledge is crucial in the fast-paced
and ever-evolving environment in which we operate.
We aspire to help our associates grow and develop by
helping them stay ahead of trends, enhance their skills
and practice new ways of working. To assist in theirprofessional development, we ask all associates tomaintain a career development plan. We also provide
associates with a robust set of resources to help themgrow and we encourage them to enrich their careerdevelopment through on-the-job learning, education,
professional networking and ERG membership.

2023 Corporate Social Responsibility Report

01 Message from leadership20

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

Learning and Training
We provide our associates with a variety of development
opportunities ranging from mandatory and self-directed learning
courses to focused skills and leadership programs.
To support an ethical and compliance-minded culture, all associates are
required to complete a series of compliance training modules annually,
including training on our Code of Conduct and Business Ethics.
We provide these modules in eight different languages to meet theneeds of all of our associates.
In alignment with the Fiserv Values, content available on our global
learning management system focuses on essential job skills,
leadership development, D&I, business and digital acumen, client
sales and support, project and program management and more.
Access to learning tools is readily available globally, including frompersonal mobile devices. Our learning platform provides associateswith learning opportunities on critical business and client topics,
which serve to facilitate operational excellence and internal mobility.
In 2023, our associates accessed more than 4,000 courses with over
200,000 course enrollments.
In addition to our self-directed learning opportunities, we provide
associates with a mix of skills training through virtual courses andprograms that help us build and reinforce critical skills and knowledge.
For example, we offer a digital learning agenda for technologists todevelop critical bench strength, and our platform and centralized
approach enable us to reach Fiserv associates across the organization
to provide greater and more consistent learning opportunities.

08 Supporting dataand policies

09 Appendix

Mandatory
ComplianceTraining Topics
A nti-Harassment
Business Continuity Management
Code of Conduct & Business Ethics
Global Cybersecurity AwarenessGlobal Financial Crimes Compliance
Global Privacy

2023 Corporate Social Responsibility Report

01 Message from leadership21

01 Message from leadership

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

Leadership Development

We recognize the importance of providing associates with a place to growand develop their careers where they feel included at all stages of their career.
To this end, we offer a range of programs to provide high-potential talent with tools to grow their careers,knowledge and skills. We also provide current leaders with ongoing opportunities to develop their leadershipskills and become more inclusive leaders.

Enterprise Leadership Development

Technologist Leadership Development

We offer both in-person and virtual leadershipdevelopment programs focused on the growth of
our workforce and operational excellence. Our global
efforts include:

Our Distinguished Engineer program reflects ourcommitment to identifying, recognizing and using
the expertise of high-performing technology talentacross the company. The program is focused on
driving transformation, quality, productivity andinnovation, and creates a career path for technicians
who choose to focus on technical contributions
rather than managing large teams.

 O ur Leadership Academy for senior leaders
around the world promotes professional growth
while enhancing critical skills that facilitate highperformance. The program is designed to elevate
the next generation of well-rounded leaders
who exemplify versatility and a wide breadth ofcapabilities, and has high engagement from our
executive team, who participate as facultyThis year, we welcomed our newest class of expert
engineers and elevated several of our expert engineers
to distinguished engineers. Our distinguishedengineers have been instrumental in elevating ourbrand and influence by participating in FIN Future
Techies programing, hosting a Technology Analyst
Hackathon and building a community of world-classtechnologists.

Women in Technology Advisory Council
In 2023, we launched our new Women in Tech Advisory Council. The council, comprised of nearly two dozen
female leaders from around the world, discusses forward-thinking opportunities for Fiserv, advances our technology
agenda and elevates our talent profile. Each council member is aligned with a mentor to help them learn more
about the organization and expand their leadership and capabilities.

2023 Corporate Social Responsibility Report O ur Leading Women program, which is designed
to accelerate the career advancement of top female
talent at the director and vice president level
through action learning and skills training. This
program enables participants to share knowledge,
learn best practices, network, and gain valuable
exposure across the enterprise. In 2023, programs
were delivered in the U.S. and APAC. This program
has helped increase retention and enable continued
career advancement22

01 Message from leadership

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

Breanne Beutler
Technology Analyst Issuing Solutions

2023 Corporate Social Responsibility Report

The Fiserv Internship program allowed me to gain experience
before I took a full-time role in the Fiserv Analyst program.
These programs created an opportunity for me to take what
I was learning in the classroom and apply it to real, hands-on
experiences in an environment where I could receive support,
feedback and encouragement from managers and mentors.”23

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

Professional Development

Talent Attraction and Placement

Global Entry Level Bench

Beyond our leadership development programs, we also recognize that an
academic degree can enable associates to advance their careers. For associates
who want to continue their formal education or pursue job-related professional
certifications, we provide various forms of support. In the U.S., there is a formal
tuition reimbursement program. Full-time associates are eligible for pre-approved
work- and job-related courses at accredited schools and universities or for workand job-related professional certifications and certificate programs. We also offer
an affordable and accelerated path to a bachelor’s degree. Associates can enroll
throughout the year in a selection of classes, with Fiserv directly paying theproviders and eliminating financial barriers.

We seek to hire and retain candidates who fit the needs of our company andwant to grow their careers with us.

The Fiserv early career programs continue
to expand outside of the U.S., encompassing
cohorts in EMEA, LATAM and APAC. Thesefull-time rotational programs aim to hirehigh-potential early career associates withthe goal of developing them to be future
innovators and leaders within the organization.
The program focuses on helping theseassociates gain in-depth knowledge of our
products and clients by providing
comprehensive training, a global speaker
series and mentorship over the
two-year program.

By supporting our associates in furthering their education, we invest in theirpersonal and professional growth and contribute to their long-term success within
our organization.
Performance and Career Management
Internal mobility and career development are significant parts of our workforce
development strategy, and we believe our associates can deliver their very best
through regular feedback.
At the beginning of each year, all associates establish and review goals andprofessional development plans with their manager. Once goals and development
plans are finalized, managers and associates have regular feedback sessions
throughout the year to evaluate progress with an annual assessment at year-end.
To expand internal mobility and career development, we use global internal
mobility programing called “Find Your Next” and “Better Together.” The
Find Your Next program encourages growth and creates a sustainable talentpipeline while increasing associate retention, job satisfaction and personal andprofessional growth opportunities. The Better Together program seeks to create
more opportunities for our people to be together – in the same office with their
manager and teammates – and to enable better outcomes for all stakeholders. As
part of Better Together, we have an internal mobility support function to promotebetter alignment, collaboration and opportunities for career growth. During 2023,
46% of our exempt open roles were filled through internal moves.

Our recruiting and talent sourcing teams work with talent sourcing partners –ranging from colleges and universities to national professional networking
organizations, military installations, community resource providers and internal
resources – to recruit our diverse and talented workforce.
Internship and Analyst Programs
Our Fiserv Internship and Analyst programs are designed to develop andidentify a diverse pipeline of young professionals from all backgrounds. As partof our recruitment strategy, we focus on a variety of majors to fill key roles intechnology, product development and project management functions. We also
work with colleges, universities, historically Black colleges and universities(HBCUs) and diversity and inclusion partners to reach a wide range of young
professionals from all backgrounds.
In 2023, over 500 individuals participated in our U.S. analyst and intern program,one-third (33%) of which were female and 38% of which were racially or
ethnically diverse. Internationally, we welcomed nearly 300 interns and analysts
to the program.

Fiserv NextGen Tech
Our commitment to nurturing futuretechnologists across the enterprise is
exemplified through our global Technology
Analyst Program (TAP). In 2023, the program
celebrated its third year, showcasing
notable achievements. The inaugural cohort
successfully graduated, advancing into
the next phase of their careers. The 2023
cohort, comprised nearly 300 analysts,
including 150 analysts in our global services
group in India who came from more than
25 technical institutions across the country.
TAP analysts are strategically placed within
key business units, engaging in projects andcollaborative opportunities that contribute totheir professional growth and development.
In addition to our thriving program in the
U.S. and India, our focus has expanded
to EMEA and LATAM, where the inauguralcohort of technology analysts is poised tograduate next year.

2023 Corporate Social Responsibility Report

01 Message from leadership24

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

Multiverse Apprenticeship Program

Operation Hire Military

In the U.K., Fiserv and Multiverse have partneredon an apprenticeship program to develop the data
and digital skills of our existing workforce. The
objective of the program is to increase participants’knowledge, skills and qualifications. Our pilot
program included 20 associates and we anticipate
expanding the program in the U.K. to provide apractical alternative to university or corporate training.

We recognize the importance of, and remain committed to, supporting
the military community in the United States.

In 2023, we also partnered with Multiverse in
the U.S. on a Clover apprenticeship program.

Step IT Up
In 2023, we introduced a new technology
development program. Through Step IT Up,
offered by UST, we provided an immersive
three-month software development training
program to approximately 60 associates fromdiverse backgrounds, including early career
professionals, career changers and former military
personnel, at our Berkeley Heights Innovation
Center. Following successful completion of the
program, trainees were integrated into various
business units within the company.

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

Our Fiserv Salutes military-community engagement strategy is focusedon, among other things, providing career opportunities to veterans andmilitary spouses.
We partner closely with military service organizations that have expertisewith service members transitioning into the corporate sector. We provide
resources specific to the military-affiliated population during onboarding,and host company-wide military awareness training to emphasize
the value the military community brings to our company. Further, ourmilitary and veteran affairs and talent acquisition teams partner withorganizations such as Hiring our Heroes, 50Strong, Student Veterans ofAmerica®, universities, installations and the media to expand our reachand impact. Through these partnerships, we continue to enhance ourconnection with the military community and provide them with career
opportunities at Fiserv.
During the year, we continued to focus on our hiring strategy for the
military community. Through Operation Hire Military we provided training
for hiring managers and recruiters to recruit in the military community.
We used our employee awards program to recognize hiring managers
and recruiters who made the most impact on our program objectives.
We also hosted fireside chats with executive team members, our Military
Advisory Council, and veteran leaders in the corporate sector to help ourassociate population learn and engage on the topic of transitioning fromthe military to civilian life and the value the military community brings
to our workforce. As a result of these efforts, over 7% of our external
U.S. hires were military affiliated.

2023 Corporate Social Responsibility Report

01 Message from leadership25

01 Message from leadership

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

Workplace Safety

We are committed to the safety of ourworkforce. We maintain workplace safety
standards and related policies as part ofour global safety program.
Our workplace safety standards apply to all Fiserv associates
and contractors. The standards align with U.S. Occupational
Safety and Health Administration standards and are designed to: Optimize the safety of Fiserv associates in the workplace Minimize injury and accident frequency and severity

Our geopolitical analysis
team monitors associate
and asset security andsafety in the context ofinternational conflicts
and foreign relations andmaintains a high-threat
country travel policy,
which is updated
frequently.

 Minimize loss to property and equipment
 Minimize disruption of operations
 Enable greater associate satisfaction and productivity

Associate Referral Program
Our associates are one of the most effective
resources in helping us find talent. They understandwhat it takes to be successful in a dynamic, highlycollaborative environment. Our referral program
makes it easy for associates to refer qualified
candidates and provides rewards when they do. We
continue to see year-over-year increases in associatereferrals. In 2023, 21% of external hires in the U.S.
came to us through an associate referral.

In addition to our workplace safety standards, we maintain acorporate security policy that provides guidance regarding thephysical security and safety of Fiserv associates, equipment
and facilities. Collectively, our safety and security programs aredesigned to protect our associates and assets in the event ofemergencies or other events, such as adverse weather, local
public safety events or incidents or threats of workplace violence.

We are pursuing WELL Health-Safety ratings for properties inour real estate portfolio. The WELL Health-Safety rating is anevidence-based, third-party verified rating for all new and existingbuilding and facility types. The certification focuses on operational
policies, maintenance protocols, occupant engagement andemergency plans to address acute health threats.

2023 Corporate Social Responsibility Report

Our safety program is administered by a safety working group andincludes risks assessments; analysis of safety incidents issues andtrends; review, maintenance and delivery of safety communications
and training; and coordinated assessments and audits related tosafety issues.

26

02 About this Report

03 About Fiserv

04 Empower people

Total Rewards and Well-Being

It is important that we continually evolve to meet the changing needsof our associates.
Our associates as valued members of our teamas demonstrated by the breadth of our global total
rewards offerings.

how an associate defines their family can vary and
we are proud to provide benefits that cover spouses
and domestic partners regardless of gender.

We continue to invest in total rewards andwell-being programs and policies and we arecommitted to offering a full suite of competitive
benefits that support our people. A competitiveand comprehensive benefits offering is a key
component of the employer value proposition andour offerings help us attract and retain talent andsupport our initiatives.

We believe that offering a competitive total rewards
and compensation package, in addition to our healthand well-being benefits, is critical to attracting andretaining talent. Meeting the financial needs of ourassociates enables them to focus on what is mostimportant and that is why our total compensation
package consists of both competitive base pay
and an incentive opportunity, delivered in a mixof cash and equity. In the U.S., equity awards,
such as restricted stock units, may be granted
depending on career progression. Equity generally
vests ratably over three years. Outside of the U.S.,
eligibility varies based on local laws, regulations andmarket practices. Currently, over 30% of associates
across the globe are eligible to receive equity.

Associate Benefits, Well-Being andTotal Compensation
We care about creating an environment where
every associate feels supported and has the tools
and resources to be their best both at work andin their personal lives. We review our program
regularly and make adjustments as needed tomaintain alignment with Fiserv priorities andmarket best practices. We continue to enhance ourwellness programs with offerings that meet people
where they are on their wellness journey, align with
their goals and reward them for accomplishments.
Our associate benefit offerings vary by country.
In addition to tailoring our benefits to local norms,
we seek to provide basic standards for our
associates across all locations. In the U.S., we offer
a benefits package with a variety of medical plan
choices and coverage for family members, dental
and vision plans, life insurance and disability andtime off.9 Our full benefits package is available to
all associates working 30 hours or more per week
and we also provide a selection of benefits to thoseworking less than 30 hours per week. We know that9

We are committed to ensuring the well-being andsatisfaction of our associates. We believe that byoffering a comprehensive total rewards package,
we can continue to attract and retain top talent
while supporting their overall well-being.
For more information about our associate benefits,
please visit Fiserv Benefits.
Pay Equity
Fiserv is committed to providing fair pay to ourassociates regardless of gender, race, ethnicity or
any other protected characteristic. We monitor pay
equity and conduct pay audits across the globe
to track, measure and evaluate our pay equity.
In some countries, such as Australia, Ireland andthe U.K., we publish country-specific pay audits.

 ur philosophy is that the more an associate earns, the more they should pay for medical coverage. We believe this is not onlyO
equitable, but also assists with the affordability of coverage for all associates.

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

Supporting Mental Health
In 2023, we held our global associate andmanager mental health first aid training
for the third consecutive year and had
almost 2,000 participants. This programis designed to promote a more empathetic
work environment by fostering open
dialogue, addressing misconceptions
surrounding mental health and reducing
stigmas associated with mental health.

This year, we celebrated International
Week of Happiness @ Work. In APAC,
associates participated in fun and games
to help create energy, networking andmomentum. Associates were encouraged
to engage with each other, express their
gratitude and build networks with fellow
co-workers throughout the week in aseries of activities.

In Sydney, Australia, Fiserv associates
took part in the City2Surf 14km race toraise awareness and funds for R U OK?
– a public health charity that encourages
people to stay connected and have
conversations that can help others throughdifficult times in their lives.

2023 Corporate Social Responsibility Report

01 Message from leadership27

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

Notable Benefit Offerings10

Healthcare, life and disability benefits

Retirement and financial assistance

Other benefits

 Medical, dental and vision coverage R oth and traditional 401(k) plans with
employer matching available in the U.S.

 C
 are resources to help our associates
who are caregivers in the U.S.

 D
 efined contribution plans aligned withthe local market available in countries suchas the U.K., Ireland, Germany and Poland

 2
 4/7 access to care specialists who canhelp parents of children with special needs

 Life insurance and disability coverage
 Short- and long-term disability coverage
 A ccidental death and dismemberment
coverage Emergency travel assistance S upport for adoption, surrogacy
and fertility treatments
 E
 nhanced coverage forgender-affirming care

 Employee Stock Purchase Plan11
 F
 inancial planning resources and tools,
coaching and retirement readinesseducation in the U.S.
 Employee assistance funds Employer-funded Health Savings Account H ealthcare and dependent care flexible
spending accounts

 2
 4/7 virtual wellness center providing
convenient, high-quality, low-cost primarycare services across the U.S.

 S
 tudent-debt repayment solution
available in U.S. through our partnershipwith Candidly F ree onsite flu vaccines and biometricscreenings

Well-being

Work-life flexibility
 1
 2 weeks of paid parental leave forprimary caregivers and 2 weeks of paid
leave for secondary caregivers in the U.S.
 Vacation, sick and holiday paid time off P aid bereavement leave following thedeath of a family member
 4
 day per week in office with 1 day
work-from-home options available

 Charitable matching during campaigns
 A
 comprehensive military leave policy
for those serving in the military S hift differentials for hourly associates
working non-standard working hours Associate discount program Subsidized day-care in India

 G lobal well-being plan for associates
and U.S. medically enrolled spouses
and domestic partners
 F ree one-on-one wellness coachingavailable to U.S. associates and their
medically enrolled dependents
 F ree weight loss/weight management
program for U.S. associates and their
medically enrolled dependents
 G lobal employee assistance program
offering free mental health visits andemotional health app for U.S. participants

Benefits may not be available in every country
based on local laws, regulations and markets.
The description of the benefits described in thisreport are qualified in their entirety by reference
to terms of the plan or plans under which they
are offered.

10 

Availability to associates in and outside of the
U.S. is based on local laws, regulations andmarkets. Eligible associates can contribute
between one and ten percent of their annualcompensation through payroll deductions.

11 2023 Corporate Social Responsibility Report

01 Message from leadership28

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

Advancecommunities
and society

08 Supporting dataand policies

09 Appendix

We recognize the important role Fiserv
plays in the communities in which we live,
work and do business.
In addition to our philanthropic pursuits, we aim to provide
products and services that support commerce in ourcommunities and expand access, opportunities and easeof doing business for all those living in the community.
We believe we do well by doing good and our communities
are key stakeholders in our mission.

2023 Corporate Social Responsibility Report

01 Message from leadership29

01 Message from leadership

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

Inclusive Products and Services

Households

Merchants

As a leading global provider of payments andfinancial technology, we seek to provide ourclients and their customers with innovative
product offerings that increase financial
inclusion, improve the ease of doing businessand support the payments ecosystem.

We facilitate acceptance of online Electronic Benefits Transfer payments
in support of the U.S. Department of Agriculture’s Supplemental Nutrition
Assistance Program (SNAP). Carat, our global omnichannel commerce
platform, makes it possible for underserved Americans who rely on SNAP
benefits to purchase groceries for their families online. This program supports
all participating states and territories through multiple grocers in the U.S.

Clover Capital, our cash advance solution, provides both Clover andnon-Clover merchants with access to working capital based on anticipatedcredit card sales. Our logic is designed to offer merchants the most favorable
pricing available based on their risk profile and, because of our unique positionin the payments process, we are able to use data to increase Clover Capitaleligibility. Merchants can use the capital to invest in and expand their business.
For Clover merchants, the application can be accessed through the Clover
Dashboard and working capital can be deposited in their account in as little
as three to five days.

Our Carat Digital Payouts product supports enterprise businesses andgovernments with the delivery of fast and secure payments to recipients,
allowing them to receive their money how and when they want. Through ourtechnology, we are able to support an array of payout options, some of whichgive the recipient access to their funds in a matter of seconds. Recipients cancollect through payout options such as debit cards, ACH, Money Network
prepaid cards, social payments and digital checks.
To upgrade the experience for cash-preferred bill pay customers, we are
expanding access to walk-in bill payment through a strategic relationshipwith Blackhawk Network (BHN). By partnering with BHN, Fiserv will be able
to expand its network of payment locations to cash-preferred consumers
through our CheckFreePay ® product. Using digital barcode technology, we
can expedite the payment experience, enabling consumers to quickly andeasily pay bills at places they visit as part of their daily lives.

In some of our LATAM markets, we enable merchants to choose to get
paid more quickly than the traditional settlement processes. For example,
in Argentina, our anticipation business enables merchants of all sizes to receive
settlement funds in 48 business hours versus the traditional 18-working day
settlement window for some merchants. Enabling merchants to receive funds
faster allows them to better meet their business or cash flow needs.
We continue to improve Rapid Deposit, which allows merchants to transfer
daily card-based sales to their bank account in real time for immediate access.
Recent enhancements to the solution simplify enrollment, expand schedulingcapabilities, and increase visibility through contextual placement in both the
Clover Dashboard and on the Clover point-of-sale device. As a result, thefeature is more accessible and convenient for merchants when they have aneed for immediate funds.

2023 Corporate Social Responsibility Report

Supporting Financial Access30

01 Message from leadership

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

Supporting Financial Institutions
Mission-Driven Institutions
We embrace our responsibility to support the economic inclusion of mission-driven
financial institutions. Minority Depository Institutions (MDIs) and Community
Development Financial Institutions (CDFIs) have long played a key role in closing thewealth gap by providing access to financial services in low-income, underserved andrural communities as well as providing access to capital for diverse small businesses
and entrepreneurs.
Our CSR team works cross-functionally to support and strengthen relationships with
MDIs and CDFIs. In 2023, we began engaging with leadership at these institutions
to better understand their strategic plans, objectives for digital modernization andchallenges, and to explore partnership opportunities focused on driving impact in thecommunities they serve.
As part of our engagement process, we launched the Fiserv MDI Advisory Council.
Comprised of executives and senior leaders from MDIs, the Fiserv MDI Advisory
Council provides a platform to expand on our prior engagements, receive direct
feedback, explore and discuss industry developments, exchange ideas, provide input
on technology developments and collaborate on the overall support of mission-driven
financial institutions. The outputs from this advisory council have focused our attention
on key areas of importance for MDIs, such as:
 E
 nabling digital modernization to improve digital offerings and deploy capabilities
that strengthen their competitive position
 C ollaborating on opportunities to empower small business growth in theircommunities and provide tools and operating platforms that improve small
business efficiencies

Our community banking and credit union MDIs and CDFIs deeply understand theircommunities and we expect that our collaboration will enable us to deliver programs,
products and services that will enable MDIs and CDFIs, and the communities they
serve, to grow and thrive.

CSR-Aligned Financial Institutions
We seek to provide products and solutions that align with the mission and goals offinancial institutions. For example, when one of our clients was looking to integrate
climate consciousness into part of their services offerings, we demonstrated how
our Finxact solution could connect to third-party fintechs through APIs to apply
calculations such as the estimated carbon footprint of a transaction category.

2023 Corporate Social Responsibility Report

 S upporting efforts to identify revenue opportunities through increased merchantengagement with small businesses in their communities

31

01 Message from leadership

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

Supporting Merchants and Consumers
Streamlining Business Operations
Small businesses have historically been underserved when it comes to their payment
needs, and manual and paper-based processes are still commonly used. We areworking to enable financial institutions to address these pain points with CashFlow
CentralSM, an integrated digital payment and cash-flow management experience thatwill allow small businesses to send electronic invoices, accept payments through ACHtransfer or credit card, digitize supplier invoices and pay billers and suppliers througha bank account or credit card. The solution can be extended further with capabilities
for expense management and card issuing, as well as in-store and online merchantpayments through the Clover point-of-sale and business management platform,
delivering a comprehensive end-to-end suite of small business payment capabilities
through financial institutions.
Our Clover point-of-sale and business management platform also plays a critical role inthe daily operations of our clients across industry verticals. Our objective is to simplify
and support the critical jobs our clients perform through simple and intuitive software.

Building With Accessibility in Mind
We seek to ensure that our clients, merchants and our merchants’ clients havea seamless experience with our Clover devices. We understand that not all clients
will interact with Clover in the same way, and part of our objective is to take steps
to support accessibility as part of the Clover experience. Over the past year,
to make Clover more accessible, we have: Built a web chat feature that works with assistive technology for clients
 Initiated an accessibility training curriculum for designers and engineers Created a framework for product accessibility

We seek to ensure that our clients,
merchants and our merchants’clients have a seamless experience
with our Clover devices.

In addition to the work on our POS devices, our Output Solutions business is working
to support “notched” cards that can help blind or partially sighted consumers identify
a credit or debit card by touch. The notches allow a cardholder to identify a particularcard, as well as orient the cardholder to which end to insert or tap on the POS device.
Our Output Solutions’ facilities are capable of producing these cards and we are
currently piloting with clients.

2023 Corporate Social Responsibility Report E
 stablished protocols and methods for our web engineers to build accessible
web pages32

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

With the Back2Business grant, Duneberry Farms Disc Golf Course
is not just building tee pads for our second course, we are cultivating
growth for our community. This grant isn’t just about expanding ourbusiness, it is about creating opportunities to host more significant
events and generating local revenue.”
Theresa Irving

Owner
Duneberry Farms & Retired Air Force Veteran09 Appendix

2023 Corporate Social Responsibility Report

01 Message from leadership33

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

Back2Business

Veteran Business Support

Our Back2Business program, launched in 2020, helps small, diverse-owned
businesses through grants, supply chain and resource connectivity
opportunities. Since inception, we have provided 1,800 grants totaling nearly$18 million to minority-, women-, veteran-, LGBTQ+-, disability- and ethnicallydiverse-owned businesses across the U.S. and U.K.

We provide a variety of small business solutions and resources to support
veterans and military-connected entrepreneurs. We also honor military
service with special business offers for veteran and military-spouse businessowners through our Clover product suite, including free processing on
Independence Day and Veterans Day.

With the infusion of capital, and connections to community partners andtechnology, we have seen a positive impact on these businesses. In a 2023
survey of Back2Business grant recipients, 100% of respondents indicatedthe Back2Business program helped their business and over 40% credited
Back2Business grants with helping their business remain open.
We continue to evolve Back2Business, creating pop-up opportunities andengaging the small business ecosystem through community partners,
because we believe small businesses are the backbone of our communities,
and providing resources through programs like Back2Business helps ensure
their success. Going forward, we will continue to evolve our programing toengage with our community partners, to expand our programing reach andto meaningfully impact small businesses and our communities.

Data and Research
Fiserv Small Business Index™
The Fiserv Small Business Index provides a comprehensive snapshot of
the small business sector in the U.S. The Index provides information about
the health of small businesses by state and industry and enables additional
intelligence using small business insights, consumer spending and financial
health. This data can provide data-driven internal insights for strategic decision
making and enables insights for external thought leadership. The Fiserv Small
Business Index can be found at: Fiserv Small Business Index.

08 Supporting dataand policies

09 Appendix

2023 Corporate Social Responsibility Report

01 Message from leadership34

01 Message from leadership

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

Community Engagement and Investment

Our approach to community investment and community engagement encourages
thoughtful, strategic investment in deploying our time, resources and talent.
We engage our communities through outreach and partnerships, and we actively partner with outsideorganizations to increase the reach and impact of our support. Our community engagement and philanthropy
strategy includes working with partners to support areas such as social entrepreneurship, women in technology,
university engagement and partnership, and STEM education. In 2023, our community investments totaled morethan $10 million.

Russell Innovation Center for
Entrepreneurs (RICE)
In 2021, Fiserv committed $1 million to
Atlanta-based RICE and we continue to growour partnership to help them support small,diverse businesses. With the help of ourinvestment, RICE has been able to scale its
programing from directly serving 200 diverse
entrepreneurs in 2020 to more than 350 in
2023. This programing includes facilities
enhancements, technical assistance toentrepreneurs tailored to their growth stage,
and development of infrastructure, curriculum
and research to help them scale and continue
along their path of smart growth. By 2027,
RICE aims to increase their support to morethan 1,000 diverse entrepreneurs.
In 2023, in celebration of Juneteenth,
we partnered with RICE to open the
Back2Business Grant Portal for Georgia-based
diverse-owned businesses, held a firesidechat featuring RICE stakeholders andBack2Business grant recipients, and hosted
a marketplace featuring Black-owned

businesses who are stakeholder companies
at RICE. Through our continued investment
in RICE, our partnership will continue
to support job creation, wealth increase
and advancement of pathways for Black
communities across the U.S.

We continue to boost financial inclusion andentrepreneurship by sponsoring the Girl Scout
Cookie Business badges. The Cookie
Business badges help girls think likeentrepreneurs as they run their own cookie
businesses and incorporate online sales
and the Digital Cookie® platform.

James “Jay” Bailey

Girl Scouts of the USA
We are proud to partner with the Girl Scoutsof the USA through our support of events likethe Girl Scouts of the USA annual convention,
Phenom 2023. More than 10,000 people
attended this event, and we shared withyoung leaders how Clover can help drive small
business growth for women entrepreneurs
and provided insights into creating a smarter,
more technologically agile future. Attendeesof the conference also heard from Fiservambassador, philanthropist, two-timeBasketball Hall of Famer and coach, Nancy
Lieberman, who spoke about her journey,navigating gender stereotypes, and advice she
has for young women pursuing their goals.

Military Entrepreneurship Forums (MEF)MEF utilizes our partnerships with theInstitute for Veterans and Military Families(IVMF), the Small Business Administration,
regional chambers, incubators and resource
providers to bring together local public
and private sectors in large cities to createconnectivity, networking opportunities, andresources for veteran and military-spousebusiness owners. In 2023, MEF hosted
three, in-person events and one virtual
event. Over the past two years, more than
500 entrepreneurs have participated in an
MEF event.

2023 Corporate Social Responsibility Report

Inclusive Entrepreneurship

At RICE, we are boldly
disrupting barriers toeconomic wealth thatmany Black businesses
face in today’s society.
We are taking expedientaction with communityminded organizations, likeFiserv, to do more to lift
equality for those whoneed it most.”

35

01 Message from leadership

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

Women in Technology
CodeCrush

Mary Uslander
SVP, Head of Commercialization& Client Experience

PayTechWe continue to invest in the professional development of our associates bypartnering with organizations like PayTech Women (PTW). PTW seeks to createa stronger and more diverse industry by empowering and investing in women.
PTW engages with women from senior-most levels to new hires, helping
them navigate their organizations and overcome barriers to success. As partof our partnership, PTW provides access to mentors, the latest programing,and career services. All Fiserv associates have access to our membership, andmore than 40 senior and emerging Fiserv leaders attended the 2023 PayTech
Leadership Summit. During the summit, Whitney Stewart Russell, SVP, Digital
Solutions; Jessica Rogers, Senior Manager, Sales Operations; and Tiara
Berry, Senior Manager, Corporate Citizenship, participated in panel sessions
discussing gender equality in the workplace and the culture of payments.

Women in Business and Technology
In EMEA, we sponsor and participate in the Women in Business andTechnology Expo, an annual gathering for professional women looking
to progress their career or grow their business. Our participation in the
expo enables us to connect with women professionals, share ourcommitment to inclusivity and learn from others in the field.

2023 Corporate Social Responsibility Report

PayTech Women
strives to ensure ourindustry continues
to become morediverse, creativeand productive
and thereby more
profitable, and Fiserv
wants to be partof that importantjourney.”

We are proud to sponsor a unique program aimed at helping young womenlearn more about pursuing a career in technology. CodeCrush – foundedby University of Nebraska at Omaha professor Dr. Deepak Khazanchi – is athree-day immersive experience designed to close the gender gap in IT andcomputer sciences. The program gives 8th and 9th grade students, alongwith their teachers, the opportunity to explore IT careers through hands-on
experiences with traditional computer science topics and emerging areas
such as bioinformatics, data analytics, data visualization, simulation, AI
and cybersecurity.

36

01 Message from leadership

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

University Engagement
University of Georgia Small Business
Development Center (UGA SBDC) at
Morehouse College

Dr. Mike Haynie
Executive Director of the IVMF &Vice Chancellor for Strategic Initiatives and Innovation

We are proud to partner with RU-N to help
drive diversity and innovation within thefinancial technology field. We help support
RU-N efforts such as the Center for Urban
Entrepreneurship and Economic Development
and Rutgers Advanced Institute for the
Study of Entrepreneurship and Economic
Development. These efforts work withminority-, women- and veteran-owned
businesses in Newark and other towns andprovide curriculum and programing designed
to support small, diverse businesses from
ideation to scale and trains early-stage
companies for an acceleration to the nextlevel of business growth.

Georgia Institute of Technology Financial
Services Innovation Lab (FSIL)
We seek to grow our understanding of the
populations and businesses who use oursolutions every day, and we look to positively
impact people’s financial lives. We believe data
can be used to better understand the financial
health of consumers and small businesses andactively create opportunities to further financial
inclusion. In 2022, we commenced a multiyear
partnership with FSIL in its research of thefinancial health of consumers and small
businesses. As part of the partnership,
FSIL uses our data to better understandresponsible and sustainable finance and how
economic shocks impact consumers and small
businesses. One current project, for example,
examines the impact of extreme heat or coldon small businesses.

Syracuse University’s D’Aniello Institute for
Veterans and Military Families (IVMF)
IVMF is higher education’s firstinterdisciplinary academic institute singularly
focused on advancing the post-service livesof the nation’s military veterans and theirfamilies to serve those who have served.
IVMF provides programs and services incommunities across the country and their
online programs are accessible globally. Fiserv
started this relationship in 2014 and has grownits commitment to IVMF to $14 million. With
this funding, IVMF served approximately
20,000 individuals in 2023.

2023 Corporate Social Responsibility Report

The growth of the D’AnielloIVMF and its 13 national,
veteran-serving programs
is due in large part to thesteadfast commitment of Fiservto the military and veterancommunity. We are gratefulfor their continued support andcommitment to the IVMF.”

We have partnered with the UGA SBDC
at Morehouse College to positively impact
underrepresented small business owners in
Georgia. Our support has enabled UGA to assist
more than 100 aspiring business owners per year
to provide consultation and training, including on
topics like the Myths and Realities of Minority
Financing, How to Finance Your Business, andHow to Buy a Business. Based on various impact
indicators, the sales and employee growth in
UGA SBDC client businesses have exceeded
peer businesses in Georgia.

Rutgers University-Newark (RU-N)
Program for Inclusive Innovation

37

01 Message from leadership

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

STEM and STEAM Education
FIN Future Techies
We are committed to advancing today’s young talent as an opportunity to discover tomorrow’s
trailblazers and cultivate the next generation of technologists. FIN Future Techies is a STEAM education
program for students in grades five through eight. First launched in partnership with the Watchung andBerkeley Heights, NJ school districts, this 12-week program allows students to experience the fintech
world through hands-on sessions with distinguished engineers and experts on-site at Fiserv. At the endof the program, students work in small groups to create and present a final project that solves a problem
using the tools and technology learned through the program.
Over 100 students participated in our spring and fall programs in 2023 and we are expanding the
program to our Alpharetta and Omaha locations in 2024. Our initial pilot program received
the New Jersey Catalyst of Education Award.

Junior Achievement Ireland
In EMEA, our teams have partnered with Junior Achievement Ireland to help prepare young people
for employment and entrepreneurship by delivering hands-on, experiential learning in work readiness,financial literacy, entrepreneurship and the value of STEAM. Fiserv associates volunteered in schools,
conducted mock interview workshops and facilitated STEAM career pathways events.

In India, our APAC team partnered with United Way Mumbai and Experifun on a six-month,self-paced online financial course that encouraged financial literacy among young womenfrom economically disadvantaged sections of society. Over 200 students from six schools in
Noida participated in the program and top students from 11th and 12th grades were provided
scholarships to pursue higher studies in STEM subjects. In Pune, our team partnered with United
Way Mumbai on a similar program that provides engineering scholarships to female students
from low-income communities. This program provides opportunities for selected candidates topursue courses in STEM and helps with development through educational support and student
enrichment initiatives. We expect to continue these volunteer efforts and to assist with financial
literacy workshops, career awareness workshops and cybersecurity workshops.

During the program, FIN Future Techie students participate in
Techie Tracks – informative, hands-on sessions about technology
and concepts, including:
App Fundamentals
ATM Experience
Clover Academy
Cybersecurity
Data Diving and Visualization

STEM Labs Project

Designing With Technology

Started in 2021, with a vision to make STEM more accessible to underserved students,
our STEM Labs project provides experiential STEM learning through a series of laboratories
designed to instill interest and make education interactive. In 2023, this project delivered
laboratories across the National Capital Region, Bengaluru and Pune. With the addition of 26
schools, we now support the delivery of STEM education to over 17,000 underserved children
through a network of 34 laboratories at public schools.

Entrepreneurship and Technology
Machine Learning and Artificial Intelligence
The Evolution of Money

2023 Corporate Social Responsibility Report

Financial Literacy Training and STEM Scholarships

Virtual Reality
38

01 Message from leadership

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

Srini Krish

President
Global Services at Fiserv

2023 Corporate Social Responsibility Report

Empowering our communities where we live and work is integral
to fostering inclusive development. Through our STEM education
initiatives across the country, we hope to make experiential learning
accessible to young minds from underserved schools. It is ourcontribution to the foundation of the national talent pool, and weshall continue to give back to our society in the best possible ways.”39

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

Philanthropy and Giving

In addition to our community engagement and partnership strategy,
we support communities and businesses through philanthropic giving.
Fiserv and its associates donate and volunteer to help support humanitarian causes and disasterrecovery relief around the world.

Humanitarian Causes and Disaster Recovery

Associate Giving and Volunteering

The health, safety and well-being of ourcommunities is vital to the stability of commerce.
We closely monitor developments around theworld and when humanitarian or climate-related
events occur, we mobilize our resources to help
people and businesses in need. For example,
when wildfires wreaked havoc on communities
across Hawaii, we committed funds to the Maui
Strong Fund of Hawai’i Community Foundation(HCF). We also opened our internal giving portal
so our associates could support the fund’srecovery efforts.

We encourage our associates and ERGs
to pursue community engagement that ismeaningful to them. Through our Fiserv Gives
Back portal, associates can track volunteer hours,
make donations to community organizations,and find volunteer opportunities year-round.
Additionally, throughout the year, we sponsor
matching campaigns on days like Giving Tuesday.

When conflict struck in the Middle East,
we supported the American Red Cross,which works closely with the International
Committee of the Red Cross – an independent
organization ensuring humanitarian protection
and assistance for victims of armed conflictand other situations of violence. In addition to
supporting people and businesses in need,
we coordinate support to ensure the safety
and security of our associates and theirfamilies and deploy assistance through our
Employee Assistance Program when needed.

In 2023, we made it easier for associates tocontribute to causes they care about. U.S.
associates are now able to donate to nonprofit
organizations through the Fiserv Gives Back
Portal through one-time or recurring
payroll contributions.

In 2023, more than 6,000
associates across Fiservvolunteered more than 19,000
hours to local non-profits. During
the Season of Giving, associates(with Fiserv matching) donatednearly $600,000 to over 1,000
nonprofits globally.

2023 Corporate Social Responsibility Report

01 Message from leadership40

01 Message from leadership

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

Regional Campaigns
APAC Gives Back
In APAC, we partner with organizations to give back. In 2023, in conjunction with oursponsorship of the Sydney Swans Football Club, Fiserv associates in Australia supported
RedKite – an organization that supports families affected by childhood cancer – on the
Sydney Swans RedKite Day, through fundraising and a bag-pack initiative to provide
essential items for impacted families.
Elsewhere in the region, we partner with organizations to support impactful initiatives togive back to local communities. For example, associates in Singapore helped raise funds
for Food Bank Singapore, and 70 associates helped package and distribute nearly 500
food bundles. In India, our teams partnered with United Way Mumbai on the Let’s READ
Carnival to help reinforce the importance of education in young children.

EMEA Gives Back

Fiserv Global Services India Gives Back
Global Services associates in India undertook a variety of projects throughout the year,
volunteering over 900 hours to events focused on promoting education, increasingsocial inclusion and addressing local environmental issues. Among others, associates
participated in the celebration of International Women’s Day and Women’s History
Month, STEM exhibitions and mentoring, Pan-India Bio-Diversity Drive and the
Season of Giving.

LATAM Gives BackIn Panama, our LATAM associates volunteered with the Las Claras project,a program sponsored by Vital Voices to support teenage mothers with the completionof high school. Our associates participated in workshops on completing school andsuccessfully managing job interviews.

Across Asia-Pacific, Fiserv provides associates opportunities togive back in direct, meaningful and significant ways to the local
communities where they live and work. We are committed tocreating positive impacts in our local communities with a focus
on community engagement and support, education, women
empowerment and sustainability.”
Ivo DistelbrinkExecutive Vice President
and Head of APAC

2023 Corporate Social Responsibility Report

In the U.K., our associates and Culture Circle members support Havens Hospice, anorganization who provides specialist care and support to people of all ages who are livingwith incurable conditions. Throughout the year, our associates participated in various
fundraising activities, including a Race4Business where over 50 associates participatedas runners and a Christmas market where associates volunteered.

41

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

Business Diversity

Increasing opportunities for diverse businesses makes
our business stronger.
Supplier Diversity
We are committed to integrating supplier diversity into strategic sourcing
processes to increase opportunities for small or diverse suppliers, to generate
efficiencies, and to promote innovation. Over the past year, we have continued
our work with supplier diversity partners and certifiers to increase representationof qualified and certified minority-, woman-, disabled-, veteran- andLGBTQ+-owned business as well as small, local businesses.
Notable supplier diversity highlights include: An increase in Tier 1 diverse supplier spend by more than $50 million
compared to 2022
 Over 6% of our addressable spend in 2023 was with small and/or
diverse businesses
 Sponsorship of the Small Diverse Business program at the Georgia
Chamber of Commerce
We encourage diverse suppliers to create profiles within Supplier.io – athird-party application – to be considered for procurement opportunities.

Sourcing Certifiers Disability:IN National LGBT Chamber of Commerce National Minority Supplier Development Council
 National Veteran-Owned Business Association
 Women’s Business Enterprise National Council

Supporting an Inclusive Ecosystem
In addition to working with certifiers, we have partnered with organizations
such as RU-N who have developed programs that support supplier diversity.
The Fiserv RU-N Program for Inclusive Innovation is a research and incubation
space for the RU-N community and local businesses. We also partner with
the RU-N Center of Urban Entrepreneurship and Economic Development tosupport the Entrepreneurs Pioneers Initiative (EPI)™ which provides selectedparticipants with monthly classes, training, one-on-one counseling, financial
guidance, peer coaching and networking opportunities to help growth-stage
businesses succeed.

2023 Corporate Social Responsibility Report

01 Message from leadership42

02 About this Report

We continue to look for ways tosupport small, diverse businesses
and grant recipients through pop-up
events and marketplaces.

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

Fiserv Pop-Ups and Marketplaces
As an extension of our Back2Business program, we continue to look for ways
to support small, diverse businesses and grant recipients. One of the ways
we continue to support these businesses is through our pop-up program.
Through this program, we invite small, diverse businesses to participate inassociate and community engagement activities. These events enable us to
support local businesses by purchasing products and services for specific
events while expanding awareness of the products and services they provide.
In 2023, we hosted nearly 200 pop-up events.

In addition to small business pop-up events, we provide marketplace
events where associates and others can access small business products
and services at either a Fiserv facility or a community partner location. In
2023, we hosted marketplace events at sites in Alpharetta, Atlanta, Berkeley
Heights, Milwaukee and virtually. These events increase associate awarenessof and engagement with new merchants.

2023 Corporate Social Responsibility Report

01 Message from leadership43

01 Message from leadership

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

Champion
responsible
businesspractices

Our commitment to governance starts at the top andis embedded throughout the organization. The board of
directors is responsible for providing advice and oversightof the strategic and operational direction of the company
to support our and, our shareholders’, long-term interests.
Our board is also responsible for ensuring we conduct
our business in a highly ethical manner and consider ESG
matters to create an environment that respects and values
all employees and promotes corporate responsibility.

2023 Corporate Social Responsibility Report

At Fiserv, we recognize the importanceof strong governance as part of ouroverall strategy.

44

02 About this Report

Board Composition
and Diversity
Our board of directors has four standing committees,
all comprised of solely independent directors:
an audit committee; a nominating and corporate
governance committee; a talent and compensationcommittee; and a risk committee.
The nominating and corporate governance committee
regularly assesses the appropriate size of the boardof directors, strategic needs of the board, skills andcompetencies of our directors, and whether any
vacancies on the board of directors are expected
due to retirement or otherwise. The committee
evaluates prospective nominees in the context of thethen current constitution of the board and considers
all factors it believes appropriate, which include
those set forth in our governance guidelines suchas personal ethics and integrity, business judgment,
experience, an ability to represent the long-term
interests of shareholders, and sufficient time to
devote to board activities.
The board expects that it will consist of directors
who are best-in-class and include individuals ofdiverse gender, sexual orientation, race, ethnicity,
nationality, cultural background and age, and ourboard is committed to actively seeking qualified
female and racially/ethnically diverse candidates
to enhance the diversity of the board. The board
continues to be diverse, including with respect togender and race/ethnicity. In the past 12 months,
we have added 3 new independent directors,
and for election as a director at our 2024 annual
meeting, 60% of our director nominees are diverse,
including 30% who are women and 40% who are
diverse in race and/or ethnicity.

03 About Fiserv

04 Empower people

05 Advance communities
and society

Tenure and Diversity of our
Nominees for Director at our 2024
Annual Meeting of Shareholders

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

Board of Directors

Tenure1

58+ years< 3 years

4 Years
4

AverageTenure4-8 years

Frank J. Bisignano

Henrique De Castro

Harry F. DiSimone

Lance Fritz

Ajei Gopal

Dylan Haggart

Wafaa Mamilli

Heidi G. Miller

Doyle R. Simons

Kevin M. Warren

Charlotte Yarkoni

Racial/Ethnic Diversity

1 African/
American/Black40%

Diverse6

White

1 Hispanic/
Latin
African/
1 NorthMiddle Eastern

1 AsianGender Diversity

7

3 Female

Male

30%

Diverse2023 Corporate Social Responsibility Report

01 Message from leadership45

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

Shareholder Engagement
Engaging with shareholders to understand their priorities and areas of focus isfundamental to our commitment to good governance. Feedback from shareholders
is shared with our management and the board and helps inform enhancements
to our governance and corporate responsibility practices. During the year, we
contacted shareholders that owned approximately 60% of our outstanding
shares and engaged with shareholders owning approximately 45% of our shares.
Shareholders remain interested in our CSR reporting, including alignment torecognized industry disclosure frameworks. In response to these discussions, overthe past several years we have enhanced our CSR Report to align with the Global
Reporting Initiative (GRI), the Sustainability Accounting Standards Board (SASB),
and the Task Force for Climate-Related Disclosures (TCFD).

2023 Corporate Social Responsibility Report

01 Message from leadership46

01 Message from leadership

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

ESG Governance at Fiserv
Nominating andCorporate GovernanceCommittee

Governance at Fiserv

Corporate
Audit

Committees
and Working
GroupsAudit Committee

Our board is responsible for reviewing
management’s strategic and financial
plans. The board also monitors corporate
performance against those plans, including
overseeing operating results on a regularbasis. At least quarterly, the chief executive
officer, chief financial officer and othermembers of management provide detailed
business and strategy updates to our board.
Our directors engage with the seniorleadership team and other members ofmanagement regarding, among other topics:
business objectives; our budget, capital
allocation plan, and financial and operating
performance; the competitive landscape;Our board of directors has ultimate oversightof our approach to ESG. In its risk oversightrole, the board, as a whole and at thecommittee level, is provided regular updates
from our leadership about the risks facedby the company, including those pertaining
to environmental, social and governancetopics. The nominating and corporate
governance committee has oversight for ourenvironmental, corporate social responsibility
and ESG programs, policies, disclosures andreporting, while the talent and compensationcommittee’s responsibilities include humancapital strategy, including with respect
to diversity, equity and inclusion, talentengagement and culture.

Board ofDirectors

CEO

Individual
Contributors

Management
Committee

Risk Committee
Management

Talent andCompensation
Committee

Enterprise Risk
and Controls

ESG Oversight
Audit Committee
Internal and external
auditor oversightFinancial risks ode of Conduct andCBusiness Ethics

 nterprise risk management
E
program review

Nominating and Corporate
Governance Committee

Risk Committee

Director nominations

Enterprise risk management

Corporate governanceoversight isk assessment andRmanagement



Government relations

ESG programs and practicesCommunity engagementRegulatory exams

Talent and Compensation
Committee
Talent engagement,
including recruiting,development and retention

CybersecuritySuccession

Data privacy ompensation and benefitsC
strategy

Technology egal and regulatoryLcompliance iversity, equity andD
inclusionOrganization culture2023 Corporate Social Responsibility Report

The overall mission of the Fiserv boardof directors is to maximize long-term
shareholder value, ensure the company
conducts its business in a highly ethicalmanner, and create an environment that
respects and values all employees andpromotes corporate responsibility.

product and technology updates; and potential
acquisitions, investments and partnerships.
Our board is also responsible for planning
management succession and monitoring andencouraging ethical behavior and compliancewith laws, regulations and corporate policies.

47

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

Management Oversight
Our Head of Corporate Social Responsibility (Head of CSR) reports directly to
the CEO. This position is responsible for establishing and implementing our CSR
program and our climate-related strategies. The Head of CSR provides updates tothe board and management committee on a quarterly basis or as needed by thenominating and corporate governance committee.
While the Head of CSR is a key figure in our CSR program, other executives andsenior leaders within the company play an important role in the management
and execution of our ESG strategies, including our climate-related strategies. The
Head of CSR collaborates with and informs business units and functional leaders
on ESG topics through a variety of forums, including management committee
meetings, senior leadership meetings, outreach and partnerships. We continue
to grow our internal engagement and partnerships to promote the success of our
CSR program. Some of our internal partners include:

CSR Internal Partners
 Chief Accounting Officer
 Chief Audit Officer
 Chief Human Resources Officer
 Chief Information Security Officer
 Chief Legal Officer
 Chief Marketing Officer
 Chief Risk Officer
 Chief Technology Officer
 General Counsel
 Global Head of Data Privacy
 Head of APAC
 Head of EMEA Head of Global Real Estate Head of Government Relations
 Head of LATAM

CSR and ESG Roles

Working Groups

Across Fiserv, there are associates, committees
and working groups that contribute to our ESG andclimate-related strategies.

In addition to our teams, we have committees
and working groups across the organization thatconsider ESG topics. Our CSR Committee and our
D&I Advisory Council meet throughout the year andare responsible for developing and promoting theimplementation of our CSR program, which includes
people, products, and planet. The committees
include senior leaders and executives from acrossthe organization to provide guidance, perspective
and input on our approach to CSR and D&I.

Reporting to the Head of CSR is a corporate
citizenship team, a VP of CSR and a VP of Strategic
Client Engagement. The corporate citizenship teammanages our ERGs, philanthropy and community
investment, military engagement strategy, andD&I programing. The VP of CSR is responsible
for our ESG strategies and disclosures, including
sustainability and climate-related strategies. The
VP of Strategic Client Engagement is responsible
for our MDI and CDFI engagement, support andcollaboration, including the MDI Advisory Council.
These teams work with peers across Fiserv toexecute, inform and implement our CSR and ESG
programs and strategies.
The VP of CSR works closely with the Global Headof Facilities, Energy & Sustainability – who reports to
the Head of Global Real Estate – on our sustainability
and climate-related strategy. The Global Head ofFacilities, Energy & Sustainability also has an energy
and sustainability team that works on sustainability
related real estate initiatives and manages ourdeveloping Sustainability Ambassador program. The
VP of CSR and the Global Head of Facilities, Energy& Sustainability meet regularly with the Head of CSR
to coordinate on our climate strategy. This approachto collaboration allows for a broad contribution ofexpertise across the organization to address thechallenges associated with sustainability programing.

Our sustainability working group is comprisedof senior leaders from technology, operations,finance, audit, sourcing and other teams and is led
by our VP of CSR and the Global Head of Facilities,
Energy & Sustainability. The group meets quarterly
and reviews emerging trends, developments andissues related to corporate sustainability. The
working group reviews our climate-related data
and reporting and provides input and guidance on
the development and execution of sustainability
programing and initiatives.
In 2023, in recognition of the changing global
landscape around climate-related issues,
we created a regional sustainability working
group to review and align the sustainability- andclimate-related programing, data and reporting
across regions. This working group focuses on
addressing the sustainability priorities and strategies
across our regions to ensure they fit within ouroverall sustainability strategy.

2023 Corporate Social Responsibility Report

01 Message from leadership Head of Strategic Sourcing
48

01 Message from leadership

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

Risk Management

Our management is responsible for managing risk and our board is
responsible for overseeing management. To discharge this responsibility,
the board seeks to be informed about the risks we face so that it may
evaluate actual and potential risks and understand how management isaddressing such risks. To this end, the board, as a whole and through its
committees, regularly engages with management and outside advisors
about the risks we face. The audit committee of the board of directors
annually reviews our ERM program jointly with the risk committee andmonitors our internal control process, including disclosure controls andprocedures with respect to corporate communications containing materialrisk-related disclosures.
Enterprise Risk Management Overview
We maintain an Enterprise Risk Management (ERM) program with astructured risk-assessment process that supports strategic planning anddecision making. The ERM program is overseen by the risk committeeof the board of directors and reviewed annually by the risk and audit
committees of the board of directors. The risk committee reviews anddiscusses with management key risks, including cybersecurity, resilience,technology, privacy and data management, credit, settlement, liquidity,
third-party, regulatory compliance and market risks. The risk committee also
reviews and discusses with management the risk appetite relating to key
risks, as well as the guidelines, policies and processes for monitoring andmitigating such risks. This approach provides the foundation for controls andgovernance necessary to manage risk such as those related to climate.

Our approach to risk management includes a global coverage modeland the ERM function is responsible for maintaining and monitoring
the risk profile of the enterprise. ERM processes are designed to
identify, control, assess and measure, treat, and govern risks across allareas of Fiserv, and across all our businesses. The ongoing risk profile
is reviewed with leadership and the risk committee of the board of
directors on a quarterly basis.
Risks are considered based on the impact and likelihood of the risks tooccur, and our ability to manage those risks through mitigating controls.
We evaluate the various ways these risks may affect our business,
including the potential impact to financial performance, operations,cybersecurity and technology, regulatory compliance, strategy andreputation. The risks are considered independently and scored basedon likelihood and impact. The flexibility of our risk framework currently
allows us to consider ESG risks within the same processes as other risk
considerations. Climate-related risks are considered within our current
processes and identified in our business risk universe and are evaluated,recorded, rated and managed like any other risk.
Our global risk coverage model also includes senior risk officers,
who are assigned to each line of business to support the consistentexecution of policy requirements, and risk domain subject matter
experts, who provide firmwide expertise and guidance for specificcategories of risk. This model – strengthened by engaged businessleaders, an executive-level risk committee and comprehensive board
oversight – reflects an integrated approach to risk management that
supports a culture of accountability and oversight.
As part of our ERM program, we consider climate-related risks as part of
our Location-Based Risk Assessments (LBRAs). These assessments are
performed at a site level across geographic locations and examine thelikelihood of occurrence and potential impact of disruptive scenarios –environmental, physical and technological – to the various types offacilities. Impact and likelihood ratings are determined through LBRA
meetings held with the appropriate subject matter experts withknowledge of the facility or relevant risk domains. The LBRA also
assesses the effectiveness of certain controls that may be in place toprepare and protect the facility with regards to the in-scope scenarios.
The outcome of the LBRA informs the Business Resiliency andDisaster Recovery programs.

2023 Corporate Social Responsibility Report

We recognize the importance of a strong risk management and oversightframework. The risk committee of the board of directors is responsible
for oversight of key company risks, including cybersecurity, risk appetite,risk governance structure, regulatory exams, risk management andother top risks. The risk committee regularly reviews and discusses withmanagement key risks, as well as the guidelines, policies and processes formonitoring and mitigating such risks, and periodically reviews and approvesa list of top enterprise risks. In addition, the risk committee monitors andreports to the board regarding any issues arising with respect to the risk
governance structure and performance of the risk management function,and regularly engages with the Chief Risk Officer to ensure that the risk
management function has the appropriate resources and authority to fulfill
its responsibilities.

49

01 Message from leadership

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

Business Continuity Management
Our business continuity management program,encompassing both business resiliency anddisaster recovery, seeks to foster resiliency throughgovernance, standards, procedures and activities
to ensure our organization can function before,
during and after disruptions. We promote resiliency
and manage incident responses through active
collaboration among all relevant stakeholders. This
federated model leverages the subject matter
expertise of internal personnel within their respective
risk or functional domains such as technology,
cybersecurity, physical security, enterprise risk andcontrols, government relations and legal. Businessresiliency planning considers LBRAs where available
to take into consideration risks associated with alocation and recovery strategies likely to be available
during various scenarios. Disaster recovery exercises
incorporate testing against plausible scenarios
informed by LBRAs.

We consider various environmental
developments as part of country
infrastructure reviews

Our geopolitical analysis team considers various
environmental developments as part of country
infrastructure reviews. Country trends, such as
drought, flooding, weather and climate and energy
security, are considered as a part of the overall risk
review. The team identifies and analyzes labor andhuman rights legislation in countries where we havea known presence to highlight areas of potential
risk. The team also enhances associate and asset
security and safety in the context of international
conflicts and foreign relations. In this regard, we
maintain a high-threat country travel policy, which is
updated frequently.

2023 Corporate Social Responsibility ReportCountry and Geopolitical Analysis

50

01 Message from leadership

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

Cybersecurity
As a global leader in fintech and payments, weare committed to protecting Fiserv and our clientsfrom cyberthreats.
Our cybersecurity team is responsible for assessing our technology
environment for cybersecurity risks, identifying emerging cybersecurity
threats and capabilities, and implementing processes and technical defenses
to safeguard our technology environment and services. Our security postureis designed to allow us to rapidly detect and respond to cybersecurity events,
continually improve the effectiveness of cybersecurity controls, technology
and culture, and dynamically respond to the ever-evolving threat landscape.

Cybersecurity Standards
To comply with applicable cybersecurity-related laws and regulations injurisdictions where we conduct business, we have established a Global
Cybersecurity and Technology Management policy using recognized industry
standards from the National Institute of Standards and Technology (NIST) including
the Cybersecurity Framework and Special Publication 800-53 Security and Privacy
Controls for Information Systems and Organizations. The Global Cybersecurity andTechnology Management policy and underlying standards have been designed tomeet applicable industry and regulatory requirements such as: EU General Data Protection Regulation
 Fair Credit Reporting Act

 Health Insurance Portability and Accountability Act
 International Organization for Standardization (ISO) 27001
and 27002 Cybersecurity Controls NIST Cybersecurity Framework
 Payment Card Industry Data Security Standard Numerous state privacy and security laws

Fiserv also maintains PCI DSS certification globally, TSP/P2PE/PINS/Card
Production certifications where applicable and SOC1/SOC2/ISO 27001-2013
within certain geographic areas.

2023 Corporate Social Responsibility Report Gramm-Leach-Bliley Act

51

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

While ultimate oversight of cybersecurity risk resides with the board of
directors, our management has established a cybersecurity and technology
risk committee comprised of the deputy chief information security officers,
sponsored by the chief operating officer, chief risk officer and chief information
security officer. This committee is focused on managing cybersecurity
and technology risk and implementing cybersecurity and technology plans,
strategies and objectives.

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

Cybersecurity Training
People play a vital role in keeping Fiserv and our clients’ data safe. We provide
regular training for our associates regarding cybersecurity threats and security
policies, standards, processes and practices. Required associate cybersecurity
training is complemented by frequent security education and awarenesscampaigns, referred to as Cyber Smart. Each month, Cyber Smart features adifferent security topic such as data loss prevention, phishing and ransomware.

Memberships
Cybersecurity Operations
Our 24/7 Security Operations Center monitors our operating environment.
Monitoring for threat signals is essential to detecting and responding tounauthorized activities or unusual behaviors. Our monitoring relies on acomprehensive set of technologies to discover vulnerabilities, protect systems
from exploitation, and detect real-time threats. We use authentication, nextgeneration anti-virus and malware defenses, security posture management,
advanced detection and response, and modern analytics solutions.
Our cybersecurity services team receives intelligence pertaining to emerging
adversarial campaigns and vulnerabilities, which are sourced from the private
sector, public partnerships such as the Financial Services Information Sharing andAnalysis Center, government agencies such as the Cybersecurity and Infrastructure
Security Agency, and open-source communities. We incorporate this information into
internal intelligence and analytical functions to evaluate and respond to threats.

Our cybersecurity leaders are members of information sharing networks, providing
support, connection and influence. These networks provide a platform for us tocollaborate and contribute to the betterment of the digital transaction community.
We are active members of the Financial Services Sector Coordinating Council(FSSCC) – an industry-led, nonprofit organization that coordinates criticalinfrastructure and homeland security activities within the financial services
industries. The FSSCC brings together over 70 member-partners from financial
trade associations, financial utilities and other critical financial firms. As leadersof the entire industry, we work together, share ideas, develop best practices andpublish this information for all to benefit.
The American Transaction Processors Coalition (ATPC) Cyber Council chaired
by Fiserv leads the ATPC’s continuing initiative to promote public and private
cooperation in cybersecurity for the financial services industry. The Cyber Council
promotes the importance of cybersecurity and resiliency, leads the ATPC’s national
security platform and creates working groups on various initiatives, including
government outreach to educate legislators on cybersecurity-related issues
affecting payment processors.

2023 Corporate Social Responsibility Report

01 Message from leadership52

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

Data Privacy
We take seriously our obligation to handle data responsiblyand ethically.
The responsible and ethical handling of data, including preserving the privacy
and security of data, is central to building and maintaining trust with our clients,
associates and other stakeholders.
Our Global Privacy program continues to evolve to meet the standards for ethicalbehavior set forth in our privacy program, contractual obligations with clientsand partners, and changing legal and regulatory frameworks. Through a crossfunctional, collaborative effort among privacy, compliance, technology, security
and legal experts, we maintain robust processes for risk assessment, cookie
compliance, data retention and disposal, and incident management, among otherthings, to manage customer, consumer and associate data use in compliancewith internal polices and privacy and data protection laws.
We regularly monitor our existing processes and controls regarding thecollection, use and disclosure of data to meet the expectations defined by ourlegal requirements, ethical framework and obligations to stakeholders. We
also build new processes and controls as circumstances arise to adapt to thechanging environment.

09 Appendix

Our global privacy
programs are subject
to privacy regulations
and standards aroundthe world, including:
Brazil General Data
Protection Law
EU General Data Protection
Regulation
Gramm-Leach-Bliley Act
Health Insurance Portability
and Accountability Act
Quebec Bill 64
Transfer Impact Assessments forcross-border EU data transfers
U.S. state privacy laws

Data Privacy Governance
The role of data, particularly in product and service development, continues toexpand. While data can enhance the products and services we provide to clientsand consumers, we recognize a strong data ethics framework is important tooperating in an ethical and compliant manner. In this regard, we continue to focus
on a global data ethics framework, rooted in the following four principles, tomanage client and consumer data.
1.

We Know Our Data

2. We Are Accountable for Our Handling of Data
3. We Are Transparent in Respect of Data
4. We Take Action to Uphold Our Data Ethics Framework

2023 Corporate Social Responsibility Report

01 Message from leadership53

02 About this Report

While ultimate oversight of dataand privacy resides with the risk
committee of the board of
directors, the data management
and privacy risk committee
chaired by the global head ofdata privacy is charged withoverseeing the managementof all data related risks acrossFiserv. The data management
and privacy risk committee
reports to the Fiserv executive
risk committee, the senior-mostmanagement committee
responsible for risk oversight.

03 About Fiserv

04 Empower people

05 Advance communities
and society

In addition to outlining the core principles for data handling, we have establisheddata ethics guidelines that inform how we handle data. Recent enhancements to
our framework include: E xpanding the responsibilities of our enterprise data oversight function,
reporting to the Global Head of Data Privacy, to include the development ofan artificial intelligence governance protocol. This aligns with the functions’established role to build and grow the tools and processes used to support
the responsible and ethical handling of data S upporting the establishment of a cross-functional governance structure tooversee the implementation of artificial intelligence and machine learning
capabilities and establishing the policies and standards for the appropriate
use of these technologies
 C ontinuing to integrate and embed our data use review committee andsupporting processes to review products and services leveraging data

Use New Technologies

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

Payment Platform and Transaction Risk
We enable merchants to connect to payment networks and, as such, operate a global
controls and compliance function to maintain the integrity of the payments ecosystemand comply with network, clearing bank, and local regulations and laws. We often
monitor both sides of payments transactions to help protect our clients and consumers
from fraud and consumer harm, and to prevent prohibited or illegal activity on the
network. We regularly take action to address illicit merchants and to prevent negative
impact to merchants and consumers.
We use sophisticated models and tools, cutting-edge technology, and skilled risk andcontrols personnel to prevent, detect and remediate fraud and prohibited activity across
payment networks. Our fraud and risk teams are industry thought leaders and collaborate
with law enforcement, regulators and industry partners to refer investigations, provide
information on novel schemes, shape new regulation, and provide training. Our fraud andrisk associates are subject matter experts and leaders within organizations such as theInternational Association of Financial Crimes Investigators, the Association of Certified
Fraud Examiners, the Merchant Advisory Group and the Visa Risk Council, and also
participate in other working groups focused on fraud prevention, financial investigations
and driving positive change for security and risk within the payments and fintech industry.

We seek to responsibly use cutting-edge technologies to improve our operations
and to deliver enhanced value for our clients.
In 2023, we worked to develop innovative solutions that use artificial intelligenceand machine learning capabilities. These efforts helped us enhance ourefficiency and productivity and deliver innovative products and services to ourclients. Our responsible use of AI covers a range of beneficial areas including: Creating differentiated, personalized experiences Powering next generation products and services
 Driving operational excellence, process transformation and optimization
 Accelerating the delivery of market-leading innovation for our clients

Merchant Processing

P2P Payments

Our risk monitoring program is designed to
identify credit risk, fraud risk, unqualified or
prohibited activity, and potential money
laundering. Our underwriting policies aredesigned to make sure we know ourcustomers and we are committed topreventing unqualified and prohibitedbusinesses from using our systems.

We provide a platform that includes real-timerisk monitoring to detect and mitigate
potentially fraudulent transactions. Our
approach to risk monitoring seeks to ensurehigh fraud detection rates and low customer
friction with optimized transaction completion rates. As part of our platform, we
evaluate sender and receiver risk to perform
a holistic risk assessment of the transaction.

2023 Corporate Social Responsibility Report

01 Message from leadership54

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

Ethics and Compliance
Our Code of Conduct and Business Ethics(the Code) serves as the foundation for ethicalbehavior across our company and governs associates,
representatives and affiliates of Fiserv.
The Code explains how we, through our actions, personify the Fiserv Values
and interact with our associates, clients, business partners and the communities
in which we operate. We expect our business partners, service providers andvendors to comply with the principles of the Code.

Code of Conduct and Business Ethics
The Code addresses topics such as human rights, discrimination andharassment, business ethics and honest business dealings, anti-bribery
and antitrust. All associates are required to comply with applicable laws
and specific standards relating to legal obligations, ethics and businessconduct. We have clear accountability mechanisms in place to encourage
compliance with these standards.
We support and expect the reporting of any potential violation of our Code,policies, procedures and the law. If there is a concern, we provide a 24-hourtoll-free Alertline, a reporting tool on our internal website, and an email forreporting. Reports can be made anonymously, and investigations are fairly
and objectively conducted. We prohibit retaliation for the reporting of actualor potential Code violations or cooperation with an internal or external
investigation of a violation.
We regularly update the Code to ensure we continue to uphold the highest
standards expected of us as an industry leader. The Code is translated into eightlanguages for our global associate population and all associates are required tocomplete training on the Code every year.

2023 Corporate Social Responsibility Report

01 Message from leadership55

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

Human Rights

Protection of the Rights of Children

As reflected in the Code, we are committed to supporting the 10
principles of the United Nations Global Compact. This means that
our associates have a duty to meet responsibilities in the areas ofhuman rights, labor, environment and anti-corruption. We respect
the human rights of our associates. We support diversity, inclusion,and the elimination of workplace discrimination. We stand against
forced, compulsory and child labor. We are dedicated to providing
a safe and healthy work environment for all associates.

We comply with all applicable laws prohibiting the use of child labor.

We prohibit discrimination and unfair treatment based on race,
religion, color, age, sex (including pregnancy), national origin, ancestry,
physical or mental disability, genetic information, marital or familial
status, gender identity, gender expression, sexual orientation,
military or veteran status or any other characteristics protected bylaw. We strive to create an environment of mutual respect that is
free from harassment of any kind. We comply with laws prohibiting
harassment and our Code expressly prohibits harassment.

Elimination of Human Trafficking and Modern Slavery
We stand against human trafficking and modern slavery. In thisregard, we focus on a risk-based approach in assessing relevant risks
to our business areas, product families and business processes.
Currently, we assess our overall risk profile in relation to ouroperations and supply chain by referencing several factors such as
high-risk industries, high-risk countries and high-risk business models
such as outsourcing work to third parties or contingent workers.
These areas may present higher modern slavery risks to ouroperations and supply chain. To the extent modern slavery risk
factors exist or if there is a reasonably foreseeable risk of modern
slavery practices, it would be considered as part of our risk
assessment process.
We are committed to following all applicable employment relatedlaws, including pay, overtime and work conditions. We also operatein accordance with the U.K. and Australian Modern Slavery Acts andpublish a separate statement on our website.

Supporting the Fight Against Exploitation and Human Trafficking
We are proud to support organizations that seek to disrupt and stop human crimes such as human trafficking, child sexual
exploitation, senior financial exploitation and scams.
We are a steering committee member of the Financial Coalition Against Child Sexual Exploitation (FCACSE), an organization
launched in 2006 by the National and International Center/Centre for Missing & Exploited Children and formed to disrupt theeconomics of child sexual abuse material. Members of FCACSE include dozens of banks, electronic payment networks, card
brands, and payment and internet companies and we jointly developed and currently co-chair the FCACSE Rapid Response
program. The FCACSE Rapid Response program helps enrich and expedite critical research and recovery of abducted andexploited children and has helped lead to the safe recovery of many children.
We also support The Knoble, an alliance of financial, government, legal and NGO professionals dedicated to working together
to stop human crime. The Knoble raises awareness of human crime’s money trail, developing the skills to identify and combat
human crime through financial clues and working together across disciplines to create innovative solutions that can be sharedacross the industry.

2023 Corporate Social Responsibility Report

01 Message from leadership56

02 About this Report

Financial Crimes Compliance
Fiserv is committed to compliance withapplicable laws and regulations relating tocombating money laundering and terrorist
financing activities, and compliance with
global sanctions rules and regulations. The
global financial crimes compliance teamis responsible for developing the policies,
standards and procedures necessary tocomply with anti-money laundering (AML),
counter-terrorist financing (CTF), sanctions,anti-bribery and corruption, and anti-trustand competition requirements.
AML/CTF Program
We have adopted the Global AML and CTF
policy and program to prevent us, along with
our subsidiaries and affiliates, from being
used to launder money or finance terrorism,
and to comply with applicable AML/CTF rules
and regulations. Fiserv entities subject to the
Bank Secrecy Act or equivalent local country
AML/CTF laws must implement formal AML
compliance programs commensurate to therisk and scope of their business, including adesignated AML compliance officer or money
laundering reporting officer. Certain other

Where required by law or contractual
agreement, we maintain procedures
to identify potential Politically Exposed
Persons (PEPs) at account opening.
Associated names (principals, beneficial
owners) are searched against therequired PEP list(s) and enhanced due
diligence is conducted as required.

03 About Fiserv

04 Empower people

Fiserv entities have implemented processes
that either support their clients’ AML
obligations or are performed on a voluntarybasis to reduce money laundering risk.
We have Know Your Customer (KYC)
procedures in our Global KYC policy, whichaccompanies the AML/CTF program.
Additionally, regulated Fiserv entities may
maintain local procedures and guidelines tosupport our Global AML/CTF program.
Government Sanctions and Office ofForeign Assets Controls (OFAC)
OFAC and government sanctions laws andpolicies prohibit us from doing businesswith people or entities that are included
on global sanctions lists. These are known
criminals, drug traffickers, money launderers
and terrorists, among others. We maintain agovernment sanctions compliance policy andprogram that is intended to prevent us, alongwith our subsidiaries and affiliates, from doing
business with sanctioned countries, regimes,
governmental agencies, terrorists, narcotics
traffickers, those engaged in activities
related to the proliferation of weapons ofmass destruction, and other activities thatare of concern to a government’s foreign
policies, national security or economy, andto comply with applicable sanctions rules
and regulations.
Anti-Bribery and Corruption
We have adopted an anti-bribery andanti-corruption compliance policy whichsets standards for compliance with global
anti-bribery and anti-corruption laws wherever
we conduct business. The policy provides

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

guidance on interactions with government
officials and entities, engagement withthird-party representatives, provision of gifts,
meals and entertainment, charitable andpolitical donations, employment decisions
and facilitation payments.
The purpose of the anti-bribery policy is toprovide additional guidance for compliancewith anti-corruption laws and to provide
guidance for reporting any suspectedviolations. Compliance with the law and withthe standards set forth in this policy is more
important to us than any opportunity that may
be delayed or lost because of compliance.
The policy also reinforces that we have zerotolerance for bribery and corruption.
Antitrust and Competition
We have implemented an antitrust andcompetition policy to distribute Fiservproducts and services in a manner thatcomplies with applicable antitrust andcompetition laws and regulations; to establish
standards, practices, procedures and controls
to meet regulatory guidance and industry
standards on antitrust and competition
compliance; and to provide a framework
for mitigating regulatory risks and liabilities.
The policy is driven by a strong, top-down
management culture and an awareness of
how competitive dynamics surrounding ourbusinesses should be managed to achievecompliance with applicable antitrust andcompetition laws and regulations. This
policy is supported through training,education and procedures. Associates
are required to comply with all applicable
antitrust and competition laws.

2023 Corporate Social Responsibility Report

01 Message from leadership57

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

Regulatory Compliance
We are committed to establishing andmaintaining a regulatory compliance programthat effectively manages legal, reputationaland regulatory compliance risk. Our
compliance framework seeks to prevent anddetect violations of regulations and company
policies. The program is tailored to thebusiness strategy and needs of Fiserv and is
supported by regulatory compliance policies
and standards, as well as line-of-businessand subject-specific compliance programs.
Our regulatory compliance program isdesigned to:

08 Supporting dataand policies

09 Appendix

Structured compliancegovernance and reporting
provide management
visibility to regulatory risk
matters, compliance metrics
and trending, and channels
for escalation and oversight.
Regulatory risk matters andcompliance have multiple
forums and committees andare included as standing
agenda items on theexecutive risk committee
and the risk committee ofthe board of directors.

 Identify and establish an understandingof regulatory compliance responsibilities
 C ommunicate those responsibilities toassociates and business partners
 M
 eet expectations and requirementsof regulators
 A chieve compliance with regulatory
requirements and internal
compliance policies
 R
 eview business functions to validatethat regulatory responsibilities are being
met in a timely manner Take corrective action when necessary P rovide effective management informationon the state of regulatory compliance andinternal and external stakeholders

2023 Corporate Social Responsibility Report

01 Message from leadership58

02 About this Report

03 About Fiserv

Commiting to Our Clients
The Fiserv Client Commitment Tracker enables ourclients to view, in a single location, our enterprisecommitments to them. The Client Commitment
Tracker is a single source of information todrive accountability and alignment across our
stakeholders to ensure timely delivery and toempower our clients by providing them real-time,transparent access to our commitments.
In 2023, we onboarded 2,500 clients and aretracking more than 25,000 commitments.
We continue to enhance the tool based onclient feedback and will continue to onboard
clients to provide them access to the data andinsights available.

04 Empower people

05 Advance communities
and society

Lobbying and Political
Expenditures
Our government relations team engages on avariety of issues that could impact our company
or our stakeholders. We believe public policy
engagement can help to protect and advanceour interests. Accordingly, we may exercise ourfundamental right to participate in the politicalprocess through political contributions, where
doing so is legal and appropriate.
The government relations team oversees our
public policy strategy, and political expenditures
are approved in accordance with our politicalcontributions policy. The nominating and corporate
governance committee of the board of directors is
responsible for overseeing our government relations
activities and annually reviews these activities
as well as the Fiserv Political Contributions andExpenditures policy and Lobbying policy. We havea federal political action committee, the Fiserv PAC,

06 Champion responsible
business practices

07 Invest in sustainablesystemsthat makes donations to federal candidates
on a bipartisan basis and is overseen by a
PAC-specific board of directors.
Our political contributions policy and Code of
Conduct include information about how
associates can engage in the political process,and we annually publish a political contributions
report that details our political expenditures.

We were recognized on the2023 CPA-Ziklin Index as
First Tier.

08 Supporting dataand policies

09 Appendix

Taxes
We recognize that paying tax is an
important element of our commitment
to ethical and responsible operations.
Our approach to tax risk management
and governance is to ensure tax objectives
and principles are carried out in an efficientmanner with effective controls. We aresubject to the Sarbanes-Oxley Act, which
requires organizations to maintain effective
internal controls over financial accounting
arrangements, including tax matters.
Additional information for certain
tax matters can be found in our U.K.
Tax Strategy document available on
our website.

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04 Empower people

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and society

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business practices

07 Invest in sustainablesystems

Third-Party Risk Management
As part of our third-party risk management program, vendors go
through a risk assessment process prior to onboarding. Assessment
requirements are tailored to the type of services provided, geographic
location and overall level of risk the vendor presents to our organizationand our clients, and are designed to identify operational, technology,
financial, legal, privacy, corruption and compliance risks. We also conductongoing monitoring and periodic assessments of our vendors based onlevel of risk presented to us and our clients.
Our risk assessment program includes procedures to monitor andmitigate risks associated with vendor cyber and financial posture andgeopolitical events and conflicts. Our risk assessment program also
includes due diligence related to modern slavery and human trafficking.
If a concern regarding modern slavery practices is identified during theinitial risk assessment or through ongoing monitoring, associates are
required to promptly escalate the matter to management, their line ofbusiness risk officer, or the enterprise risk function. Any identified andvalidated issues may result in termination of the relationship.

Responsible Sourcing and
Vendor Management
We recognize that vendors play an important role in the
day-to-day operations of our business.
Our vendors provide a wide variety of products and services and often havelarge and diverse supply chains. Our third-party risk management program sets
forth the guiding principles, standards and associated governance structures
to identify, assess, monitor and mitigate risks associated with vendor
engagements. Our sourcing team and third-party risk management teamwork to ensure vendors are in compliance with our policies and principles andthat risk assessments of their policies and business practices are conducted.
Where issues are identified, we either select a different vendor or, if possible,
work to address the identified issue with the vendor.

08 Supporting dataand policies

Topics Reviewed by
the Third-Party Risk
Management TeamAnti-Corruption and foreign corrupt
practices policies
Business resiliency
Confidentiality and data protection
Conflict minerals usage
Financial stability
Human trafficking
Legal and complianceModern slavery

Where appropriate, we seek to require vendors to contractually agree tocomply with all laws relating to modern slavery, affirmatively agree not
to engage in modern slavery, and to conduct due diligence of their own
supply chain to ensure that their suppliers are not engaging in behavior
that would support modern slavery.

Privacy

We publish our U.K. and Australian Modern Slavery Statement on
our website.

Technology

Working With Vendors and Suppliers
In 2023, we enhanced our vendor assessment process
to include additional ESG related questions and, in 2024, we plan
to further integrate ESG and climate considerations. We are also
implementing a Third-Party Code of Conduct to set clear expectations
for ethical business practices and social and environmental awarenessby all vendors.

09 Appendix

Quality of services delivered
Reputation
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08 Supporting dataand policies

09 Appendix

Invest insustainablesystems
At Fiserv, it is important that
we operate with environmental
sustainability in mind.
We are committed to acting as responsible stewardsof our environment and operating our businesses in asustainable manner. We understand the importanceof protecting our environment and managing ourfootprint and the significance of climate change andits impact on our business and our communities.

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Environmental Footprint
In 2021, as part of our first post-merger Carbon Disclosure Project (CDP)
submission, we gathered 2019 and 2020 GHG emissions data. We havesubmitted our GHG data to CDP every year since and use 2019 data to assist
with baselining and trending. In 2019, our location-based scope 1 and scope 2
GHG emissions was 156,212 MT CO2e.12 Our scope 1 and scope 2 GHG
emissions in our most recent year was 133,999 MT CO2e – a 14% reduction
from the 2019 baseline.

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08 Supporting dataand policies

Scope
1&2

Scope 1 & 2

Scope 3

4.9%

79.1%

Data Centers

2.4%

Production Facilities

1,224,795
MTCO2ePurchased goods and services,
capital goods and upstream
transportation and distribution(categories 1, 2 and 4)

2.3%

5.8%

1.3%

3.1%

Employee commuting(category 7)

Offices

Other Facilities and Travel

Our scope 3 GHG emissions represent approximately 89% of our total GHG
emissions. Our vendors (categories 1, 2 and 4 of scope 3)13 are approximately
79% of our total GHG emissions and their efforts to reduce emissions will be
important to our overall emission reduction efforts. Other scope 3 categories
such as business travel (category 6) and employee commuting (category 7) areapproximately 7% of our GHG emissions.

Fuel and energy-related
activities (category 3)

0.9%

Business travel (category 6)<0.5%

Scope 3All Other

GHG Emissions
Trending

2019

2020

2021

2022

131,544
24,668

121,968
21,711

105,773
22,303116,363
17,636

180,000
160,000
140,000
120,000
100,000

Scope 180,00060,000

Scope 2
(location-based)

40,00020,0000

Our scope 1 emissions for 2019-2021 has been restated to include radiative forcing and a fuelbased approach for jet travel.

12 

13

These three categories of scope 3 account for 89% of reported scope 3 emissions.

14

 e anticipate accomplishing this through strategies and initiatives that may include siteW
strategy, green building design, energy efficiency, renewable energy purchases, renewableenergy credits, virtual power purchase agreements and similar.

09 Appendix

2022 Emissions by Category

Our operations consist of owned and leased facilities around the world andinclude data centers, office buildings, production facilities and warehouses. In
2022, our operations (scope 1 and scope 2) accounted for approximately 11% of
our GHG emissions. Data centers and office buildings accounted for 66% of ourscope 1 and scope 2 emissions. Our location-based scope 1 and scope 2
emissions were about 5% higher in 2022 than they were in 2021, primarily due
to our post-pandemic return to office strategy.

Given the progress we have made in our sustainability journey over the past few
years, we continue to look for ways to demonstrate our commitment to reducethe impact of our operations and value chain on our climate. While we continue
to consider a net-zero GHG goal, we are taking the interim step of implementing
a near-term goal of a 50% absolute reduction in scope 1 and scope 2 GHG
emissions by 2030, compared to our 2019 baseline.14 For scope 3 GHG
emissions, we have an interim target of having 25% of our vendor spend provide
actual GHG emissions data to us by 2030.

07 Invest in sustainablesystems

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Risk Example

Consideration

Physical
Risk

Acute andChronic Weather

 Increase in severity andfrequency of weather
events due to acute or
chronic weather patternchanges that impact ourown operations

 O
 ur ERM assessments, such as LBRAs,
consider unique risks to our sites including
climate-related risks. Risks are assessed
for likelihood and impact, and measured,monitored and managed in the same way asother site-specific risks

 Increase in severity andfrequency of weather
events due to acute or
chronic weather patternchanges that impact our
upstream or downstream
value chain

 O ur geopolitical and third-party risk
assessment includes procedures to monitor
and mitigate potential environmental risks,
which include those that may impact
vendors and third parties Enhanced climate-related
reporting requirements
resulting from a changing
regulatory landscape O ur government relations team monitors
legislative and regulatory proposals that
affect Fiserv and our industry. As regulations
are finalized, the team works with legal,
regulatory compliance, and other affected
teams to comply with applicable provisions

Changing
Regulatory
Landscape R egulation impacting our
products and services or
the way we deliver our
products and services

15

We continue to refine our understanding of climate-related risks to help informour broader ESG strategy and our ability to assess potential impacts.
Some examples of risk types and considerations are detailed in the table (right).

In the text that follows, Fiserv utilizes the TCFD categories of transition and physical climate risks.
Transition risks arise from actions associated with a transition to a low-carbon economy, such as
the introduction of new climate policies or low-carbon technologies, the filing of lawsuits against
entities perceived as contributing or having contributed to climate change, or changes in market
sentiments. Physical risks arise from the physical impacts of climate change; these can be chronic(such as changing weather patterns and rising mean temperature and sea levels) or acute (such as
extreme weather events like cyclones and floods).

15 

09 Appendix

Category

Climate-Related Risks

We consider risks independently and score them based on potential impact andtheir likelihood to occur. At the enterprise level, we take a global approach to
managing potential risks to business strategies (which can include physical andtransition climate-related impacts to our operations, employees and clients).
Regulatory, physical and other risks and opportunities, including those thatare climate-related, are assessed across the enterprise by line managers andleadership, using a combination of top-down and bottom-up approaches.

08 Supporting dataand policies

Risk TypeTransition
Risk

As a financial technology company, our global client baseand operations may mitigate some of the direct risks
associated with climate change on our business. However,
we recognize that the potential impacts of climate change
are evolving in ways that may present risks to our businessbeyond what we foresee at this time.

07 Invest in sustainablesystems

Transition
Risk

Market Risk

 Energy costs Raw material costs

 O ur real estate consolidation strategy andgreen building design principles incorporate
our energy footprint and efficiency as
considerations
 W
 e seek to optimize our processes to provide
products and services in the most efficientway. This includes assessing our operational
processes for opportunities to reduce inputs
and/or minimize waste outputs

Transition
Risk

Reputation Risk

 S hift in consumer
preferences Increased stakeholder
expectations or focus onsustainability

Transition
Risk

Technology

 S
 ubstitution of products
and services

 R eputational risks are assessed as part ofour stakeholder engagement processes andmanaged as part of our brand management
strategy. We consider stakeholder feedback
as we design our processes, products
and strategies
 O ur product design and development
processes seek to innovate and apply
technology to meet the changing businessneeds of our clients

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Climate-Related Initiatives and Opportunities

Our approach to sustainability considers how we can impact
our environmental footprint through facilities, operations, andproducts and services. Within each of these areas, we regularly
consider opportunities and their potential on sustainability.
Where appropriate and consistent with our strategy, we
implement changes.
Facilities
Our scope 1 and scope 2 GHG emissions are primarily attributable to our facilities.
Our primary facility categories are data centers, production facilities and offices.
To date, our real estate strategy has focused on improving energy efficiency andreducing our energy and emissions footprint by eliminating or consolidating data
centers and offices.

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08 Supporting dataand policies

09 Appendix

Data Centers and Cloud
Our operations involve a mix of Fiserv-owned
data centers, leased co-locations and public
cloud providers. Our data center strategy
includes consolidation to larger facilities andthe transition of targeted applications tothe cloud. Our data center strategy also
includes management of hardware and power
consumption. When needed, we replace
hardware, generators and other equipment as
part of asset life-cycle management. Newer
equipment, along with lighting and back-up
power and cooling, can be less energy
intensive compared to older equipment, which
can help increase capacity and enable us toconsolidate additional operations into existingdata centers.
As we consolidate and relocate data centers,
we also consider reuse of equipment, anduse third-party vendors to help us responsibly
recycle and dispose of equipment we areunable to reuse. In 2023, more than 70,000
assets avoided the landfill and over 500,000
pounds of materials were recycled, resold or
recovered through our third-party provider.16
Our ongoing capacity management practices
also seek to optimize utilization of ourhardware equipment and, through modern
technologies like virtualization, enable asmaller physical server footprint and lower
overall power consumption.

As part of our cloud strategy, use private
and public cloud environments. We
plan to continue to build cloud-native
platforms and assess our data centers forconsolidation opportunities. One benefitof these modern applications is dynamic
scalability, resulting in more intelligent
consumption of hardware resources as
capacity is right sized in real time.
As we transition from data centers tocloud environments, we plan to workwith cloud providers to better understandthe GHG impact of this transition andhow we can work together to improveoverall sustainability.

In EMEA, we engaged with avendor in 2022 to assess how
we could reduce energy costs
and increase the use ofrenewable. Through this vendor
engagement, we were able tomove our information
technology power at the vendor
to renewable power. Thesetypes of engagements help
provide a template for future
vendor engagements.

In addition to cloud environments andour own data centers, we use leased
co-locations. In 2023, we began to engage
with these providers to better understandtheir sustainability efforts. We plan to partnerwith our co-location providers to measure
impact and to ascertain how we can work
together to reduce GHG emissions.
We believe ongoing engagement with
our third-party providers will enhance
our ability to measure and manage GHG
emissions associated with our data centerand cloud operations.17

These numbers are based on data provided to us by oure-waste provider.
17 For scope 3 category 1, category 2 and category 4 wecurrently use spend-based emissions factors fromthe U.S. EPA’s Supply Chain GHG Emissions Factors
for U.S. Industries and Commodities (with margins),
Commodity Detail factors. Emissions factors areadjusted to be expressed in the reporting year dollars.
As part of our strategy, we are looking to move towards
a hybrid method of calculation.
16 

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09 Appendix

Notable Initiatives in 2023:
 4 LED and energy upgrade projects
 Energy audits at our 1 Broadway office Improvement to lease contracts tobetter improve sustainability on new orrenewing lease deals
 L
 EED Platinum designation for our
Berkeley Heights Innovation Center

Offices and Green Buildings

Renewable Energy Efficiency

Our real estate strategy includes developing state-of-the-art campus environments
in strategic locations. As part of our strategy, we prioritize the incorporation of green
building design principles and consideration of Leadership in Energy and Environmental
Design (LEED) certifications. In addition to LEED accreditation, we also assess our officelocations for Energy STAR status and energy-efficiency opportunities. We continuously
evaluate our site strategy and expect to continue doing so as part of our longer-termsustainability strategy.

We conduct our business at owned and leased facilities. As part of our real estate
strategy, we are assessing the ability to procure clean and renewable energy directlyfrom utility providers when available. Where direct procurement is not available, we
may consider renewable energy credits (RECs) or longer-term virtual power purchaseagreement (vPPA) as part of our strategy. By 2030, we aspire to obtain 100% clean
and/or renewable electricity products for all Fiserv-owned sites either through directpurchase from the grid or through RECs, vPPAs or other similar products.

As of 2023, we have over 500,000 square feet of LEED-certified office space. This
includes our 1 Broadway office in New York, which has been designated LEED Gold andour New Jersey technology campus, which has achieved LEED Platinum certification.
Over the coming year, we plan to apply for LEED certification for our new offices
in Columbus, OH and Milwaukee, WI. These two offices along with our recently
designated LEED Platinum office in Dublin, Ireland have the potential to add more than
250,000 square feet of LEED-certified office space to our portfolio. We are also working
with our landlord to pursue LEED for Existing Buildings: Operations and MaintenanceGold for our 1 Broadway office.

Environmental Management System in U.K.
Our Basildon office has implemented an Environmental Management
System registered to the ISO 14001 standard.

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01 Message from leadership

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

Operations
As part of our sustainable operations strategy, we are focused on operational efficiency, vendor engagements and associate
engagement. This includes identifying sustainability initiatives that can improve or assist with waste and recycling, energy
consumption and GHG emissions from our operations.

As part of our sustainability strategy, we assess opportunities toaddress operational sustainability. Our operations teams seek toimprove our processes, and the sustainability working group partners
with them as needed to help embed sustainability considerations into
our operations.
 R educing Plastic Use. In our output solutions facility in Nashville,
TN, our industrial engineers identified an opportunity to reduce
the amount of scrap being generated during card production and,through some innovative solutions, were able to create card-waste
savings that reduced close to 40,000 pounds of PVC scrap in 202318
 P
 aper Reduction in Action. In 2022, at our output solutions facility
in Omaha, NE, our industrial engineers were tasked with reducing
paper usage from our printers. They were able to redistribute thejobs to different printers according to the characteristics of themachines to maximize the efficiency and reduce the paper waste.
The efficiencies from this initiative have continued into 2023.
This new process reduces paper usage by an estimated 100 million
sheets of paper annually and reduces printer run time by 30%19
 P arts Salvage and Repair. As we decommission equipment in our
output solutions facilities, we look to find ways to reuse parts. In 2023,
we were able to recover parts from equipment at two of our facilities
to maintain and repair existing equipment. This process allows us toreduce scrap and extend the life of useful parts

 P
 OS and Hardware Repairs. Returned equipment from merchantssuch as terminals and pin-pads are triaged and repaired for use as
future refurbished equipment. Over the past year, we have been
expanding our capabilities to do more of this work in house. This
reduces the impact of shipping associated with out-to-vendor
repairs and can reduce time from return to deployment. When
refurbishment or resale is not practical, we use accredited
third-party vendors for disposal
 C lover Repair Kits. As part of our equipment return process at
our hardware services facility, our technical repair operations teamreviews and validates the functionality of cables, power packs andscreen drivers. If these parts pass the review, we reuse them as
starter kits for future refurbished equipment shipments. Not only
does this reduce the number of new kits we have to purchase forrefurbished deployments, but it also reduces potential scrap.
In 2023, we were able to create about 7,000 kits as part ofthis process Sustainability Tracking. As part of our focus on continuous
improvement, we actively seek opportunities to identify
sustainability initiatives and benefits in our operations. In 2023,
our technology team created a flag in our technology supportand request tool for teams to note if a technology request has apotential sustainability benefit. We plan to use the information tobetter understand these initiatives, assess potential benefits, track
initiatives and support them as needed
We believe a continued focus on initiatives such as these will continue
to help provide benefits to our operations and the environment.

This number is an estimate based on our own calculations. We calculated this number by taking the estimated number ofcards that we avoided scrapping based on our process improvements and multiplied by the weight of a PVC plastic card.
19
These are our own internal estimations based on assumptions made about the process improvements.
18

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Vendor Engagement

We recognize that vendors can play an important role in our
ongoing sustainability efforts.
As part of our ongoing initiatives, our strategic sourcing team has identified
potential ways for us to better capture potential sustainability items in oursystems as part of our procurement process.
In addition to implementing tracking mechanisms in our systems, we plan
to enhance our engagement with vendors to understand their ESG programs
and how we can we work together to improve data and metrics. We have also
initiated work on a Vendor Code of Conduct to enhance communication of our
ESG expectations with vendors.

08 Supporting dataand policies

09 Appendix

Our Fiserv hardware services
team uses overboxes for orders
shipped to merchants. We haveworked with vendors topurchase boxes made fromrecycled material and in 2023
we purchased more than
200,000 boxes made withrecycled materials.

Our objective is to improve the way we engage with vendors on sustainability
so that we can improve our ability to measure, report and reduce ourscope 3 emissions.20

Employee Travel and Commuting
Our scope 3 category 6 (business travel) and category 7 (employee commuting)emissions account for about 7% of our total annual GHG emissions. For
business travel, our travel booking tool alerts associates to the approximate
emissions associated with their travel. We believe this data can be used toeducate and encourage our associates to optimize their travel. For employee
commuting, we continue to refine our reporting and data processes to improve
our methodologies for 2024 and beyond.21

For scope 3 category 1, category 2 and category 4 we currently use spend-based emissions
factors from the U.S. EPA’s Supply Chain GHG Emissions Factors for U.S. Industries andCommodities (with margins), Commodity Detail factors. Emissions factors are adjusted to be
expressed in the reporting year dollars. As part of our strategy, we are looking to move towards a
hybrid method of calculation.
21
Our current methodology uses total FTE count and multiplies it by the emission factor identified
in the Quantis tool for employee commuting (which is identified at 1,700kg CO2e/year). Goingforward, we are seeking to look at data by location and potential commute type.
20 2023 Corporate Social Responsibility Report

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08 Supporting dataand policies

09 Appendix

Sustainability Ambassadors and Volunteering
Our associates play an important role in our sustainability journey and giving thema platform to be seen and heard remains a priority. Our associate interaction withrespect to environmental topics is led by our energy and sustainability team.
Our current programing is focused on educating associates on our sustainability
initiatives, including recycling and waste, real estate strategy, and GHG emissions
and energy data.
We introduced our Sustainability Ambassador program across 28 sites. Throughthe program, we educate these associates on our sustainability initiatives andgoals and discuss how they can support our sustainability missions. Our objective
is to enable these ambassadors to engage with our associates and promote oursustainability mission.
In addition to our Sustainability Ambassador program, we engage our associates
across the world and throughout the year on sustainability topics and initiatives.
Some of this year’s highlights include: E arth Day Volunteering. For Earth Day, associates in New York, New
Jersey, Florida, Nebraska and Texas participated in volunteer activities whileother associates convened virtually to celebrate. Associates came together
to support different causes in their locations and activities including seedplantings, park cleanups and more B each Cleanup and Upkeep. Fiserv APAC has adopted a beach in Mumbai
to support the Clean Shores initiative to enhance the shoreline through awaste management and citizen education program. Our associates haveparticipated in ongoing beach cleanups and, in 2023, associates volunteered
to help create a vibrant mural at a local beach P
 an India Bio-Diversity Drive. Our global services associates across India
came together to celebrate International Day for Biological Diversity. The
event involved beach cleanups, urban afforestation efforts, nest making,and an education session for volunteers Waterway Restoration. The global services team also partnered with thegovernment of Tamil Nadu, in Chennai, to adopt the Keezhkatalai Lake as partof a lake restoration project. This project is expected to take 24 months and will
provide critical habitat and serve as a flood barrier. The project involves lake
beautification, bird nesting islands, plantation of native plant species, and thecreation of a community engagement space for local citizens and associates

2023 Corporate Social Responsibility Report R ecycling at Home. Fiserv associates in LATAM are supporting a recycling
initiative across Colombia, Mexico and Panama. As part of the initiative,
associates bring items from their homes to authorized recycling centers andreceive various incentives

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08 Supporting dataand policies

09 Appendix

Waste and Recycling

We have numerous waste and recycling streams.
While we do not currently have detailed data on all our recycling and waste
streams, we are working to close the gaps and unify operational data with officedata. For the majority of our data centers and technology, we use an e-waste
vendor for the disposal of obsolete technology. Our production facilities use avariety of vendors based on the type of materials involved, and our facilities teammanages the waste disposal for our office environments.
Proper waste disposal, including recycling, is an important part of our corporate
citizenship, and we are focused on continual improvement. Our facilities teamengages with property managers and waste disposal companies to quantify ourwaste production and to reduce the waste footprint of our facilities and associates.
Additionally, to reduce waste, we: E ncourage less printing by reducing the number of printers and copiers inour offices
 W ork with a third-party vendor to shred and recycle our paper waste toprevent disposal in landfills
 P artner with third-party suppliers to recycle company-owned computerdevices and accessories
 E
 ngage with our employees on ways to reduce waste through our
Sustainability Ambassador program

In some instances, our vendors may be uniquely qualified to dispose of oldequipment and technology, and they may also have existing processes tosecurely and safely recycle, reuse or refurbish the hardware. We continue toseek ways to better track and measure the volume associated with waste andwaste diversion and are developing programs to assist with this initiative.
In 2023, our third-party document storage provider shredded and recycled
over 350 metric tonnes of paper we sent them.

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08 Supporting dataand policies

09 Appendix

Products and Services

CloverEnhanced Credit Card Offerings

The substitution of existing products and services
with more environmentally friendly options,and reduced demand for products and services
deemed to not be environmentally friendly, areaffecting businesses everywhere.

As part of our Clover product design process, we review packaging andmaterials use. For packaging, we look to use pulp-based packaging overfoams and molded foams where possible. As part of our design,
we began to use post-consumer recycled (PCR) plastic in some ofthe parts. The PCR we use is generally comprised of 65% recycledmaterials. Going forward, we will continue to assess ways to incorporate
recycled materials into our Clover products.

Consumers and card brands continue to look for alternative debit
and credit card solutions. Our output business partners withplastic procurement suppliers to provide clients with a range ofrecycled plastic offerings for card production. We currently support
three product offerings with all manufacturing completed in U.S.
plastic facilities.

The speed at which our industry is changing means we must be agile andquick. We are strategic with research and development that focuses on
in-house development, partnerships and acquisitions, and we continuously
seek to identify ways to innovate and apply technology to meet thebusiness needs of the clients we serve.
We continue to seek out ways to provide enhanced product offerings
that meet the growing and changing demands of our clients.

In 2023, we facilitated thedelivery of approximately 330
million e-bills.

Digitization of Previously Paper-Based Processes
We know that consumers continue to prioritize flexibility in how, when
and where they manage their billing and payments. For decades, wehave offered solutions that help shift away from paper-based processes
to digital solutions. From digital document storage and delivery toelectronic billing and payments, our solutions leverage omni-channeldelivery – including through financial institutions – to reduce paper
consumption and transportation by enabling end-users to receive, view
and pay their bills digitally. These products increase convenience, reduce
costs, enable digital, real-time payments, and as a result retain
customers. We continually seek opportunities to increase the digitizationof legacy solutions.

 R ecycled PVC. PVC plastic scrap material can be recovered
and used for new card production. The percentage of recycledmaterial varies per order, but it reduces the use of new PVC in
production and allows plastic that previously might have been
scrapped to be reused. Recycled PVC can also be used with anyof our standard chip options for contact and contactless cards
 R ecovered Ocean-Bound Plastics. Plastic waste can berecovered from land areas where it would otherwise be likely
to enter the ocean. The recovered material can be turned into
high-density polyethylene and used to construct the card core incertain cards. This process reduces both single-use plastic andthe amount of plastic entering the ocean
 U pcycled Post-Industrial Plastic. The card is made from reused
post-industrial plastic that might have otherwise entered alandfill as first-use plastic. These cards contain up to 98%
upcycled plastic content

2023 Corporate Social Responsibility Report

01 Message from leadership70

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

Data Tables

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

22

Description23

Unit

FY 2021

FY 2022

FY 2023

Total number of associates (approximate)24#

44,50041,50042,500Contingent workforce (approximate)25

#

4,500

3,350

3,000

% of associates outside of U.S.

%

39%

38%

37%

APAC

%

24%

23%

23%

EMEA

%

10%

10%

9%

LATAM

%

6%

5%

5%

% of associates that are full-time

%

99%

99%

99%

Revenue Distribution (Domestic)

%

86%

86%

85%

Female

%

40%

41%

40%

Male

%

60%

59%

60%

Female

%

45%

46%

44%

Male

%

55%

54%

56%

Asian or Pacific Islander

%

12%

14%

15%

Black or African American

%

13%

14%

14%

Hispanic/Latinx

%

6%

6%

7%

White

%

55%

50%

48%

Other or Two or more races

%

3%

3%

3%

Did not identify

%

11%

13%

14%

%

-

-

65%

About Fiserv

Supporting dataand policies

Empower People
The summary tables in this section provide certain metrics
and policies related to our CSR programing for the year
ending December 31, 2023.
Environmental data is subject to significant inherent
measurement uncertainty and is based on estimates andmanagement assumptions; actual results could differ. Reportingon environmental data, including the quantification of greenhousegas emissions, continues to evolve as data quantity and quality,
estimation methodologies, industry standards and measurement
tools improve. As a result, we have updated certain previously
disclosed metrics in the summary tables and may make further
updates in the future as we continue to refine our methodologies
to collect and report this data. While we use a third-party, to help
us calculate our GHG emissions, we have not received independent,
external assurance on the numbers reported.

Workforce Diversity
Gender in Global Workforce

Gender in U.S. Workforce

Ethnicities in U.S. Workforce

Total U.S. Workforce Diversity26

The data, statistics and metrics included in this report are nonaudited estimates and may be based on assumptions believed to be reasonable
at the time of preparation but may be subject to revision. This Report has not been externally assured or verified by an independent third party.
This report represents our current policy and intent and is not intended to create legal rights or obligations.
23 Some data points are new for this year and do not have historical data provided or were not data points we previously calculated. For thesedata points, columns for historical years may have “-“ provided. Some items may not add to 100% due to rounding.
24
Excludes Interns.
25
Contingent workforce defined as time and materials contractors.
26
Defined as female or male diverse in race or ethnicity.
22 

2023 Corporate Social Responsibility Report

01 Message from leadership71

02 About this Report

Description

03 About Fiserv

Unit

04 Empower people

FY 2021

FY 202205 Advance communities
and society

FY 2023

Age Distribution

07 Invest in sustainablesystems

Description
Did not identify

08 Supporting dataand policies

09 Appendix

Unit

FY 2021

FY 2022

FY 2023

%

16%

31%

19%

Interns

50+

%

-

-

29%

30-50

%

-

-

55%

U.S. Interns

#

250

182

242

Under 30

%

-

-

16%

Female (U.S.)

%

39%

30%

33%

Average Tenure

Years

-

-

7.9

Male (U.S.)

%

61%

70%

67%

Asian or Pacific Islander

%

18%

22%

26%

Leadership Diversity (VP+)

Ethnicities in Intern Program (U.S.)

Gender in Global Leadership
Female

%

27%

28%

29%

Black or African American

%

7%

4%

5%

Male

%

73%

72%

71%

Hispanic/Latinx

%

4%

3%

6%

White

%

44%

31%

36%

Gender in U.S. Leadership
Female

%

28%

30%

30%

Other or Two or more races

%

2%

3%

3%

Male

%

72%

70%

70%

Did not identify

%

25%

37%

24%

%

-

90%

92%

8

8

Ethnicities in U.S. Leadership

Employee Engagement

Asian or Pacific Islander

%

9%

10%

12%

Black or African American

%

4%

4%

4%

Participation (Response Rate)

Hispanic/Latinx

%

3%

2%

3%

Employee Resource Groups (ERGs)

White

%

72%

71%

70%

ERGs

#

Other or Two or more races

%

3%

3%

2%

Global chapters (approximate)

#

-

100

110

Did not identify

%

10%

10%

9%

Countries

#

-

17

14

%

-

44%

46%

Members (approximate)

#

-

6,500

8,000

Members (as % of global workforce)

%

-

16%

19%

%

-

45%

46%

Total voluntary attrition

%

19%

21%

13%

Total U.S. Leadership Diversity27
Internship and Analyst Diversity
Analysts

Engagement Survey

8

Talent, Retention and Recruitment

U.S. Analysts

#

275

202

259

Female (U.S.)

%

37%

32%

34%

Male (U.S.)

%

63%

68%

66%

Ethnicities in Analyst Program (U.S.)

27

06 Champion responsible
business practices

Performance and Career Management
Exempt open roles filled through internal moves
Voluntary Attrition

Asian or Pacific Islander

%

16%

21%

20%

Voluntary attrition in leadership (VP+)

%

10%

10%

6%

Black or African American

%

11%

3%

4%

Voluntary attrition (salary)

%

17%

19%

10%

Hispanic/Latinx

%

6%

6%

7%

Voluntary attrition (hourly)

%

28%

33%

24%

White

%

46%

37%

45%

Other or Two or more races

%

5%

2%

5%

%

-

17%

21%

Recruitment
U.S. Associate referral new hires(% of external hires)

2023 Corporate Social Responsibility Report

01 Message from leadership

Defined as female or male diverse in race or ethnicity.

72

01 Message from leadership

02 About this Report

Description

03 About Fiserv

Unit

04 Empower people

FY 2021

FY 202205 Advance communities
and society

06 Champion responsible
business practices

FY 2023

Description

Advance Communities and Society

Invest in Sustainable Systems34

Philanthropy and Community Engagement

Facilities

Total community investment (approximate)$->$10 million>$10 million

Associate giving (approximate)28$-$700,000$700,000

hours

-

8,000

19,000

Associate volunteering (approximate)07 Invest in sustainablesystems

Total Facilities (owned and leased)35

08 Supporting dataand policies

Unit

FY 2019#

09 Appendix

FY 2020

FY 2021

FY 2022

-

181

178

160

MTCO2e24,66821,711

22,303

17,636

Scope emissions36,37
Gross Scope 1 GHG emissions
Scope 2 emissions

Back2Business
#

1,321

144

193

Gross location-based Scope 2 emissions

MTCO2e131,544

121,968

105,773

116,363

U.S.

#

1,150

138

188

Gross market-based Scope 2 emissions

MTCO2e132,368

122,670

108,970

120,793

U.K.

#

171

6

5

MTCO2e156,212

143,679

128,076

133,999

Total given (approximate)$

13,210,000

1,440,000

1,915,000

Pop-ups

#

-

51

192

Small business spend (% of supplier spend)30(approximate)

%

-

-

2.4%

APAC

%

-

-

-

5%

EMEA

%

-

-

-

1%

Diverse business spend (% of supplier spend) 31(approximate)

%

-

-

3.2%

LATAM

%

-

-

-

1%

North America39

%

-

-

-

92%

Small, diverse business spend (% of supplierspend) (approximate)%

Grants and Non-Grants29

Total Scope 1 and Scope 2(location-based) emissions38
Scope 1 and scope 2 (location-based)emissions by region

Supplier and Business Diversity (Tier 1)

-

-

0.6%

Scope 1 and Scope 2 (location-based)emissions by facility type40

Champion Responsible Business Practices

Data Center

%

-

-

-

45%

Board of Directors

Office

%

-

-

-

21%

Total Directors

#

9

8

10

Production Facility

%

-

-

-

22%

Female

%

33%

25%

30%

Warehouse/Other

%

-

-

-

5%

Male

%

67%

75%

70%

Diverse in race or ethnicity

%

33%

38%

40%

Total Diversity (female or malediverse in race or ethnicity)

%

55.5%

50%

60%

$120,000$84,000

32

Lobbying and Political Engagement
Spend33$2023 data will be published along with our CDP submission around July/August 2024.
As of end of year 2023, we have 135 owned and leased facilities.
36 
Scope 1 emissions values for 2022 represent approximately 94% of our square footage as scope 1 emissions were not estimated where
not available.
37
Our scope 1 emissions for years 2019 – 2021 has been restated to include radiative forcing and using fuel based approach for jet travel.
38
All scopes of emissions are calculated in alignment with the GHG protocol.
39
North America numbers includes scope 1 related travel.
40
Percentages do not add to 100% because travel has been excluded from facility type.

28

34

29

35

Includes Fiserv corporate matching.
In 2020, there were approximately 142 grants and non-grants awarded (accounting for approximately $1,420,000).
30
Defined as small, non-diverse or non-diverse certified.
31
Defined as certified diverse businesses not classified as small.
32 
Because board members may join throughout the year, the numbers and percentages for board diversity presented here have been simplified
to reflect the board diversity matrix numbers reported in our Proxy (e.g. the 2023 board diversity numbers are those reported in our 2023
Proxy director nominee information filed in April 2024).
33
The spend numbers provided are from our Fiserv, Inc. Political Contributions and Expenditures Report published on our website.

2023 Corporate Social Responsibility Report

Ethnicity73

02 About this Report

Description

03 About Fiserv

Unit

FY 201904 Empower people

FY 202005 Advance communities
and society

FY 2021

FY 2022964,113

1,090,796

Scope 3 emissions

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

Key Policies
PolicyBrief Description

307,706

Anti-Bribery andAnti-Corruption Policy

Our Global Anti-Bribery and Anti-Corruption policy defines bribery andcorruption and provides guidance for compliance with anti-corruption laws
and guidance for reporting any suspected violations.

476,209549,800

Anti-Harassment Policy

27,761

25,151

37,526--80,412

111,709

Fiserv is committed to providing a work environment free of workplaceharassment and unlawful retaliation. Fiserv also strives to provide and foster
a workplace atmosphere where all associates are treated with respect anddignity. Fiserv strictly prohibits any person, including employees, contractors,
applicants, management and members of the public, from engaging inworkplace harassment and/or unlawful retaliation.

MTCO2e

-

-

716

518

Anti-Money Laundering and Counter
Terrorist Financing (AML/CTF) Policy

Business travel (category 6)

MTCO2e70,061

13,866

13,977

10,659

Employee commuting (category 7)

MTCO2e74,80074,80075,85670,474We are firmly committed to compliance with applicable laws and regulations
relating to combating money laundering and terrorist financing activities. The
Global AML/CTF policy is meant to prevent Fiserv from being used to laundermoney or finance terrorism and to comply with applicable AML/CTF rules andregulations.

Downstream leased assets(category 13)

MTCO2e

7,579

7,067

3,585

2,406

Antitrust and Competition Policy

Total Scope 1, Scope 2 (location-based)
and Scope 3 GHG emissions

MTCO2e--1,092,189

1,224,795

Our Global Antitrust and Competition Policy is designed to foster and support
the distribution of Fiserv products and services in a manner that complies
with applicable antitrust and competition laws and regulations; to establish
standards, practices, procedures and controls to meet regulatory guidance
and industry standards on antitrust and competition compliance; and toprovide a framework for mitigating regulatory risks and liabilities.

Energy consumption

MWh350,736

319,953

305,381

329,426

Code of Conduct and Business Ethics

Electricity

MWh291,883

270,978

252,043

283,317Natural Gas

MWh43,71536,394

31,38727,361

Our Code of Conduct and Business Ethics serves as the foundation for ethicalbehavior across our company and governs associates, representatives andaffiliates of Fiserv. It explains how we, through our actions, personify theFiserv Values and interact with our clients, business partners, each other andthe communities in which we operate. The Code can be found here.

Diesel, gasoline, fuel, LPG42

MWh12,826

10,06021,951

18,749

Steam

MWh

2,312

2,521

-

-

Cybersecurity and Technology
Management Policy

Renewable energy consumption

MWh

385

541

In accordance with our Enterprise Risk Management policy and industry
standards, the Global Cybersecurity and Technology Management policy
establishes enterprise wide expectations for:Gross Scope 3 GHG emissions41

MTCO2ePurchased goods and services(Category 1)

MTCO2e--288,207

Capital goods (Category 2)

MTCO2e--Fuel and energy-related activities(Category 3)

MTCO2e30,242

Upstream transportation anddistribution (Category 4)

MTCO2eWaste generated in operations(category 5)

Energy Management

LEED-Certified buildings

#

165

0
143

 Building, protecting, operating and governing our technology
 D elivering administrative and technical safeguards to protect us andour client’s information
 M anaging Cybersecurity and Technology Risk in accordance with ourrisk philosophy, risk appetite and Cybersecurity and Technology Risk
Management framework
 Defining, executing and governing strategies to reduce Cybersecurity
and Technology Risk
Fostering a strong Cybersecurity and Technology Risk management culture.

With our third-party vendor, we review and calculate additional categories of scope 3. At this time, we are assessing our scope 3 material
categories and are providing reporting on the categories listed. While we continue to calculate relevant scope 3 categories, we may assess ourreporting based on materiality and other factors in the future.
42
From 2021 forward, we include mobile combustion MWh in this category.
43
We now have 3 LEED Certified buildings. Our Berkeley Heights Innovation Center received LEED Platinum certification in 2023 and ourcollaboration center in Dublin, Ireland received LEED Platinum certification in 2024.
41 

2023 Corporate Social Responsibility Report

01 Message from leadership74

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

PolicyBrief Description

Environmental Policy

We are committed to acting as responsible stewards of our environmentand operating our businesses in a sustainable manner. We understand theimportance of protecting our environment and, in particular, the significanceof climate change and its impact on our businesses and our communities.
Our Environmental policy lays out our expectations of our Fiserv associates.
Our Environmental policy can be found here.

Fiserv Political Contributions andExpenditures Policy

The Fiserv Political Contributions and Expenditures Policy defines theframework for company political contributions, the political action committeeof Fiserv, Inc. and our industry initiatives and advocacy, including key roles
and responsibilities, oversight and governance. Our Political Contributions
and Expenditures policy can be found here.

Privacy Policy

The Global Privacy policy is based on global principles of privacy laws andawareness that protection of personal data is the foundation of both soundbusiness relationships and the reputation of Fiserv. The Policy establishes
the basis of the Global Privacy program, which is designed to provide
management and oversight of the processing of personal data.

Privacy Notice

The Fiserv Privacy Notice describes our privacy practices and the rights andchoices available to individuals, regarding personal data. Personal data means
any information that relates to an identifiable individual. Our Privacy Notice
can be found here.

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

2023 Corporate Social Responsibility Report

01 Message from leadership75

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

SDG

Appendix

Quality Education
Ensure inclusive andequitable quality
education and promote
lifelong learning
opportunities for all

We used the Global Reporting Initiative (GRI), the Sustainability
Accounting Standards Board (SASB)’s Software and IT Services
Standard and the Task Force for Climate-Related Disclosures (TCFD)
to help guide and inform the development of this Report. We havemapped to relevant disclosures to assist stakeholders, but someindicators may be partially disclosed.

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

Relevant SDG Sub-Goals

Our Actions

4.3 By 2030, ensure equal accessfor all women and men to affordable
and quality technical, vocational
and tertiary education, including
university

Fiserv recognizes the importance of educationand training on people’s lives. We seek to expand
access to education and educational opportunities
in the communities where we live and work.

4.4 By 2030, substantially increase
the number of youth and adults
who have relevant skills, including
technical and vocational skills for
employment, decent jobs andentrepreneurship
4.5 By 2030, eliminate genderdisparities in education and ensure
equal access to all levels of
education and vocational training forthe vulnerable, including persons
with disabilities, indigenous peoples
and children in vulnerable situations

 Through our FIN Future Techies program, weare providing students in grades 5–8 with a
12-week informative, hands-on sessions about
technology and STEAM concepts
 Our partnerships with universities like Rutgers
University-Newark, Syracuse University,
University of Nebraska and University ofGeorgia supports small and diverse businesses
through programs and curriculum designed tosupport acceleration and growth In the United Kingdom, we partner with an
upper school to raise awareness with students
from lower socio-economic backgrounds
about the fintech industry and the career paths
available within companies like Fiserv In Chennai, we are supporting skill building
and empowerment of persons with disabilities.
In partnership with an NGO, over 100 people
underwent a three-month skill building
program with targeted job placement support

United Nations Sustainable Development Goals
The Sustainable Development Goals (SDGs) are a group ofinterlinked goals that were adopted in 2015 by the United Nations(UN). The focus of these goals is to use sustainable economicand environmental practices to create a more just world by 2030.
To achieve the goals set out by the UN, there needs to be a joint
effort among businesses, society and government.

 In Singapore, our associates participated in the
Singapore Work Exposure Program to provide
secondary school students with an opportunity
to explore and experience life in the workforce
and understand the different roles available
across the organization and the skills andcompetencies required to be successful

Fiserv supports the SDGs and acknowledges the importance of thegoals associated with them. In this Report, we have linked several of
the SDGs to which we believe our work and actions most contribute:

5.1 End all forms of discrimination
against all women and girls
everywhere

Gender Equality

Achieve genderequality and empower
all women and girls

5.5 Ensure women’s full and effective
participation and equal opportunities
for leadership at all levels of decisionmaking in political, economic andpublic life

We are committed to empowering women bothwithin and outside Fiserv.
 Our Leading Women program is designed
to accelerate the career advancement of top
female talent at the director and vice president
level through action learning and skills training.
This program enables participants to shareknowledge, learn best practices, network andgain valuable exposure across the enterprise

2023 Corporate Social Responsibility Report

01 Message from leadership

76

SDG

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

Relevant SDG Sub-Goals

Our Actions

5.a Undertake reforms to give
women equal rights to economic
resources, as well as access toownership and control over land andother forms of property, financial
services, inheritance and natural
resources, in accordance withnational laws

 Through our sponsorship of the Girl Scout
Cookie Business badges we continue to boost
financial inclusion and entrepreneurship foryoung women. The Cookie Business badges
help girls think like entrepreneurs as they run
their own cookie businesses and incorporate
online sales and the Digital Cookie® platform

5.b Enhance the use of enabling
technology, in particular informationand communications technology, topromote the empowermentof women
5.c Adopt and strengthen soundpolicies and enforceable legislation
for the promotion of genderequality and the empowerment of
all women and girls at all levels

06 Champion responsible
business practices

SDG

 Our board of directors expects that it willconsist of directors who are best-in-classand include individuals of diverse gender,
sexual orientation, race, ethnicity, nationality,
cultural background and age, and our board iscommitted to actively seeking qualified female
and racially/ethnically diverse candidates toenhance the diversity of the board

8.3 Promote development-oriented
policies that support productive
activities, decent job creation,
Promote sustained,
entrepreneurship, creativity andinclusive andinnovation, and encourage thesustainable economic
formalization and growth ofgrowth, full andmicro-, small- and medium-sized
productive employment enterprises, including through accessand decent work for all to financial services
Decent Work andEconomic Growth

8.5 By 2030, achieve full andproductive employment and decent
work for all women and men,
including for young people andpersons with disabilities, and equalpay for work of equal value

8.7 Take immediate and effective
measures to eradicate forcedlabor, end modern slavery andhuman trafficking and secure
the prohibition and eliminationof the worst forms of child labor,
including recruitment and use ofchild soldiers, and by 2025 end childlabor in all its forms

 In India, our global services team has
partnered with the Directorate of Indian Army
Veterans to offer entrepreneurship support toretiring soldiers. The program focuses on skills
and business orientation and has supported
over 500 veterans across India since its pilot
in 2022
 We seek to hire and retain candidates
who fit the needs of our company andwant to grow their careers with us. Our
recruiting and talent sourcing teams workwith talent sourcing partners – ranging
from colleges and universities to national
professional networking organizations, military
installations, community resource providers
and internal resources – to recruit our diverse
and talented workforce
 We are committed to ensuring supplier
diversity is integrated in strategic sourcing
processes to increase opportunities for small
or diverse suppliers. In 2023, we saw anincrease in Tier 1 diverse supplier spend by
more than $50 million compared to 2022

We are committed to promoting sustainable andinclusive economic growth through our products,
services and internal actions.

 Our Back2Business program supports small,diverse-owned businesses through grants andpop-ups. To date, we have provided 1,800
grants totaling nearly $18,000,000 to minority-,
women-, veteran-, LGBTQ+-, disability- andethnically diverse-owned businesses acrossthe U.S. and U.K.

09 Appendix

Our Actions

 We are proud to sponsor CodeCrush – athree-day immersive experience designed
to close the gender gap in IT and computersciences – in Omaha Clover Capital provides both Clover and nonClover merchants with access to working
capital based on their future credit card sales.
Since inception, we have helped facilitate
approximately $1 billion in working capital
to merchants

08 Supporting dataand policies

Relevant SDG Sub-Goals

8.10 Strengthen the capacity ofdomestic financial institutions toencourage and expand access tobanking, insurance and financial
services for all In India, we partnered with an NGO to support
financial literacy among young women. Nearly
200 girls from economically disadvantaged
backgrounds were selected to participate in aself-paced online course on financial literacy
and 50 girls received a scholarship to pursue
higher education in STEM fields
8.2 Achieve higher levels of
economic productivity throughdiversification, technologicalupgrading and innovation, including
through a focus on high-value added
and labor-intensive sectors

07 Invest in sustainablesystems

Industry, Innovation
and Infrastructure

Build resilient
infrastructure,promote inclusive
and sustainableindustrialization andfoster innovation

9.1 Develop quality, reliable,
sustainable and resilient
infrastructure, including regional
and trans-boarder infrastructure, tosupport economic development andhuman well-being, with a focus onaffordable and equitable access for all

We seek to develop products and services that
support inclusion and help institutions deliver
services to the communities and people
around them.

 We support the economic inclusion of
mission-driven financial institutions. As partof our engagement process, we launched
9.3 Increase the access of smallthe Fiserv MDI Advisory Council. Comprised
scale industrial and other enterprises,of executives and senior leaders from MDIs,
in particular in developing countries,
the Fiserv MDI Advisory Council provides ato financial services, including
platform to expand on our prior engagements,
affordable credit, and their integration
receive direct feedback, explore and discuss
into value chains and markets
industry developments, exchange ideas,
provide input on technology developments,
and collaborate on the overall support ofmission driven financial institutions

2023 Corporate Social Responsibility Report

01 Message from leadership

77

SDG

02 About this Report

03 About Fiserv

Relevant SDG Sub-Goals

04 Empower people

05 Advance communities
and society

Our Actions
 Our PolCard® Pay app helps consumers
in Poland better manage their financesby streamlining the process for depositing
cash into consumer bank accounts through
PolCard terminals from Fiserv. With the
PolCard Pay app, consumers no longer haveto look for cash deposit machines or branchesof their bank and instead can deposit cash into
their account for free while doing their daily
shopping. Consumers can even register andinput the information necessary to make adeposit on their phone before arriving at
the store

10.2 By 2030, empower and promote
the social, economic and politicalinclusion of all, irrespective of age,sex, disability, race, ethnicity, origin,religion or economic or other status
Reduce Inequalities

Reduce inequality
within and among
countries
12.6 Encourage companies,
especially large and transnational
companies, to adopt sustainable
practices and to integratesustainability information into theirreporting cycle
Responsible
Consumption and
Production

Promoting sustainableconsumption andproduction patterns

Our ERGs are a model of inclusive leadership andconscious inclusion. They give our associates aplatform for connection and career andprofessional development.

06 Champion responsible
business practices

SDG

Climate Action

Take urgent action tocombat climate change
and its impacts

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

Relevant SDG Sub-Goals

Our Actions

13.1 Strengthen resilience andadaptive capacity to climate-related
hazards and natural disasters inall countries

Given the progress we have made in oursustainability journey over the past few years, we
continue to look for ways to show our commitment
to reduce the climate impact of our operations andvalue chain.

13.2 Integrate climate change
measures into national policies,
strategies and planning
13.3 Improve education,awareness-raising and human andinstitutional capacity on climatechange mitigation, adaptation,
impact reduction and early warning We are taking the interim step of having a nearterm goal of a 50% reduction in scope 1 andscope 2 GHG emissions by 2030, compared toour 2019 baseline
 By 2030, we aspire to purchase 100% clean
and/or renewable electricity products for
all Fiserv-owned sites either through directpurchase from the grid or through otheravailable options

 Our Thrive Disability Associate Council plays an
integral role in improving disability awarenessand inclusion, driving our internal and external
accessibility initiatives forward through reviewsof items like our policies, procedures andservice agreements
We are committed to acting as responsible
stewards of our environment and operating ourbusinesses in a sustainable manner, because
we understand the importance of protecting ourenvironment and managing our footprint and thesignificance of climate change and its impact on ourbusiness and our communities.
 Our Output Solutions business partners withplastic procurement suppliers to provide clientswith a range of recycled plastic offerings forcard production. We currently support three
product offerings with all manufacturing
completed in U.S. plastic facilities As part of our Clover product design process,we review packaging and materials. We lookto use pulp-based packaging over foams andmolded foams where possible and we arealso beginning to use post-consumer recycledplastic as part of our design2023 Corporate Social Responsibility Report

01 Message from leadership78

01 Message from leadership

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

SASB Table: Software and IT Solutions

Environmental
Footprint ofHardware andInfrastructure

Data
Privacy andFreedom ofExpression

Accounting Metric

Category

Unit ofMeasureDisclosure

SASB Code(1) Total energy consumed(2) Percentage grid electricity(3) Percentage renewable

Quantitative

Megawatthour(MWh)
Percentage(%)

Data Tables:
Page 74

TC-SI-130a.1

Thousandcubic meters(m3)
Percentage(%)

We do notcurrently have thisdata for reporting

TC-SI-130a.2

N/A

Data Centers andCloud: Page 64

TC-SI-130a.3(1) Total water withdrawn(2) Total water consumed,
percentage of each inregions with high orextremely high baselinewater stress

Quantitative

Discussion of the integrationof environmental
considerations into
strategic planning for data
center needs

Discussion
and Analysis

Description of policies
and practices relating tobehavioral advertising anduser privacy

Discussion
and Analysis

N/A

Number of users whose
information is used forsecondary purposes

Quantitative

NumberTotal amount of monetarylosses as a result of legal
proceedings associated withuser privacy

Quantitative(1) Number of law
enforcement requests foruser information(2) Number of users
whose information was
requested(3) Percentage resulting in
disclosure

Quantitative

List of countries where
core products or services
are subject to government
required monitoring, blocking,content filtering or censoring

Discussion
and Analysis

Accounting Metric

Category

Unit ofMeasureDisclosure

SASB Code(1) Number of data breaches

Quantitative

NumberAny material
proceedings
would bedisclosed in
our filings with
the SEC.

TC-SI-230a.1(2) Percentage involving
personally identifiable
information (PII)

Data Privacy:
Pages 53–54
Key Policies:
Page 75

TC-SI-220a.1

Fiserv does notdisclose thisinformation.
Our approach canbe found in our
Privacy Notice
here

TC-SI-220a.2

Any material
proceedings
would bedisclosed in ourannual filings with
the SEC.

TC-SI-220a.3

Number
Percentage(%)

Fiserv does notdisclose thisinformation.

TC-SI-220a.4

N/A

None

TC-SI-220a.5

ReportingCurrency

Topic

Data
Security

Percentage (%)(3) Number of users affected
Description of approach toidentifying and addressing
data security, including useof third-party cybersecurity
standards

Discussion
and Analysis

N/A

Cybersecurity:
Pages 51–52

TC-SI-230a.2

Percentage of employeesthat are (1) foreign nationals
and (2) located offshore

Quantitative

Percentage (%)

Data Tables:
Page 71

TC-SI-330a.1

Employee engagement as apercentage

Quantitative

Percentage (%)

Engagement
Surveys: Page 17

TC-SI-330a.2

Percentage of gender andracial/ethnic grouprepresentation for(1) management, (2) technicalstaff, and (3) all other
employees

Quantitative

Percentage (%)

Data Tables:
Pages 71–72

TC-SI-330a.3

Intellectual
Property
Protection
andCompetitive
Behavior

Total amount of monetarylosses as a result of legal
proceedings associated with
anti-competitive behavior
regulations

Quantitative

ReportingCurrency

Any material
proceedings
would bedisclosed in ourannual filings with
the SEC

TC-SI-520a.1

Managing
Systemic
Risks fromTechnology
Disruptions

Number of (1) performanceissues, (2) service disruptionsand (3) total customer
downtimes

Quantitative

Number,Fiserv does notdisclose thisinformation

TC-SI-550a.1

Description of business
continuity risk related todisruptions of operations

Discussion
and Analysis

Risk Management:
Page 50

TC-SI-550a.2

Recruiting
andManaginga Global,Diverse andSkilledWorkforce

We also publish
our EEO-1 on
our website

Days

N/A

2023 Corporate Social Responsibility Report

Topic

79

02 About this Report

Activity Metric(1) Number of licenses or subscriptions,(2) Percentage cloud-based(1) Data processing capacity, (2) percentage
outsourced(1) Amount of data storage, (2) percentage
outsourced

Category
Quantitative

Quantitative

Quantitative

03 About Fiserv

04 Empower people

05 Advance communities
and society

Unit ofMeasureDisclosure

SASB Code

Number,
Percentage(%)

Fiserv does notdisclose thisinformation

TC-SI-000.A

Entityspecific

Fiserv does notdisclose thisinformation

TC-SI-000.B

Petabytes,
Percentage(%)

Fiserv does notdisclose thisinformation

TC-SI-000.C

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

GRI Index
Statement of Use

Fiserv has reported the information cited in this GRI content index for the period
January 1, 2023 to December 31, 2023, with reference to the GRI Standards.

GRI 1 Used

GRI 1: Foundation 2021

GRI Standard

Disclosure

Location/Reference

GRI 2: General
Disclosures 2021

2-1 Organizational details

Fiserv, Inc. (NYSE: FI) is a publicly traded company
headquartered in Milwaukee, WI. We serve our
global client base by working among our geographic
teams across various regions, including in the
United States and Canada; Europe, Middle East
and Africa; Latin America and Asia Pacific. Moreinformation can be found in the “About Fiserv”
section of this Report and in our Annual Report and
10-K filings.

2-2 Entities included in theorganization’s sustainability reporting

Reporting Boundaries and Forward-Looking
Statements: Page 6

2-3 Reporting period, frequency andcontact point CSR reporting period: January 1, 2023 –December 31, 2023 unless otherwise noted.
As indicated within the Report, certain data andinformation related to our CSR priorities may
include programs and activities that are currently
underway or that were introduced in 2024
 Reporting cycle: Annual
 Publication date: April 2024
 Contact point for questions:
CSR.Inquiry@fiserv.com

2-4 Restatements of information

In working with our external consultants, we haverestated Scope 1 emissions for years 2019 – 2021
to include radiative forcing and the use of fuel-based
approach for jet travel

2-5 External assuranceThis report has not been externally assured

2-6 Activities, value chain and otherbusiness relationships

Fiserv is a leading global provider of payments andfinancial services technology solutions
About Fiserv: Pages 7 – 8; Community Engagement
and Investment: Pages 35 – 38; Responsible
Sourcing and Vendor Management: Page 60
See also our 2023 10-K

2-7 Employees

Empower People: Page 16; Data Tables: Pages 71 – 72

2-8 Workers who are not employees

Empower People: Page 16; Data Tables: Pages 71 – 72

2-9 Governance structure andcomposition

Champion Responsible Business Practices:
Pages 44 – 48
See also our 2023 Proxy Statement

2023 Corporate Social Responsibility Report

01 Message from leadership80

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

GRI Standard

Disclosure

Location/Reference

GRI Standard

Disclosure

Location/Reference

GRI 2: General
Disclosures 2021
(Continue)

2-10 Nomination and selection of thehighest governance body2023 Proxy Statement

GRI 2: General
Disclosures 2021
(Continue)

2-27 Compliance with laws andregulations

2023 10-K

2-28 Membership associations

Fiserv maintains memberships in organizations
such as:See also our Governance Guidelines published on
our website

2-11 Chair of the highest governancebody2023 Proxy Statement

2-12 Role of the highest governancebody in overseeing the managementof impacts

Governance at Fiserv: Page 47; Shareholder
Engagement: Page 46

Chief Executives for Corporate Purpose®

See also our Governance Guidelines published on
our website and our 2023 Proxy Statement

The Executive Leadership Council

Business Roundtable
Boston College Center for Corporate Citizenship2-13 Delegation of responsibility for
managing impacts

Governance at Fiserv: Pages 45 – 48

2-29 Approach to stakeholder
engagement

About this Report: Page 5

2-14 Role of the highest governancebody in sustainability reporting

Governance at Fiserv: Page 47

2-30 Collective bargaining agreements

2-15 Conflicts of interest

2023 Proxy Statement

We do not have collective bargaining agreements in
our U.S. operations but do have agreements in
our regions

3-1 Process to determine material
topicsAbout this Report: Page 5

3-2 List of material topics

This report and GRI content index contain the topics
relevant to our CSR program

3-3 Management of material topics

About this Report: Page 5

See also our Governance Guidelines publishedon our website
2-16 Communication of critical concerns

Governance at Fiserv: Page 47

2-17 Collective knowledge of thehighest governance body2023 Proxy Statement

2-18 Evaluation of the performance of thehighest governance bodySee our Governance Guidelines publishedon our website

2-19 Remuneration policies

2023 Proxy Statement

2-20 Process to determine
remuneration

2023 Proxy Statement

2-21 Annual total compensation ratio

2023 Proxy Statement

2-22 Statement on sustainable
development strategy

Message from Leadership: Pages 2 – 3

2-23 Policy commitments

Ethics and Compliance: Pages 55 – 58; Key Policies:
Pages 74 – 75

2-24 Embedding policy commitments

Ethics and Compliance: Pages 55 – 58

2-25 Processes to remediate negative
impacts

Ethics and Compliance: Pages 55 – 58

2-26 Mechanisms for seeking advice
and raising concerns

Fiserv Code of Conduct and Business Ethics

See also our Governance Guidelines publishedon our website

Both associates and external parties can reportconcerns anonymously through our 24-hour
Alertline, which is a global comprehensive andconfidential reporting tool administered througha third-party, by which matters of concern can bereported anonymously or through self-identification
or by accessing Ethicspoint. In addition, associates
can contact our Ethics Office through an external
web link, internal link on our intranet site, a 24-hourphone line or by talking directly with a manager or
HR business partner.

GRI 3: Material
Topics 2021

Our current ESG materiality assessment wascompleted in 2021 and more information about thismateriality assessment can be found in our 2021
CSR Report.

Shareholder Engagement: Page 46
Key Policies: Pages 74–75

2023 Corporate Social Responsibility Report

01 Message from leadership81

01 Message from leadership

03 About Fiserv

Disclosure

04 Empower people

05 Advance communities
and society

Location/Reference

06 Champion responsible
business practices

GRI Standard

07 Invest in sustainablesystems

Disclosure

GRI 200: Economic Topics

GRI 207: Tax (2019)

GRI 201: Economic Performance (2016)

GRI 103: Management Approach (2016)

GRI 103: Management Approach (2016)

103-1/103-2/103-3

103-1/103-2/103-3
201-1

Direct economic value generated and distributed

Taxes: Page 59

About Fiserv: Pages 7 – 8; Community
Engagement and Investment: Page 35
See also our 2023 10-K

207-2

Tax governance, control, and risk management

2023 10-K
We also publish our U.K. Tax Strategy on
our website

207-3

Stakeholder engagement and management ofconcerns related to tax

Taxes: Page 59

GRI Standard

Disclosure

Location/Reference

Advance Communities and Society: Page 29
Significant indirect economic impacts

Inclusive Products and Services:
Pages 30 – 34
Community Engagement and Investment:
Pages 35 – 38

103-1/103-2/103-3

103-1/103-2/103-3
Business Diversity: Page 42

Proportion of spending on local suppliers

We do not disclose the exact percentage
spent on local suppliers

GRI 103: Management Approach (2016)
Fiserv Code of Conduct and Business Ethics
Operations assessed for risks related tocorruption

Anti-Bribery and Corruption: Page 57

205-2

Communication and training aboutanti-corruption policies and procedures

Learning and Training: Page 21

205-3

Confirmed incidents of corruption andactions taken

Any material proceedings would be
disclosed in our annual filings with the SEC

GRI 302: ENERGY (2016)
302-1

GRI 103: Management Approach (2016)

206-1

Data Tables: Page 74

Direct (Scope 1) GHG emissions

Data Tables: Page 73

305-2

Energy indirect (Scope 2) GHG emissions

Data Tables: Page 73

305-3

Other indirect (Scope 3) GHG emissions

Data Tables: Page 74

305-5

Reduction of GHG emissions

Data Tables: Pages 73 – 74

GRI 306: WASTE (2020)
306-1

Waste generation and significant
waste-related impacts

Waste and Recycling: Page 69

306-2

Management of significant
waste-related impacts

Waste and Recycling: Page 69

GRI 308: SUPPLIER ENVIRONMENTAL ASSESSMENT (2016)
Fiserv Code of Conduct and Business Ethics
Antitrust and Competition: Page 57

Legal actions for anti-competitive behavior,anti-trust, and monopoly practices

Energy consumption within the organization

305-1

GRI 206: Anti-Competitive Behavior

103-1/103-2/103-3

Invest in Sustainable Systems: Page 61
Governance at Fiserv: Page 47

GRI 305: EMISSIONS (2016)

GRI 205: Anti-Corruption (2016)

103-1/103-2/103-3

GRI 300: Environmental Topics
GRI 103: Management Approach (2016)

GRI 103: Management Approach (2016)

205-1

Taxes: Page 59
Approach to tax

GRI 204: Procurement Practices (2016)

204-1

Location/Reference

207-1

GRI 103: Management Approach (2016)

203-2

09 Appendix

2023 10-K

GRI 203: Indirect Economic Impact (2016)

103-1/103-2/103-3

08 Supporting dataand policies

Any material proceedings would be
disclosed in our annual filings with the SEC

308-1

New suppliers that were screened using
environmental criteria

Vendor Engagement: page 67

2023 Corporate Social Responsibility ReportGRI Standard

02 About this Report82

01 Message from leadership

GRI Standard

02 About this Report

03 About Fiserv

Disclosure

04 Empower people

05 Advance communities
and society

Location/Reference

06 Champion responsible
business practices

GRI Standard

07 Invest in sustainablesystems

Disclosure

GRI 400: Social Topics

GRI 418: Customer Privacy (2016)

GRI 103: Management Approach (2016)

418-1

103-1/103-2/103-3

Empower People: Page 15

Substantiated complaints concerning
breaches of customer privacy and losses ofcustomer data

08 Supporting dataand policies

09 Appendix

Location/Reference

We do not publicly report on this but
our approach to Data Privacy can befound on page 53

GRI 401: Employment (2016)
401-1

New Employee hires and employee turnover

Data Tables: Page 72

401-2

Benefits provided to full-time employeesthat are not provided to temporary or
part-time employees

Notable Benefit Offerings: Page 28

Parental Leave

Notable Benefit Offerings: Page 28

GovernanceOccupational health and safety
management system

Workplace Safety: Page 26

403-2

Hazard identification, risk assessment, andincident investigation

Workplace Safety: Page 26

Governance A – Describe
the board’s oversight ofclimate-related risks andopportunities

403-6

Promotion of worker health

Total Rewards and Well-Being: Pages 27 – 28

TCFD Standard

GRI 403: Occupational Health and Safety (2018)
403-1

Description

In describing the board’s oversight of climate-related issues, companies should consider
including a discussion of the following:
Processes and frequency by which the board
and/or board committees are informed aboutclimate-related issues

Page 47

Page 47

This is our first year setting an
external goal

404-2

Programs for upgrading employee skills andtransition assistance programs

Professional and Career Development:
Pages 20 – 24

404-3

Percentage of employees receiving regularperformance and career development revies

Performance and Career Management:
Page 24

Whether the board and/or board committees consider
climate-related issues when reviewing and guiding
strategy, major plans of action, risk management
policies, annual budgets and business plans, as well
as setting the company’s performance objectives,
monitoring implementation and performance, andoverseeing major capital expenditures, acquisitions,and divestitures
How the board monitors and oversees progress against
goals and targets for addressing climate-related issues

GRI 404: Training and Education (2016)

GRI 405: Diversity and Equal Opportunity
405-1

Diversity of governance bodies and employees

Data Table: Page 73

405-2

Ratio of basic salary and remuneration of
women to men

Pay Equity: Page 27

GRI 406: Non-Discrimination (2016)406-1

Incidents of discrimination and corrective
action taken

Human Rights: Page 56

GRI 413: Local Communities (2016)413-1

Operations with local community
engagement, impact assessments, anddevelopment programs

Community Engagement and Investment:
Pages 35 – 39

GRI 414: Supplier Social Assessment (2016)414-1

New suppliers that were screened usingsocial criteria

Supplier Diversity: Page 42

GRI 415: Public Policy (2016)
415-1

Political contributions

Lobbying and Political Expenditures: Page 59

Governance B –Describe management’s
role in assessing andmanaging climate-relatedrisks and opportunities

Reference

In describing management’s role related to the assessment and management ofclimate-related issues, companies should consider including the following information:
Whether the company has assigned climate-related
responsibilities to management-level positions orcommittees; and if so, whether such management
positions or committees report to the board or
a committee of the board and whether those
responsibilities include assessing and/or managing
climate-related issues

Pages 47 – 48

A description of the associatedorganizational structure(s)Pages 47 – 48

Processes by which management is informed
about climate-related issues

Pages 47 – 48

How management (through specific positions
and/or management committees) monitors
climate-related issues

Pages 47 – 48

2023 Corporate Social Responsibility Report

401-3

TCFD Table

83

TCFD Standard

02 About this Report

03 About Fiserv

Description

04 Empower people

05 Advance communities
and society

Reference

Strategy
Strategy A – Describe
the climate-related risks
and opportunities theorganization has identified
over the short, medium,and long terms

Strategy B – Describe
the impact ofclimate-related risks
and opportunities on theorganization’s businesses,
strategy, and financial
planning

06 Champion responsible
business practices

TCFD Standard

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

Description

Reference

Companies should describe how resilient theirstrategies are to climate-related risks and opportunities,
taking into consideration a transition to a low-carbon
economy consistent with at 2oC or lower scenario andwhere relevant to the company, scenarios consistent
with increased physical climate-related risks

At this time, we do not
conduct climate-related
scenario analysis

Companies should describe their risk management
processes for identifying and assessing
climate-related risks

Pages 49 – 50

Companies should describe whether they consider
existing and emerging regulatory requirements related
to climate change as well as other relevant factors
considered

Page 63

Companies should also consider disclosing thefollowing

Pages 49 – 50

Strategy
Companies should provide the following information:
Describe what is considered the relevant short-,
medium-, and long-term time horizons, taking into
consideration the useful life of the company’s assets
or infrastructure and the fact that climate-related issues
often manifest themselves over the medium andlonger terms

Pages 63 – 66

Describe the specific climate-related issues potentiallyarising in each time horizon (short, medium, and longterm) that could have a material financial impact on
the company

Page 63

Describe the process(es) used to determine which risks
and opportunities could have a material financial impact
on the company

Fiserv does not currently
have a specific methodology
for assessing financial impact
of climate-related risks andopportunities

Companies should consider providing a description of
their risks and opportunities by sector and/or geography,
as appropriate

Pages 49 – 50 and 63 – 66

Strategy C – Describe
the resilience of theorganization’s strategy,
taking into considerationdifferent climate-related
scenarios, including a 20C
or lower scenario

Risk Management
Risk Management A –Describe the organization’s
processes for identifying
and assessing
climate-related risksa) Process for assessing the potential size and scope ofidentified climate-related risks

Building on recommended disclosure (a), companies should discuss how identified
climate-related issues have affected their businesses, strategy and financial planning
Companies should consider including the impact on
their business, strategy and financial planning in thefollowing: products and services, supply chain and/or value chain, adaptation and mitigation activities,
investment in research and development, operations,acquisitions or divestments, and access to capitalPages 66 – 70

Companies should describe how climate-related issues
serve as an input to the financial planning process,the time period(s) used and how these risks andopportunities are prioritized

At this time, climate-related
issues are not a direct input
to the financial planning
process

Companies should describe the impact ofclimate-related issues on their financial performanceand financial position
Companies that have made GHG emissions reduction
commitments, operate in jurisdictions that have madesuch commitments or have agreed to meet investor
expectations regarding GHG emissions reductions
should describe their plans for transitioning to a
low-carbon economy, which could include GHG
emissions targets and specific activities intended toreduce GHG emissions in their operations and value
chain or to otherwise support the transition

Page 62b) Definitions of risk terminology used or references toexisting risk classification frameworks used
Risk Management B –Describe the organization’s
process for managing
climate-related risks

Companies should describe their processes for
managing climate-related risks, including how they
make decisions to mitigate, transfer, accept or control
those risks. In addition, companies should describe
their processes for prioritizing climate-related risks,
including how materiality determinations are madewithin their company

Pages 49 – 50 and 63

Risk Management C –Describe how processes
for identifying, assessing,and managing climaterelated risks are integrated
into the organization’s
overall risk management

Companies should describe how their processes for
identifying, assessing, and managing climate-relatedrisks are integrated into their overall risk management

Pages 49 – 50
2023 Corporate Social Responsibility Report

01 Message from leadership

84

TCFD Standard

02 About this Report

03 About Fiserv

Description

04 Empower people

05 Advance communities
and society

Reference

Metrics and Targets
Metrics and Targets A –Disclose the metrics usedby the organization toassess climate-related risk
and opportunities in linewith its strategy and risk
management process

Metrics and Targets B –Disclose Scope 1,
Scope 2, and if
appropriate, Scope 3
greenhouse gas (GHG)
emissions, and therelated risk

Companies should provide the key metrics used
to measure and manage climate-related risk andopportunities. Companies should consider including
metrics on climate-related risks associated with water,energy, land use, and waste management where
relevant and applicable

Pages 73 – 74

Where climate-related issues are material, companies
should consider describing whether and how related
performance metrics are incorporated into
remuneration policies

Climate-related performance
metrics are not incorporated
into remuneration policies

Where relevant, companies should provide their internalcarbon prices as well as climate-related opportunity
metrics such as revenue from products and services
designed for a low-carbon economy

Fiserv has not set an internalcarbon price

Metrics should be provided for historical periods toallow for trend analysis. Where appropriate, companies
should consider providing forward-looking metrics forthe cross-industry, climate-related metric categories,
consistent with their business or strategic planning time
horizons. In addition, where not apparent, organizations
should provide a description of the methodologies used
to calculate or estimate climate related metrics

Pages 73 – 74

Companies should provide their Scope 1 and Scope
2 GHG emissions independent of a materiality
assessment, and if appropriate, Scope 3 GHG
emissions and the related risks. All companies should
consider disclosing Scope 3 GHG emissions

Pages 73 – 74

GHG emissions should be calculated in line with the
GHG protocol methodology to allow for aggregationand comparability across companies and jurisdictions.
As appropriate, organizations should consider providing
related, generally accepted industry-specific GHG
efficiency rations

Pages 73 – 74

GHG emissions and associated metrics should be
provided for historical periods to allow for trend
analysis. In addition, where not apparent, companies
should provide a description of the methodologies used
to calculate or estimate the metrics

We provide historical metrics
on pages 73–74. For Scope 3,
we continue to expand
our ability to capture andcalculate and currently
only have two years ofcomparable data

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

TCFD Standard

Description

Reference

Metrics and Targets
C – Describe thetargets used by theorganization to manage
climate-related risks
and opportunities andperformance against
targets

Organizations should describe their key climate-related
targets, such as those related to GHG emissions,water usage, energy usage and so on, consistent withthe cross-industry, climate-related metric categories,
where relevant, and in line with anticipated regulatory
requirements or market constraints or other goals.
Other goals may include efficiency or financial goals,
financial loss tolerances, avoided GHG emissions
through the entire product life cycle or net revenue
goals for products and services designed for a
low-carbon economy

Pages 62 and 65

In describing their targets, organizations should
consider including the following:

Page 62 whether the target is absolute or intensity based, time frames over which the target applies, base year from which progress is measured and key performance indicators used to assess
progress against targets
Organizations disclosing medium-term or long-termtargets should also disclose associated interim targets
in aggregate or by business line, where available.
Where not apparent, organizations should provide a
description of the methodologies used to calculate
targets and measures

2023 Corporate Social Responsibility Report

01 Message from leadership85

01 Message from leadership

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

California AB 1305 Compliance Statement
AB 1305 Claims

Disclosure Goal to reduce scope 1 and 2 emissions by 50%
by 2030 from a 2019 baseline

 Fiserv has reviewed our goals internally and withan external party to assess feasibility of achieving
our GHG emissions reduction goals and renewableenergy targets

 Interim scope 3 GHG emissions target of requiring
25% of our vendor spend provide actual GHG
emissions data to us by 2030
 By 2030, we aspire to purchase 100% clean and/or
renewable electricity products for all Fiserv-owned
sites, either through direct purchase from the grid or
through RECs, vPPA or other similar products Our goals do not currently align with net-zero,
science-based targets, or other similar frameworks
 We provide annual disclosures of our GHG emissions
data through CDP and our CSR Report. We plan toprovide annual updates on progress through thesemechanisms. Current and historical measurements ofour emissions and progress can be found on pages 62
and 73 – 74
 As part of our emissions calculation process, wework with a third party to collect, gather and calculate
our GHG inventory in alignment with the GHG
Protocol. At this time, the data, statistics and metrics
are nonaudited estimates and may be based onassumptions believed to be reasonable at the timeof preparation but may be subject to revision. Thisdata has not been externally assured or verified by anindependent third party Our scope 1 and scope 2 GHG emissions in our mostrecent year was 133,999 MT CO2e – a 14% reduction
from the 2019 baseline As part of our emissions calculation process, we workwith a third party to collect, gather and calculate our
GHG inventory in alignment with the GHG Protocol.
At this time, we do not receive external assurance orverification on this information from an independent
third party Our GHG inventory has not been externally assured orverified by an independent third-party
 An overview of our GHG strategy and considerations
can be found on pages 61 – 70 of this Report We provide annual disclosures of our GHG emissions
data through CDP and our CSR Report. We plan toprovide annual updates on progress through thesemechanisms. Outside of our disclosures to CDP, we
do not currently report or align to SBTi or other similar
frameworks or organizations

2023 Corporate Social Responsibility Report

 Scope 1 and Scope 2 GHG Emissions from2019 – 202286

02 About this Report

03 About Fiserv

04 Empower people

05 Advance communities
and society

06 Champion responsible
business practices

07 Invest in sustainablesystems

08 Supporting dataand policies

09 Appendix

2023 Corporate Social Responsibility Report

01 Message from leadership© 2024 Fiserv, Inc. or its affiliates. Fiserv is a trademark of Fiserv, Inc., registered or used in the United States and foreign countries, and may or may not beregistered in your country. All trademarks, service marks, and trade names referenced in this material are the property of their respective owners.

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