Hikmet Ersek | Chief Executive Officer |
Raj Agarwal | Chief Financial Officer |
Brad Windbigler | Head of Treasury and Investor Relations |
Tien Tsin Huang | JP Morgan |
Jason Kupferberg | Bank of America |
Darrin Peller | Wolfe Research |
David Togut | Evercore ISI |
Brian Keane | Deutsche Bank |
James Fawcett | Morgan Stanley |
Hikmet Ersek | Citi |
Jenny Friedman | Susquehanna |
Vasu Govil | KBW |
Automated Voice | Unidentified |
Good day, and welcome to the Western Union Third Quarter 2021 Results 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. I would now like to turn the conference over to Brad Windbigler, Head of Treasury and Investor Relations.