Mike Gallentine | VP, IR |
Bob Lisy | Chairman, CEO and President |
Tony Lauro | CFO |
Joseph Aguilar | COO |
Randy Nilsen | Chief Revenue Officer |
David Scharf | JMP Securities |
Mark Palmer | BTIG |
Mike Grondahl | Northland Securities |
Josh Beck | KeyBanc |
Timothy Chiodo | Credit Suisse |
Greetings. Welcome to International Money Express Third Quarter 2020 Earnings Conference Call. At this time, all participants will be in a listen-only mode. A brief question-and-answer session will follow the formal presentation. [Operator Instructions] At this time, I will turn the conference over to Mike Gallentine, Vice President of Investor Relations.