Al Kelly | Chairman and Chief Executive Officer |
Vasant Prabhu | Vice Chairman and Chief Financial Officer |
Jennifer Como | Investor Relations |
Mike Milotich | Investor Relations |
Lisa Ellis | MoffettNathanson |
David Koning | Baird |
James Faucette | Morgan Stanley |
Sanjay Sakhrani | KBW |
Harshita Rawat | Bernstein |
Darrin Peller | Wolfe Research |
Bryan Keane | Deutsche Bank |
Trevor Williams | Jefferies |
Tien-Tsin Huang | JPMorgan |
Timothy Chiodo | Credit Suisse |
Ashwin Shirvaikar | Citi |
Welcome to Visa's Fiscal Fourth Quarter and Full Year 2021 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 from Investor Relations, Ms.