Steve Elder | VP, IR |
Melissa Smith | CEO |
Roberto Simon | CFO |
Sanjay Sakhrani | KBW |
Steven Wald | Morgan Stanley |
Ashish Sabadra | Deutsche Bank |
Ramsey El-Assal | Barclays |
Bob Napoli | William Blair |
Ladies and gentlemen, thank you for standing by, and welcome to the WEX Q3 2020 Earnings 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] Please be advised that today’s conference is being recorded. [Operator Instructions] I would now like to hand the conference over to your speaker today, Steve Elder, VP of Investor Relations.