Mike Milotich | SVP, IR |
Al Kelly | Vice Chairman and CEO |
Vasant Prabhu | Vice Chairman and CFO |
Dan Dolev | Mizuho |
Bob Napoli | William Blair |
Bryan Keane | Deutsche Bank |
Sanjay Sakhrani | KBW |
Ramsey El-Assal | Barclays |
Lisa Ellis | MoffettNathanson |
Dan Perlin | RBC Capital Markets |
Tien-Tsin Huang | JPMorgan |
Jason Kupferberg for | Bank of America |
Darrin Peller | Wolfe Research |
Welcome to Visa's Fiscal Fourth Quarter and Full Year's 2020 Earnings Conference Call. [Operator Instructions] 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. Mike Milotich, Senior Vice President of Investor Relations.