Melissa Smith | President and CEO |
Roberto Simon | CFO |
Steve Elder | SVP, Global IR |
Sanjay Sakhrani | Keefe, Bruyette & Woods |
Darrin Peller | Wolfe Research |
Robert Napoli | William Blair |
James Schneider | Goldman Sachs |
Oscar Turner | SunTrust Robinson Humphrey |
Good morning. My name is Kyle and I will be your conference operator today. At this time, I would like to welcome everyone to the WEX’s 3Q 2018 Earnings Conference Call. All lines will be placed on mute to prevent any background noise. After the speakers’ remarks, there will be a question-and-answer session.