Mike Salop | SVP of IR |
Hikmet Ersek | CEO |
Raj Agrawal | CFO |
Tien-Tsin Huang | JP Morgan |
Bryan Keane | Deutsche Bank |
Darrin Peller | Wolfe Research |
Jim Schneider | Goldman Sachs |
James Faucette | Morgan Stanley |
Jason Kupferberg | Bank of America Merrill Lynch |
Ashwin Shirvaikar | Citi |
Jennifer Dugan | SunTrust |
Ramsey El-Assal | Barclays |
Vasundhara Govil | KBW |
Tim Willi | Wells Fargo |
Bob Napoli | William Blair |
Good afternoon, and welcome to the Western Union Fourth Quarter 2018 Earnings Conference Call. All participants will be in a listen-only mode. [Operator instructions] After today’s presentation, there will be an opportunity to ask questions. [Operator instructions] 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.