Scott Claassen | General Counsel and Secretary |
Michael Brown | Chairman, President and Chief Executive Officer |
Rick Weller | Executive Vice President and Chief Financial Officer |
Kevin Caponecchi | Executive Vice President and Chief Executive Officer, epay, Software and EFT Asia Pacific Division |
Andrew Schmidt | Citigroup Inc. |
John Rodriguez | D.A. Davidson & Co. |
Darrin Peller | Wolfe Research, LLC |
Good day, ladies and gentlemen. Greetings and welcome to the Euronet Worldwide Fourth Quarter and Full-Year 2021 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.