Scott Claassen | General Counsel |
Mike Brown | Chairman & CEO |
Rick Weller | CFO |
Kevin Caponecchi | CEO, epay Division |
Darrin Peller | Wolfe Research |
Andrew Schmidt | Citi |
Chris Shutler | William Blair |
Rayna Kumar | Evercore |
Greetings, and welcome to the Euronet Worldwide Fourth Quarter and Full Year 2020 Earnings Conference Call. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session and instructions will follow at that time. [Operator Instructions] As a reminder, this conference is being recorded. It is now my pleasure to introduce your host, Mr.