So, that’s pretty much where we are right now. Why then I just sum it up with maybe half a dozen quick comments and that is as we mentioned it's really nice to see all three businesses will grow this year. And we think it will range from low single-digits LoyaltyOne up to 30% plus at Epsilon. EBITDA high single-digits at LoyaltyOne up to 30% at Epsilon. Additionally, the question always is out there of what keeps us up at night, what a big worries for the year. And I think at this point, there are less worries but more of there's probably three critical things that we're going to keep our eye on to make sure we execute. The first would be of course at LoyaltyOne making sure that the issuance growth is in fact on track to flip strongly positive in the second half to ensure that we have strong visibility going into '14 and '15.
The second thing we're watching very closely is we are rolling out a brand new digital platform called Harmony at Epsilon that rolls in Q3 and should drive a good chunk of growth into 2014 revenues. We believe this platform will put us right at where we need to be in terms of feature functionality within the industry on the email side. So, we're anxiously awaiting that rollout, that's critical as well.
Then finally, while Brazil is going like gangbusters, we still need to execute on a very aggressive plan of five regions that we want to rollout, including one big one and while things are looking pretty good, we want to make sure we execute on those. So those are the three areas that really are the focus of the rest of the year for us in terms of making sure things get done.
Overall strong 7% to 8% organic revenue growth, you add in the acquisition of HMI and we're looking at teens growth of revenue and EBITDA and core earnings and we talked about the EPS growth moving from 6% to 7% into double digit into very strong double digit as we exit 2014. Again as I focus on '14 and '15 very strong signings in pipelines at all the three businesses and therefore beginning to firm up '14 at this point. For the rest of '13, I know that's the purpose or most of the purpose of this call, we have raised guidance as far twice, and along with strong new business signings, no flags in credit quality and plus declining share count and certainly some buyback activity, we do feel comfortable that '13 will continue on a very solid path and that '14 is shaping up to be a nice year as well. So that being said, why don't we go over to questions. Thanks.