Warren Kneeshaw | Head, IR |
Ajay Banga | CEO |
Michael Miebach | President |
Sachin Mehra | CFO |
Craig Maurer | Autonomous Research |
Lisa Ellis | MoffettNathanson |
Darrin Peller | Wolfe Research |
Bob Napoli | William Blair |
Jason Kupferberg | Bank of America |
Tien-tsin Huang | JP Morgan |
James Faucette | Morgan Stanley |
Bryan Keane | Deutsche Bank |
Chris Donat | Piper Sandler |
Sanjay Sakhrani | KBW |
Ramsey El-Assal | Barclays |
Ladies and gentlemen, thank you for standing by, and welcome to the Q3 2020 Mastercard Inc. Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. [Operator Instructions] I would now like to hand the conference over to your speaker today, Warren Kneeshaw, Head of Investor Relations.