Jeff Newman | Executive Vice President and General Counsel |
Mike Brown | Chairman and CEO |
Rick Weller | Chief Financial Officer |
Kevin Caponecchi | CEO of Epay Division |
Mike Grondahl | Northland Securities |
Chris Shutler | William Blair |
Andrew Jeffrey | SunTrust |
Jim Schneider | Goldman Sachs |
Chris Shutler | William Blair |
Rayna Kumar | Evercore ISI |
Greetings and welcome to the Euronet Worldwide Fourth Quarter 2018 Earnings Conference Call. At this time, all participants are in a listen-only mode. Later, we will conduct a question and answer session, and instructions will follow at that time. [Operator Instructions] As a reminder, this conference call is being recorded. It is now my pleasure to introduce your host, Mr.