Michael Alan Salop | The Western Union Co. |
Hikmet Ersek | The Western Union Co. |
Rajesh K. Agrawal | The Western Union Co. |
Tien-Tsin Huang | JPMorgan Securities LLC |
Darrin Peller | Barclays Capital, Inc. |
Bryan C. Keane | Deutsche Bank Securities, Inc. |
Jason Kupferberg | Bank of America Merrill Lynch |
Kartik Mehta | Northcoast Research Partners LLC |
Jennifer Dugan | SunTrust Robinson Humphrey, Inc. |
James Schneider | Goldman Sachs & Co. LLC |
Ashwin Shirvaikar | Citigroup Global Markets, Inc. |
Thomas McCrohan | Mizuho Securities USA, Inc. |
Damian Wille | Jefferies LLC |
Rayna Kumar | Evercore Group LLC |
John Kimbrough Davis | Stifel, Nicolaus & Co., Inc. |
Good afternoon, and welcome to the Western Union Third Quarter Earnings Conference Call. All participants will be in listen-only mode. After today's presentation, there will be an opportunity to ask questions. Please note this event is being recorded. I would now like to turn the conference over to Mike Salop, Senior Vice President of Investor Relations.