Scott Claassen | General Counsel |
Mike Brown | Chairman & CEO |
Rick Weller | CFO |
Kevin Caponecchi | CEO, Epay Division |
Ken Suchoski | Autonomous Research |
Andrew Schmidt | Citi |
Peter Heckmann | D.A. Davidson |
Greetings and welcome to the Euronet Worldwide Third Quarter 2020 Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question and answer session. [Operator Instructions]. It is now my pleasure to introduce your host Mr.