Member2019-12-310000070866ncr:ZynstraLtd. Member2019-01-012019-12-310000070866us-gaap:TradeNamesMemberncr:ZynstraLtd. NCR is a global company that is headquartered in Atlanta, Georgia. We encourage our employees to treat every customer as if they are our only customer. NCR's portfolio of patents and patent applications is of significant value to NCR. At NCR, we are proud of our data protection, cybersecurity, and privacy programs. Our Brazil, Hungary, and India facilities maintain the ISO 14001 certification. Product Innovation and Management. As such, we strive to develop and adapt, and recycle our products in a responsible way. From 2007 to 2009, Mr. Hayford also served on the Board of Directors of Metavante. NCR also will furnish its Code of Conduct at no cost and any other exhibit at cost. There is significant uncertainty regarding such measures and potential future measures. However, we may be subject to foreign withholding taxes, which could be significant. Any such actions could impact our financial condition or results of operations. There were approximately 76,161 holders of NCR common stock as of February 12, 2021. As a percentage of revenue, these costs were 3.7% in 2019 and 3.9% in 2018. T&T revenue increased 11% driven by an increase in services revenue. We have a $102 million liability related to our uncertain tax positions. In 2020, we made a discretionary contribution of $70 million to our U.S. pension plan. In such cases, revenue is not recognized until the customer acceptance is obtained. SaaS is reported as part of our services revenue. This expedient permits us to recognize revenue in the amount we invoice the customer. These estimates are reassessed at each reporting date. This policy is applied consistently among all of our operating segments. We purchase inventory from third party suppliers and manufacture inventory at our plants. Over time, we refine these estimates as facts and circumstances change. The policies described are applied consistently across all of our operating segments. The cash flow forecasts are generally based on approved strategic operating plans. Credit risk includes the risk of nonperformance by counterparties. Derivatives and Hedging Instruments109Note 13. Quarterly Information (Unaudited)11749Table of ContentsItem 8. We believe that our audits provide a reasonable basis for our opinions. The income approach incorporates the use of discounted cash flow (DCF) analysis. We do not typically include extended payment terms in our contracts with customers. Refer to Note 2, "Goodwill and Purchased Intangible Assets" for further discussion. Lease income associated with these leases is not material. Remeasurement adjustments are recorded in other income (expense), net. However, the expectation is the long term growth strategy will remain intact. The goodwill arising from the acquisition has been allocated to our Banking segment. As a result of the acquisition, Zynstra became a wholly-owned subsidiary of NCR. These 5.00% notes were redeemed at 100% plus accrued and unpaid interest. These postemployment benefits are funded on a pay-as-you-go basis. Derivatives may be used to adjust market exposures in an efficient and timely manner. NCR and API, along with B.A.T Industries p.l.c. ( The transaction closed on October 13, 2020. Required Delay in Payment to Key Employees9-29.7. Investment of Trust Funds11-1Article 12 - Plan Administration12-112.1. Powers and Responsibilities of the Administrator12-112.