Jeff Newman | Executive Vice President & General Counsel |
Mike Brown | Chief Executive Officer |
Rick Weller | Chief Financial Officer |
Kevin Caponecchi | Executive Vice President & Chief Executive Officer, epay Division |
Rayna Kumar | Evercore ISI |
Andrew Schmidt | Citi |
Darrin Peller | Wolfe Research |
Tim Willi | Wells Fargo |
Peter Heckmann | D.A. Davidson |
Andrew Jeffrey | SunTrust |
Mayank Tandon | Needham & Company |
Greetings and welcome to the Euronet Worldwide Third Quarter 2019 Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. [Operator Instructions]
It is now my pleasure to introduce your host Mr.