Good morning, everyone, and thank you for joining us today. I’m pleased to report another strong quarter of performance that exceeded our top and bottom line guidance ranges. By executing on our strategies, continuing to innovate, and leveraging our products and services, we continued to win new business and maintain our market leading position within our core verticals. Revenue grew 18% compared to last year's third quarter, our ninth consecutive quarter of double-digit revenue growth, reaching $382.7 million. Net income on a GAAP basis was $1.31 per diluted share and adjusted net income was $2.19 per diluted share, up 53% relative to last year’s third quarter. We had double-digit revenue growth in our Fleet Solutions and Travel and Corporate Solutions segments as well as our U.S. healthcare business. This is the result of solid execution, complemented by favorable macroeconomic conditions. Turning to Slide 4. We carried our momentum into the third quarter following an impressive first half of the year by executing against our strategic pillars and leveraging the underlying strength of their business. We generated solid volume gains which drove organic revenue growth of 8.4% this quarter. This figure excludes the positive impacts from higher fuel prices, foreign exchange rates, the new revenue recognition standard, and M&A activity. I am particularly pleased to see us continue to win new business, deepen existing relationships with our long-time partners, and deliver industry-leading technology to our customers. Our growing market share is proof that our commitment to our strategic pillars is continuing to payoff. Slide 5 highlights a handful of new wins and contract renewals in each of our segments in the third quarter. In Fleet Solutions, revenue growth was 18% relative to the third quarter of 2017, driven by higher volume growth, increased late fees, and strong macroeconomic tailwinds. Our primary focus in the fleet segment this quarter and until fully converted is the transition of both the Chevron and Shell portfolios. These are two of the largest oil company portfolios in North America and will have a meaningful impact on our fleet business over many years. Regarding Shell, the conversion of the smaller Navigator program is well underway with two-thirds of the accounts and cards already produced . The conversion of the larger private label portfolio is expected to start in early 2019. We expect to be complete with the conversions by the end of the second quarter. At this point, we have started the data mapping, system configuration, and data load to support the conversions. And as we discussed last quarter, we’re making the investments necessary to handle the additional volume and sales support. We’re also pleased to announce the recent signing of the remaining agreements related to the Chevron portfolio, which was necessary to convert the program onto our platform. We are awaiting receipt of the customer-specific data, but expect to begin converting the existing portfolios late this year and to be fully ramped by the end of the second quarter of 2019. As a result of the extended periods of negotiation and the changes in the portfolio of the last two years, we have altered a number of terms with Chevron. Included in these changes, we’ve extended the term of the contract to a full 13 years from the date the final accounts convert to WEX. To put the importance of these two portfolios into perspective, we currently expect to add at full run rate approximately 800 million payment processing gallons in aggregate, which represents approximately 7% of our total today. New sales have already begun, and we’re pleased with the initial traction for both programs. We’re also excited to announce significant over-the-road contract wins and renewals, including, FleetFirst, SRS Distribution, and Heniff Transportation as well as new wins in our North American fleet business including PSC Industrial Outsourcing, and Atlas Oil Company. In addition to the handful of other contracts renewed this quarter, including Wheels in the State of Georgia, we signed a five-year renewal with AT&T, one of our biggest commercial customers, our commitment to constant innovation and our ability to provide technology tools that AT&T needs to run its fleets efficiently and with more control were determining factors in renewing this business. Moving on to the GSA SmartPay 3 contract, which we extended into a new 13-year agreement earlier this year, new awards this quarter include the Department of Homeland Security and several other smaller agencies. I’m pleased to report that every agency that had to find a new provider chose WEX. We also renewed a relationship with GSA Fleet, the Department of Agriculture, the U.S. Treasury, and the Department of Energy. Unfortunately, we did not win the U.S. Postal Service who decided to continue with their incumbent provider. Even without this account, we ended the process with more volume than we had under the old contract. In Travel and Corporate Solutions, we saw impressive revenue growth of 36% year-over-year as well as purchase volume growth of 11%. Revenue growth was driven again by strong international performance, particularly in Asia and Brazil, corporate payments growth of nearly 30% as well as contributions from the AOC acquisition. New travel customer signings this quarter include a number of European and Asian customers and Ai.io, which provides online travel services on voice demand in conjunction with Priceline.com. We continue to diversify our business across both channels and customers which is a continuation from the progress we’ve made in the first half of the year. This morning, we announced an agreement to be the first issuer of virtual cards for JCB, the largest Japanese domestic card scheme. This is a positive development for our Asia-Pacific region as it will further open up the Japanese market for our travel customers. We expect to begin issuing these cards late next year after the development work is complete. Lastly, our Health and Employee Benefit Solutions segment saw a decrease in quarterly revenue of 1% compared to last year. We continue to see macroeconomic headwinds in Brazil, which Roberto will address later on. We continue to see success in our U.S. healthcare business, which grew revenue by 13% in the third quarter, beating our expectations. The success of the U.S. health business this quarter was driven by a 16% year-over-year growth in the average number of SaaS accounts as well as spend volume that was up 11% compared to the same period last year. Healthcare trends continued to be positive for the business. I want to highlight a few important new partnerships this quarter, including Admin America, Alerus Retirement and Benefits and San Bernardino County. We also added the state of South Carolina as well as a noteworthy new employer on the platform to our partner ASI Flex. We continued to capitalize on the momentum of the HSA market with solid growth from our partners and a truly differentiated set of technology capabilities. We’re competent in our market position as we head into the open enrollment season. Staying on Slide 5, the persistent growth in expanding customer base we saw this quarter is driven by our ability to continuously innovate and introduce new market-leading products enabled by our technology. Within fleet, our primary focus is the onboarding of the Shell and Chevron portfolios. In addition, we continue to enhance our offerings to better serve customers and introduce new products and capabilities. We’re continuing to rollout ClearView Snap to additional small fleets this month. We currently have just under 3,000 accounts receiving analytics from ClearView, a significant growth in use as ClearView was used almost exclusively by large fleets before this rollout. We’ve made updates to SmartHub which is used by fleet managers to include improved real-time functionality and better online usability focusing on optimizing self-service capabilities. We’re now live with our mobile payments app DriverDash at more than 10,000 locations across the U.S. and are seeing strong demand from merchants to enable this technology. In our Travel and Corporate Solutions segment, we recently announced the signing of Noventis which I will discuss in more detail shortly. We are particularly interested in applying Noventis’ unique payment delivery technologies and merchant enrollment capabilities to our broader corporate payments business. Our U.S. health business continues to lead the industry in innovation with its recent release delivering features and functionality that further helped consumers make the most of their healthcare dollars through a simple and intuitive experience. Via the WEX Health Cloud Consumer Portal, consumers now experience complete investment functionality as well as the option for an HSA one-time investment suite transfer. Also more than 20 new metrics have been added to the Administrator Dashboard to provide partners with important insights into their business through benchmark data. The investment capabilities in WEX Health Cloud provide an incredible amount of flexibility for consumers to move dollars to and from their accounts. The new investment portal also provides tailored educational context as well as investment guidance for HSA investors. Turning to Slide 6. Before I wrap up my remarks, I was spend a moment on our decision to acquire Noventis that we announced last week for approximately $300 million. The deal will be slightly accretive to earnings upon closing. Noventis has been using our virtual card offering for many years. They’re an electronic payments network and optimize the payment delivery process through their patented, scalable technology. The purchase of Noventis is an important element in expanding WEX’s corporate payments business. It complements our current offerings with new payment delivery capabilities that enhance AP payments and provide seamless delivery of electronic payments. This acquisition will expand WEX’s reach as a corporate payment supplier and provide more channels to billing aggregators and financial institutions. The combined offering will provide a path to additional payment functionality and increased flexibility for Noventis’ customers. We’ll begin the process of integrating Noventis’ technology into our overall corporate payments offering upon closing. We expect the transaction to close in Q1 of next year. Overall, I’m very pleased with our performance in the third quarter highlighted by continued growth across our business and solid execution against our strategic objectives. I’m proud of the strong foundation we’ve built through our investments over the past few years that will support sustained, long-term growth. If we continue to leverage our core competencies in a dynamic marketplace and diversify our business, WEX is positioned well for a long runway of future growth and value creation. Building off of an impressive first nine months of the year, we expect the momentum to continue into the fourth quarter and we look to a strong close to 2018. Roberto? Roberto Simon Good morning, everyone, and thank you, Melissa. As you've heard, we continued to post great financial results this quarter. The strong performance was driven by double-digit top line growth from both the Fleet and Travel and Corporate Solutions segments. Additionally, the U.S. healthcare business also performed better than expected with solid revenue growth. From an earnings point of view, we continued to benefit from macroeconomic trends, a lower tax rate and lower credit losses in the fleet segment both in dollars and basis points. Overall, we are pleased with the third quarter performance with both top and bottom line results exceeding projections. Now, let’s take a look at our results on Slide 8. Total revenue for the third quarter was 382.7 million, an 18% increase over prior year. Non-GAAP adjusted net income was 95.4 million or $2.19 per diluted share. This is an increase of 53% when compared to the same period last year. As Melissa just mentioned, Slide 9 shows our strong overall revenue performance broken down by segments. As in Q1 and Q2 this year, Travel and Corporate Solutions led the growth and continues to beat expectations by posting 36% revenue growth and 11% volume increase. The Fleet segment also had double-digit revenue growth and 7% payment processing transaction growth, building on that momentum we saw in the first half of the year. And finally, the U.S. Healthcare business again had better results than anticipated with 13% growth year-over-year. Before I get into segment results, let’s move quickly onto Slide 10 to highlight the impacts of the new revenue recognition standard. This accounting guidance does not change earnings and reclassified some rebates and network fees. The revenue impact of these changes is an increase of 10.4 million which you can see broken down by each of the segments. Now, let’s get into segment results on Slide 11. The Fleet Solutions segment achieved 249.6 million in revenue, an increase of 18% when compared to the prior year. Payment processing revenue and finance fee revenue were up 29% and 27%, respectively. Breaking down the Fleet segment, we are proud to report that we continued to experience strong double-digit revenue growth across over-the-road, North American fleet and the Asian business with growth rates of 21%, 20% and 22%, respectively, excluding FX. The U.S. businesses benefitted from higher fuel prices and the new accounting guidance on revenue recognition I mentioned before. Similar to last quarter, we continued to see positive trends, including solid organic transaction growth of 7%, low attrition rates and marginally positive same-store sales. The third quarter net interchange rate was 119 basis points, which is up 2 basis points from Q3 last year. The rate was positively impacted by continued revenue recognition changes and negatively affected by higher fuel prices in the U.S. The spreads in the European operations have almost no impact. The average domestic fuel price in Q3 was $3.06 versus $2.51 in 2017. We had 17.8 million of additional revenue over last year and approximately 5 million when compared to guidance due to higher fuel prices. Finally, finance fee revenue beat guidance by approximately 2 million. Turning to our Travel and Corporate Solutions segment on Slide 12. We continued to see excellent performance building on that momentum from the year’s first half. Total revenue for the quarter increased 36% to 82.8 million due primarily to volume growth and continued benefits from the AOC acquisition. Purchase volume issued by WEX reached 9.6 billion. This is 11% organic growth year-over-year and excludes AOC customers. We continued to see strong growth internationally in Australia, Asia and Brazil. In the U.S. market, the corporate payments business posted very strong growth of nearly 30%. AOC revenue for the quarter was 8.8 million which was in line with expectations. This is the final quarter where we will see a large impact in revenue growth from this acquisition which closed in October of last year. Finally, in the segment, the net interchange rate was 56 basis points, which was up 5 basis points from Q3 last year. This increase is primarily due to revenue recognition changes and other minor items. Moving onto Slide 13, for the Health and Employee Benefits Solutions segment, revenue for the quarter were relatively flat, down 1% compared to last year. Turning first to the U.S. business, revenue growth was 13% which was again better than anticipated. The average number of SaaS accounts was up 16% relative to 2017, reflecting a good enrollment season a year ago and lapping the Bank of America account win. We expect the solid year to the performance to carry into the fourth quarter and believe that the fundamentals are in place for a targeted high-teens growth trajectory over the long term. As we expected, business conditions in Brazil have been difficult. The major drivers of the performance were headwinds on foreign exchange rates and accounting impacts from a new securitization facility that we have to replace. On the positive side, volume year-to-date is growing. Let’s now move on to expenses on Slide 14. For the quarter, total cost of service expense was 144.1 million, up from 134.8 million in Q3 last year. And total SG&A, depreciation and amortization expenses were 137.9 million, which is up 12.4 million versus 2017. Breaking down the line items within these categories, processing costs increased 10.5 million, primarily due to the AOC acquisition and the ramping up costs for Shell and Chevron. Service fees were down 5.8 million compared to prior year, mainly due to the reclassification of network fees as part of the revenue recognition changes. Credit loss on a consolidated basis totaled 21.4 million. Q3 last year was 19.6 million. In the Fleet segment, credit loss was 14.2 basis points of spend volume, which is within our guidance range of 11 to 16 basis points and significantly better than the 23.5 basis points for the same period last year. Breaking this down and excluding fraud losses, regular credit loss was lower than Q3 2017 and in line with the first half of this year. Losses related to card skimming remain well under control thanks to the software investment we made. Also, we took two reserves in the quarter outside of the fleet credit loss. First, a 100% reserve for a single European travel customer for nonpayment; second, a reserve for nonrecurring losses related to our factoring business. However, we are working with the customers to evaluate any potential recovery. Operating interest expense was 10.3 million. This is in line with expectations and was up 2.7 million compared to 2017, due primarily to higher fuel prices and interest rates. As you recall, with higher fuel prices, operating debt levels increased as well. We continued to take steps to reduce the size of our assets including a new factoring line for certain account receivable balances. G&A expenses were essentially flat. This expense line includes an increase for the AOC acquisition, higher incentive compensation due to better than expected performance in the business, a reduction of our restructuring charge and lower amortization expense. Lastly, the sales and marketing line increased 13 million. The majority of the increase is due to revenue recognition changes. Putting these altogether, operating income margin on a non-GAAP basis was 39.2%, representing a 210 basis points increase from last year. Again, we were able to expand margins while continuing to invest in the business and deliver new products and services to the market. WEX maintains our position as market leader in each of the segments where we operate. Now for taxes on Slide 15. Following last year's Tax Act, on a GAAP basis, the effective tax rate was 24.7% compared to 35.4% for the third quarter of 2017. On an ANI basis, the tax rate was 24.3% for the quarter and 36% for Q3 last year. The year-to-date ANI tax rate is 25.5% which is what we expect the rate to be for the remainder of the year and as we look into 2019. The declining rate in this quarter is due to the mix of U.S. and foreign earnings and a refined interpretation of the new law. Looking now to the balance sheet on Slide 16. We ended the quarter with 533 million in cash, up from 508 million as compared to the cash position at the end of Q4 2017. On the corporate cash side, the cash balance increased by approximately 120 million in the quarter to 195 million. Additionally, the total available borrowing capacity on the line of credit stands at about 666 million giving us immediate access to more than 850 million in capital. At quarter end, we had a total balance of 2.2 billion on the revolving line of credit, term loans and notes. The leverage ratio, as defined in the credit agreement, stands at approximately 3.3x, down from 4.1x a year ago. We have been delevering as expected since the closing of the EFS transaction. The announced acquisition of Noventis will add approximately 0.4 turns to leverage upon closing which is expected in Q1 next year. In the quarter, as a result of our diligent monitoring of the debt markets, we successfully repriced our revolving line of credit and Term A loan in August. We increased the amount of our Term A loan by 25 million and the balance available on the revolver by 150 million. We also expanded the maturity to reset for another five years and significantly improved some of the covenants. This is the third time WEX has been in the debt markets in the past 20 months. We continued to see an unrealized gain on the interest rate hedges we placed on our debt. As of quarter end, the market value of these hedges stands at 34 million. At the end of the year, 250 million of interest rate swaps will expire. As of today, we have approximately 75% of the financing debt essentially at fixed interest rates, which mitigates our large part of the exposure to rising LIBOR rates. And finally, moving onto guidance on Slide 17. It has been a solid and positive performance for the first nine months of the year, and as we look into the last quarter of 2018 we continue to expect better results from the business and ongoing execution from recent acquisitions that will continue to drive margin acceleration. In addition, we will continue to benefit from favorable macroeconomic trends and a lower tax rate. For the fourth quarter, we expect to report revenue in the range of 370 million to 380 million and adjusted net income in the range of 89 million to 94 million. On an EPS basis, we expect adjusted net income to be between $2.05 and $2.15 per diluted share. This means that for the full year we are raising the guidance ranges for both revenue and adjusted net income. We expect revenue to be in the range of 1.478 billion to 1.488 billion and adjusted net income in the range of 354 million to 359 million. On an EPS basis, we expect ANI to be in the range of $8.13 to $8.23 per diluted share. Now, let me walk you through a few more assumptions. Exchange rates are based as of the end of September 2018. Domestic fuel prices will average $2.85 per gallon in the fourth quarter and $2.89 for the full year. The assumption for the U.S. fuel prices is based on the NYMEX future price from this week. The fleet credit loss will be between 12 and 17 basis points for the fourth quarter and 12 to 13 basis points for the full year. The adjusted net income tax rate is expected to be between 25% and 26% for the full year. And finally, we are assuming there are approximately 43.6 million shares outstanding. To conclude, we are proud with the performance year-to-date and the projected guidance range for the remainder of the year. And with that, I will turn the call over to Steve, before we open the line for questions. Steve Elder Thanks everybody for listening in on today's call. It's been another quarter of strong performance and we’re very excited to finish up the year with the same momentum we’ve had so far. Now, I'd like open the line and take your questions. Question-and-Answer Session Operator [Operator Instructions]. Your first question comes from the line of Sanjay Sakhrani. Your line is open. Sanjay Sakhrani Thanks. Good morning and good quarter. Melissa, could you talk about how significant those 800 million gallons of fuel additions next year from those new relationships will be to the bottom line? And I’m also just trying to think about whether or not there will be more leverage as we move forward from next year given there might be some costs related to that. Similar question on Noventis, if we think about the volume statistic you guys gave us, is that a fair assumption to make in terms of economic benefit? Would it be comparable to the existing business or would be any different? Thanks. Melissa Smith Sure. So related to your first question, and as I said earlier, we’re excited to be in this ramp up stage right now. So we’ve got these two really large contracts in the early or middle stages of implementation. And as we think about it, what you said is very right. In the beginning of implementation, you ramp up costs. We talked about doing that for Shell related to the back half of this year which we had included in our guidance last quarter and again this quarter. And so, there’s a period of time we’ve ramped costs and those costs include getting prepared to accept calls, getting prepared to accept the additional volume that can go through our operation centers and then sales and marketing as we make sure that we hit the ground running as we start –we talked about, started with sales but then we’ll start sales across the whole portfolio as we bring it over. So there is a period of time that we’re in right now where we’re ramping costs ahead of revenue. And then as we do the migration over, you start to see that flip and so that will flip over during the course of the first half of next year as we bring revenue in, the revenue will start to off some of those costs. And then by the second half of the year is when you start to move into what would be a more of a normal operating run rate. And then if you look historically, we have a history of being able to grow these portfolios. So once you start with the run rate that will happen in the second half of next year, you’ll see the full momentum of that in 2020 plus growth on the portfolio. So they become really compelling and it’s part of why we like this business as you bring on a big chunk of business and you have to work through the upfront costs and there’s a lot of work around the conversion. But economically they’re very strong in terms of just adding to the overall portfolio of the business over time. But I would not expect to see much contribution in the first half of next year. In fact, it will be a little bit of a cost in the first half of the year, and then you start to see the momentum start to swing through in the second half of the year. Related to Noventis, Noventis if you look at the business, it actually has a high margin profile and it’s slightly higher than the margin profile of our existing business, and that’s because it is highly scalable. When we look at the model, it’s – what they’re really trying to do is make sure that you’re moving payments on to digital rails, and they’re doing that through technology. That’s a series of robotics and optimization tools, and so it is highly scalable. And as a result, the margin profile is strong, and the growth profile to your point will come on or look similar and margin slightly better than what we have in our business right now, and then we believe that that’s something that we can deploy in the rest of the business. We think that that’s going to be a positive both in growth and in terms of margin over time. Sanjay Sakhrani Okay, great. And then follow-up questions for Roberto. Those credit loss impact that you talked about related to the OTA and the factoring business, is it fair to assume those are one-time? And maybe could you just explicitly quantify those in dollar terms. And then secondly, in Brazil on the finance fee revenue line, I know there were a lot of impacts there, but when we think about the run rate going forward of that line item, because it’s down a lot, could you just explain sort of how we should think about that going forward? Thanks. Roberto Simon Hi. Good morning. So let me take your questions one by one. On the credit loss side, we got those two – you could consider those as nonrecurring. In both sides, both on the OTA business internationally and on the factoring business, we have been growing really very, very well in the past two, three years. So, it’s normal that from time-to-time you get a one-time pop-up on the credit loss. Specifically to the OTA business, I mean great business expansion and great margins on that international side. We took the one-time reserve, 100% of the reserve, and we are today working with the customer to see what can be recovered. From a dollar point of view, we are talking around $2 million. If you flip to the factoring side, same story; great growth, the margin profile is really very, very high. We took a reserve on certain customers and we are working with all of them to see how much of the receivable balance that is overdue can be collected. So I think as we go into the next quarter, we will see more on the factoring side. And this is also approximately 2 million in credit loss. And then flipping to Brazil side, you have I would say three big factors impacting the quarter. Number one, obviously, the economic conditions in Brazil have been created a devaluation of the Brazilian real quarter-over-quarter of almost 20%. The second thing is that we put in place a new securitization facility. This securitization facility is done for two reasons. Number one to better improve our cash flow position in the country; and second, for some revenue recognition changes that were applied in the country. So obviously you have a one-time adjustment there. And finally, on the third side, obviously the business has been suffering in the past two to three quarters and therefore you have also some lack on the revenue side. And finally between – if you look at the other revenue, there is some geography change between finance fee and other revenue. As you look into the future, obviously, it will depend on how all of these variables operate. But we believe that in the second half of 2019, the Brazilian business should start ramping up on the growth side again. Melissa Smith Just to add a little bit on that. On Brazil, we are seeing volume growth and we’re talking specifically about the benefits segment which is it’s a really small part of the overall company. But what we ended up doing about a quarter ago, we liked the business, we really liked the growth trends we had been seeing. What we were concerned about was just renewal from customers. So we stepped back and looked at the product and said, what should we do to totally change the product to make sure that it had the same strength of recurring revenue as we were seeing in other parts of the company? And so we re-launched a product down there. And so that kind of crossover we’re seeing really great volume trends but a negative impact on revenue in that segment. And again that segment is a really small part of the company, that part of the segment in the Brazil business. So you’re going to see – I think what you’ll see over the next year is continued volume growth in that business and that will come through reflected in revenue as you lap the year. And then on top of that what Roberto was talking about is just FX weakness and some demand weakness we’re seeing just because of the economy. Sanjay Sakhrani Thank you. Operator Your next question comes from the line of Darrin Peller. Your line is open. Darrin Peller Hi, guys. Thanks. Nice job. Just to start o