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Operator Good morning, and welcome to the MoneyGram International, Inc. fourth-quarter 2020 earnings release conference call. Today s conference is being recorded. [Operator instructions] It is now my pleasure to turn the floor over to your host, Stephen Reiff, head of corporate communications. Please go ahead, sir. Head of Corporate Communications Good morning, and thank you for joining us. We also appreciate your patience and flexibility to reschedule this call today, given the unprecedented winter storm that caused power outages and disrupted our internet last week. On the call with me, you have Alex Holmes, MoneyGram chairman and chief executive officer; Larry Angelilli, chief financial officer; and Kamila Chytil, chief operating officer and leader of the company s Digital Business. On the MoneyGram investor relations website, you can find our earnings press release and presentation, which is intended to supplement our prepared remarks during today s call and provide the reco

United statesAlex holmesAsia pacificLarry angelilliStephen reiffMoneygram internationalWorld bankCanada postStephen reiff head of corporate communicationsMoneygram international incKamila chytilRisk factorsChief executiveMoneygram onlineMiddle eastNorth america