We welcome Mitsubishi UFJ NICOS Ltd. (“MUN”) to the CardLinx Association. MUN is Japan’s largest issuer of credit cards. The company is an affiliate of Mitsubishi UFJ Group (“MUFG”), Japan’s largest financial service group and the world’s second largest bank holding company with $2.46 trillion in assets. Based in Tokyo, MUFG provides financial solutions including: credit cards, banking, trust banking, securities, and leasing at over 1,100 offices in 40 countries. Founding companies for MUFG date back to 1880. In 2005 MUFG was formed through the combination of Mitsubishi Tokyo Financial Group and UFJ Group.