|Al Kelly||Chairman and Chief Executive Officer|
|Vasant Prabhu||Vice Chairman and Chief Financial Officer|
|Jennifer Como||Investor Relations|
|Mike Milotich||Investor Relations|
|James Faucette||Morgan Stanley|
|Darrin Peller||Wolfe Research|
|Bryan Keane||Deutsche Bank|
|Timothy Chiodo||Credit Suisse|
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.