Before we begin, I'd like to remind you that some of our discussions may contain statements of a forward-looking nature, which represent management's beliefs and assumptions concerning future events. Forward-looking statements involve risks, uncertainties and assumptions that are based on information currently available to us. Actual results may differ materially from those expressed in the forward-looking statements due to many factors. Information concerning these factors is contained in the report of our financial results we released earlier this morning and in the company’s SEC filings. We undertake no obligation to update any forward-looking statements made during this call to reflect events or circumstances that may arise after this call.Now, I'd like to turn the call over to Bob Carr. Robert O. Carr Thank you, Maria, and good morning, everyone. I'd like to thank you all for joining us today and for your interest in Heartland. As you saw in our financial results for the first quarter, we reported adjusted net income of $15.7 million, or $0.39 per share, both increases of 70% compared to the comparable figures in the same quarter last year. For the quarter, we achieved record operating income and what has typically been our weakest quarter, and while absorbing $1 million in Summit expense. Our performance in the quarter was driven by a combination of a strong execution of our strategy to improve growth and achieve greater cost efficiencies as well as an economic backdrop that is as good as we have seen since the onset of the recession. This combination led to an 8.3% improvement in our card processing volume in the quarter, a slight acceleration from our growth rate last quarter aided by lower volume attrition and better same-store sales performance. Volume attrition in the quarter was actually the best we've seen since 2007. From a competitive standpoint, the pricing umbrella provided by competitors, who don't pass through the Durbin reductions, extended into the first quarter as we enjoyed strong margins on new business.