We have also managed our company’s  resources to reflect a sense of steward- ship in the investment you have made  in us. We manage our business by doing more with less, keeping a tight rein on expenses, and by wisely  allocating our capital, equipment, time  and talent for the greatest possible  value creation. We also signed an enterprise-wide agreement with Simmons First, a “super prime” issuer that offers some of the most sought after credit card products available to consumers today. In addition, we signed Caterpillar Financial Services Corporation, the financial arm of Caterpillar Inc. Taking into consideration all of these  factors, fiscal year 2010 stands out as a year spent building a foundation  that will support scale in new countries,  on new systems and in growing payment channels such as healthcare, prepaid and mobile. end-to-end healthcare payment solution. Our solutions continue to be regarded as among the best in the healthcare payments industry. TSYS also renewed long-term agree- ments with both Canadian Imperial  Bank of Commerce and U.S. Bank.  In addition to supporting U.S. Bank’s  commercial card payment services, we  also became its exclusive partner in  providing card processing services for the bank’s Consumer Directed  Healthcare (CDH) benefit cards. The cards will eventually allow U.S.  Bank cardholders to access multiple  healthcare-related spending accounts,  cash and lines of credit. In 2010, we were pleased to welcome  Mark D. Pyke, a 26-year veteran of the payments and financial services industry, as president of TSYS Acquiring Solutions. ®  Mark has held leadership positions in the acquiring industry for more than two decades, and his promising tenure has already been marked by  sound strategies to advance us in the industry. Mark will now lead the merchant services segment that includes our merchant processing and our merchant acquiring businesses. The topic of healthcare created waves in the political sector, and generated excitement amongst our client base as well. In May, we announced an agreement with Lighthouse1, which  offers CDH administration software solutions, to provide an integrated TSYS Acquiring Solutions renewed an  agreement with Sage Payment Services  We are pleased with our progress in the North America segment of our business. In 2010, an important milestone for TSYS came with the  signing of Bank of Montreal, one of  Canada’s five largest banks and its  largest MasterCard issuer. Upon the  conversion of Bank of Montreal’s portfolio, TSYS’ share of the Canadian  credit card market will approach 64  percent. We also successfully launched  a credit card for Walmart Canada,  where more than one million people  shop in one of 323 national locations  each day.*  2 * Source: walmartstores.com/pressroom/news/10519.aspx MERCHANT SERVICES SUCCESSES NORTH AMERICA RESULTS building  momentum Just what do we  mean by building  momentum?