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Operator Greetings, and welcome to the Euronet Worldwide Fourth Quarter and Full-Year 2020 Earnings Conference Call. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session, and instructions will follow at that time. [Operator Instructions] It is now my pleasure to introduce your host, Mr. Scott Claassen, General Counsel for Euronet Worldwide. Thank you. Mr. Claassen, you may begin. Scott Claassen General Counsel Thank you. Good morning and welcome everyone to Euronet s quarterly results conference call. We ll present our results for the fourth quarter 2020 and full year 2020 on this call. We have Mike Brown, our Chairman and CEO; Rick Weller, our CFO; and Kevin Caponecchi, the CEO of our epay division on the call.

United statesRepublic ofAr riyaSaudi arabiaScott claassenDarrin pellerChris shutlerAsia pacKevinj caponecchiAndrew schmidtRick wellerMike brownMichaelj brownAndrew schmidt citiKevin caponecchiWilliam blair