Jeff Newman | Executive Vice President and General Counsel |
Rick Weller | CFO |
Mike Brown | Chairman and CEO |
Kevin Caponecchi | CEO, epay Division |
Andrew Jeffrey | SunTrust |
Rayna Kumar | Evercore ISI |
Mike Grondahl | Northland Securities |
Darrin Peller | Wolfe Research |
Andrew Schmidt | Citi |
Peter Heckmann | Davidson |
Greetings and welcome to the Euronet Worldwide Fourth Quarter and Full Year 2019 Earnings Conference Call. At this time, all participants’ lines are in a listen-only mode. After the speakers’ presentation, there will be a question-and-answer session at this time. [Operator Instructions] Please be advised that today’s conference is being recorded. [Operator Instructions]