Kay Sharpton | Vice President-Investor Relations |
Morgan Schuessler | President and Chief Executive Officer |
Joaquin Castrillo | Chief Financial Officer |
Robert Napoli | William Blair & Co. |
Vasundhara Govil | Keefe, Bruyette & Woods, Inc. |
James Faucette | Morgan Stanley |
John Davis | Raymond James & Associates, Inc. |
George Mihalos | Cowen & Company |
Bryan Keane | Deutsche Bank |
Good afternoon, and welcome to the EVERTEC Incorporated Fourth Quarter 2018 Earnings Conference Call. All participants will be in a listen-only mode. [Operator Instructions] After today’s presentation there will be an opportunity to ask questions. [Operator Instructions] Please note, today's event is also being recorded. And at this time, I'd like to turn the conference call over to Ms.