Joseph Hassett | IR |
Louis Hoch | Co-Founder, Vice-Chairman, President, CEO & COO |
Tom Jewell | SVP & CFO |
Vaden Landers | EVP & Chief Revenue Officer |
Houston Frost | SVP, Corporate Development & Prepaid Products |
Barry Sine | Dawson James Securities |
Brian Kinstlinger | Alliance Global Partners |
Michael Diana | Maxim Group |
Good day, everyone, and welcome to the Payment Data Systems Third Quarter 2018 Earnings Results Conference Call. [Operator Instructions]. And please note that today's event is being recorded. I would now like to turn the conference over to Joe Hassett. Please go ahead with your presentation.