Brendan Metrano | Vice President, IR |
Hikmet Ersek | Chief Executive Officer |
Raj Agrawal | Chief Financial Officer |
Brad Windbigler | Head, Treasury and IR |
Darrin Peller | Wolfe Research |
Jason Kupferberg | Bank of America |
Tien-Tsin Huang | JP Morgan |
Brian Keane | Deutsche Bank |
Rayna Kumar | Evercore |
James Faucette | Morgan Stanley |
Ramsey El-Assal | Barclays |
Ashwin Shirvaikar | Citi |
Timothy Chiodo | Credit Suisse |
Jamie Friedman | Susquehanna |
Ken Suchoski | Autonomous Research |
Kartik Mehta | Northcoast Research |
Matthew O'Neill | Goldman Sachs |
Good day. And welcome to The Western Union Company Third Quarter 2020 Earnings Release Conference Call. All participants will be in 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.