WeÕre Vocalink, a global payments partner to banks, corporates and governments. This year we became part of the Mastercard group, joining the family of one of the most widely recognised and respected technology companies in the world. Together weÕre redrawing the lines of whatÕs possible in payments by bringing bank account and card-based payments under one roof, enabling payment innovation and choice. WeÕve been at the heart of payments for over 50 years, designing, building and operating world-class payment systems. WeÕre driven by a goal to deliver unmatched flexibility, security and resilience in payments. And as a technology company, we connect individuals, businesses and organisations around the world, powering economies and empowering people to make payments whenever they want, wherever they want and however they want. For us itÕs all about offering solutions that meet our customersÕ payment needs and delivering superior value for all of our stakeholders: shareholders, financial institutions, merchants, governments, businesses, and consumers. Every person and business in the UK benefits from VocalinkÕs technology and payment expertise, while our real-time technology continues to reach more and more people globally. We process everything from salaries and state benefits, to household bills and cash withdrawals Ð in fact, last year alone our network of 70,000 ATMs helped customers withdraw £140 billion. In total we processed over 11 billion transactions with a value of £6 trillion.