Steve Elder | VP, IR |
Melissa Smith | Chairman & CEO |
Roberto Simon | CFO |
Darrin Peller | Wolfe Research |
Tien-Tsin Huang | JPMorgan |
Ramsey El-Assal | Barclays |
Bob Napoli | William Blair |
Ashish Sabadra | Deutsche Bank |
Dave Koning | Baird |
Ladies and gentlemen, thank you for standing by. And welcome to the WEX Q4 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] Please be advised that today’s conference is being recorded.