EFTA Document EFTA01382653

Y.- I/A Table of Contents Transaction and processing service fees revenue grew 2% in 2014 compared to 2013 led by 8% growth in our EMEA region. EMEA growth was driven by growth in our merchant acquiring alliances business. Our North America segment growth was driven by net pricing increases resulting in an increase of approximately $20 million for regional merchants, and network routing incentives. In 2014. the U.S. dollar significantly strengthened in comparison to most major currencies ne