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 negatively impacting revenue growth in our international regions. North America transaction growth in 2014 compared to 2013 was driven by growth in our national and ISO merchants. partially offset by lost business at Walman as they shifted from using us as their sole processor to a dual processor strategy in the just quarter of 2014. The Walmart shift resulted in a revenue decline of $16 million compared to the prior year. This decline was partially offset by volume growth from other clients. International transaction growth in 2014 compared to 2013 outpaced revenue growth due to changes in transaction mix and the impact of foreign currency exchange rate movements. Transaction and processing service fees revenue increased 3% in 2013 compared to 2012 led by growth in our North America and EMEA regions. North America growth was driven by volume growth of approximately $15 million, net pricing increases rmIting in an increase of approximately $15 million and network routing incentives of approximately $30 million. Revenue growth was particularly strong in our EMEA region, which accounted for approximately 509/0 of segment growth. Growth in our EMEA region was driven by volume growth. particularly in merchant acquiring alliances as well as direct sales channels in Ireland. the United Kingdom. and Poland. In addition, revenue in our APAC region decreased compared to 2012 due to lower ATM volumes in Australia. In 2013, the U.S. dollar strengthened in comparison to most maj