Ladies and gentlemen, thank you for standing by. My name is Elaine and I will be your conference operator for today. At this time, I would like to welcome everyone to Evertech second quarter 2026 earnings. I'd like to remind everyone that 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. If you would like to ask a question during this time, simply press star followed by the number one on your telephone keypad to raise your hand and enter the queue. If you would like to withdraw your question, please press star one again. Thank you. I will now turn the call over to Lili Arteaga. Please go ahead.

Thank you and good afternoon. With me today are Max Schuessler, our President and Chief Executive Officer, and Karla Cruz-Jusino, Chief Financial Officer. Before we begin, I would like to remind everyone that this call may contain forward-looking statements and should be considered in conjunction with cautionary statements contained in our earnings release and the company's most recent periodic SEC report. During today's call, management will provide certain information that will constitute non-GAAP financial measures under SEC rules, such as constant currency revenue, adjusted EBITDA, adjusted net income, and adjusted earnings per common share. Reconciliations to gap measures and certain additional information are also included in today's earnings release and related supplemental slides, which are available in the investor relations section of our company's website at www.evertecinc.com. I will now hand the call over to Mac.

Thanks, Lily, and good afternoon, everyone. Before we begin, I'd like to officially welcome Lily Arteaga to Evertec. For those of you who have not yet had the opportunity to connect with her, we're excited to have Lily leading our investor relations function and look forward to working with her as we continue to strengthen our engagement with investors and the analyst community. With that, let me turn to our second quarter performance. Our results reflect solid execution across the business and progress on a long-term strategy. Starting on slide four, our priorities remain clear and consistent. We continue to strengthen Evertech's position as a leading financial technology and transaction processing company across Latin America and the Caribbean through a balanced approach of organic growth, strategic acquisitions, and disciplined capital allocation. We remain focused on deepening client relationships, expanding our capabilities, and increasing our presence in attractive markets across the region. The momentum we are seeing across the business, together with strategic investments and actions we have taken over the past several years, reinforces our confidence in our ability to deliver sustainable growth and long-term value for our shareholders. Before turning to our quarterly performance, I would like to address the cybersecurity incident we disclosed in June. We responded immediately, activated our incident response protocols, engaging external cybersecurity experts, and working closely with affected clients and authorities. Based on our response efforts and findings to date, we believe our incident response procedures operated as intended. Importantly, the incident did not disrupt our operations or our ability to serve our clients. While our remediation measures are ongoing, we are focused on supporting those affected, strengthening our environment, and maintaining the security and resilience of the critical infrastructure we operate. With that, let me turn to our second quarter performance. I will begin on slide five with an update on organic growth, which continues to be an important driver of value creation. During the quarter, we announced a strategic agreement with TransBank, Chile's leading payment solutions provider and one of the largest acquirers in Latin America. Under this multi-year agreement, which has an initial term of at least five years, Evertech will operate Transbank's transactional processing environment and selected technology platforms and services. The engagement represents one of the most significant commercial wins in our history. Beyond the revenue opportunity, this agreement deepens our strategic relevance in one of Latin America's most important markets and creates a foundation for continued growth with a key client over time. It also demonstrates the strength of our technology capabilities and the success of the investments we have made to build a scaled, trusted payments and technology platform across the region. We are also building momentum in Mexico. Recently, we signed a contract with CLIP, one of Mexico's leading financial ecosystem providers, serving nearly 1 million merchants. This agreement presents an early milestone in our acquiring services business in the country and serves as a strong proof point of our ability to compete and win in Mexico, one of the region's most important payments markets. We are also continuing to leverage capabilities across our platform to expand into new customer segments and use cases in Puerto Rico. Earlier this year, we signed agreements with Metro Pistas, a toll road operator and subsidiary of Albertus Infrastructura, to support both card-present and card-not-present transactions. These relationships highlight our ability to bring together capabilities across the organization, including solutions acquired through prior strategic investments, such as place-to-pay. TransBank, CLIP, Metropistas and other recent wins demonstrate our ability to secure important organic growth opportunities and expand and fortify our presence across Latin America and the Caribbean. Turning to M&A, our approach remains disciplined and consistent. We continue to focus on businesses with scalable technology, strong market positions, recurring revenue streams, and opportunities to create value through integration, cross-selling, and expanded client relationships. Turning to slide six, during their quarter, we completed the acquisition of Dementia. Strategically, Dementia strengthens our software capabilities for financial institutions, expands our addressable market, and increases our relevance within the Brazilian financial services ecosystem. While the integration remains in its early stages, we are encouraged by the progress made since closing. Our teams are working closely together, and we remain focused on executing our integration plans, capturing commercial opportunities, and delivering value through expanded client relationships We believe Dementia can contribute meaningfully over time through an expanded product portfolio, increased scale, and broader customer reach. Turning now to slide 7, we also completed the acquisition of BBChain, a provider of blockchain infrastructure, tokenization, digital custody, and digital asset solutions for financial institutions in Brazil. BBT strategically expands our platform beyond traditional payments and banking technology into next-generation digital financial infrastructure. Beyond its financial contribution, although modest from a near-term revenue perspective, the acquisition broadens our ability to serve financial institutions across investment funds, fixed income lending, and digital assets, and reinforces our commitment to innovation and creates opportunities to extend these capabilities to clients across Latin America over time. Together, our recent acquisitions of Syncia, Technobank, Demensa, and BBChain represent an important step in our strategy to build a larger, more diversified financial technology platform. By expanding our portfolio and broadening the range of solutions we can deliver, these businesses enhance our ability to serve clients across multiple product areas while creating additional opportunities for growth over time. Before turning to our quarterly results, I would like to briefly touch on our AI initiatives on slide eight. Earlier this year, we introduced the governance framework and strategic approach that are guiding our adoption of AI across the organization. Since then, we have continued to advance those initiatives with a focus on three priorities, driving greater efficiency, fostering innovation, and further enhancing the service we deliver to our clients. We're deploying AI across a broad range of use cases, including accelerating software development, improving incident management and service quality, enhancing fraud detection and risk monitoring capabilities, and supporting the development of new client-facing solutions. They remain focused on operational efficiency and execution excellence. We also see longer-term opportunities to enhance existing solutions, expand capabilities and develop new offerings that create additional value for our clients. We believe AI will become an increasingly important enabler of how we operate, innovate and serve our clients. Over time, we expect these capabilities to create opportunities to enhance both revenue growth and profitability. As these initiatives continue to mature, we expect to gain greater visibility into their impact and anticipate starting to incorporate these benefits into our financial outlook starting in 2027. Now turning to slide nine, I'll cover key highlights from our second quarter results. Revenue for the quarter was approximately $275 million, an increase of 20% compared to the prior year. Growth was driven by continued organic performance, contributions from recent acquisitions, Thank you for watching. While continuing to return capital to shareholders for our quarterly dividends and share repurchase program. During the quarter, we repurchased approximately 2 million shares for a total of $47 million and paid $3 million in dividends. At quarter end, approximately $83 million remained under our share repurchase authorization, and last week, the board replenished this authorization to $150 million. Our liquidity remains strong at approximately $420 million at quarter end, providing financial flexibility to invest and growth. support ongoing integration activities and allocate capital toward the opportunities we believe will generate highest long-term returns for shareholders.