Scott Claassen | General Counsel |
Michael Brown | Chairman and CEO |
Rick Weller | CFO |
Kevin Caponecchi | EVP and CEO, epay, Software and EFT Asia Pacific Division |
Andrew Schmidt | Citi |
Andrew Jeffrey | Truist |
David Togut | Evercore |
Darrin Peller | Wolfe Research |
Ken Suchoski | Autonomous Research |
Good day ladies and gentlemen, and thank you for standing by. Welcome to the Euronet's Worldwide Third Quarter 2022 Earnings Call. [Operator Instructions] At this time, I would like to turn the conference over to Mr. Scott Claassen, General Counsel. Sir, please begin.