Mike Milotich | Senior Vice President of Investor Relations |
Al Kelly | Chairman, Chief Executive Officer |
Vasant Prabhu | Vice Chairman, Chief Financial Officer |
David Koning | Baird |
Harshita Rawat | Bernstein |
Ramsey El-Assal | Barclays Global |
Darrin Peller | Wolfe Research |
Dan Perlin | RBC Capital |
Tien-Tsin Huang | JPMorgan |
Moshe Katri | Wedbush |
Sanjay Sakhrani | KBW |
Lisa Ellis | MoffettNathanson |
Bob Napoli | William Blair |
Ashwin Shirvaikar | Citigroup |
Welcome to Visa's fiscal fourth quarter and full year 2019 earnings conference call. All participants are in a listen-only mode until the question-and-answer session. Today's conference is being recorded.
If you have any objections, you may disconnect at this time.
I would now like to turn the conference over to your host, Mr.