Fiserv delivers technology solutions in five areas of competence: 1  Payments: Solutions to optimize all aspects of payments, creating efficiency and driving growth. 2  Processing Services: Solutions for managing account-based transactions reliably and securely. 3  Risk & Compliance: Solutions to prevent and mitigate risk.
Hershey's Gold a caramelized creme bar, made with crushed peanuts and pretzels. It's described as sweet and salty, crunchy and creamy. It does not contain any chocolate.
Milk products. For chocolate to be considered milk chocolate, it must contain at least 12 percent milk ingredients. The milk ingredients in a Hershey's bar include milk fat and lactose. Milk fat is, as its name suggests, the fat content in milk, while lactose is the sugar found in milk.