Michael Alan Salop | The Western Union Co. |
Hikmet Ersek | The Western Union Co. |
Rajesh K. Agrawal | The Western Union Co. |
Bill Schultz | Goldman Sachs & Co. LLC |
Darrin Peller | Wolfe Research LLC |
Tien-Tsin Huang | JPMorgan Securities LLC |
Bryan C. Keane | Deutsche Bank Securities, Inc. |
Jason Kupferberg | Bank of America Merrill Lynch |
Rayna Kumar | Evercore ISI |
James E. Faucette | Morgan Stanley & Co. LLC |
Ashwin Shirvaikar | Citigroup Global Markets, Inc. |
Kartik Mehta | Northcoast Research Partners LLC |
Jennifer Dugan | SunTrust Robinson Humphrey, Inc. |
James Eric Friedman | Susquehanna Financial Group LLLP |
Good afternoon, and welcome to the Western Union third quarter earnings conference call. All participants will be in listen-only mode. Please note, this event is being recorded. I would now like to turn the conference over to Mike Salop, Senior Vice President of Investor Relations. Please go ahead, sir.