WEX Inc. common stock

At this time, I would like to welcome everyone to the WEX Q3 2023 earnings call. All lines have been placed on mute to prevent any background noise. After the speaker's remarks, there will be a question and answer session. Please limit your question to one initial and one follow-up. If you would like to ask a question during this time, simply press star followed by the number one on your telephone keypad. If you would like to withdraw your question, again, press star and the number one I will now hand the call over to Melissa Smith, CEO.

Thanks, Bailey. Before we begin our prerecorded remarks, I want to take a moment and acknowledge the mass shooting that occurred last night in Lewiston, Maine, and the ongoing search for the shooter. As a Mainer and leading one of Maine's largest companies, I'm shocked, horrified, and saddened by these events. We have approximately 1,200 employees in Maine, many of whom live in Lewiston or in the vicinity. Our hearts are with those who have lost loved ones in the senseless tragedy. Our hearts are also with those fellow Wexers and our community members that are now sheltering in their own homes, many with young children. We praise the work of those that protect our community and hope that this tragedy comes to an end shortly and we can move toward grieving without fear of it continuing. It's a reminder that the tragedy that happens all over the world today doesn't escape any corner. We appreciate you lending your heart today to those that are suffering in this corner of the world. Bailey, please begin our prerecorded remarks, and Jagtar and I will open it up for Q&A thereafter.

Thank you, Operator, and good morning, everyone. With me today is Melissa Smith, our Chair and CEO, and Jagtar Narula, our CFO. The press release we issued earlier this morning and a slide deck to walk through our prepared remarks have been posted to the investor relations section of our website at wexinc.com. A copy of the release has also been included in an AK we filed with the SEC earlier this morning. As a reminder, we will be discussing non-GAAP metrics, specifically adjusted net income attributable to shareholders, which we refer to as adjusted net income, or ANI, adjusted operating income, and related margin, as well as adjusted free cash flow during our call. Please see exhibit one of the press release for an explanation and reconciliation of these non-GAAP measures. The company provides revenue guidance on a GAAP basis and earnings guidance on a non-GAAP basis due to the uncertainty and the indeterminate amount of certain elements that are included in reported GAAP earnings. I would also like to remind you that we will discuss forward-looking statements under the Private Securities Litigation Reform Act of 1995. Actual results may differ materially from those forward-looking statements as a result of various factors, including those discussed in our press release and the risk factors identified in our annual report on Form 10-K for the year ended December 31, 2022, filed with the SEC on February 28, 2023, and in our quarterly reports on Form 10-Q for the quarters ended March 31, 2023 and June 30, 2023, filed with the SEC on April 27, 2023 and July 27, 2023, respectively, and subsequent SEC filings. While we may update forward-looking statements in the future, we disclaim any obligation to do so. You should not place undue reliance on these forward-looking statements all of which speak only as of today. With that, I'll turn the call over to Melissa.