Ricardo Dutra | Executive Officer |
Artur Schunk | Chief Financial and Investor Relations Officer and Chief Accounting Officer |
André Cazotto | Head, Investor Relations |
Jeff Cantwell | Guggenheim Securities |
Jorge Kuri | Morgan Stanley |
Rayna Kumar | Evercore |
Craig Maurer | Autonomous Research |
Mario Pierry | Bank of America |
Bryan Keane | Deutsche Bank |
John Coffey | Susquehanna |
Victor Schabbel | Bradesco BBI |
Tito Labarta | Goldman Sachs |
Hello, everyone, and thank you for waiting. Welcome to PagSeguro PagBank's Fourth Quarter 2020 Results Conference Call. This event is being recorded and all participants will be in a listen-only mode during the company's presentation. After PagSeguro PagBank's remarks, there will be a question-and-answer session. [Operator Instructions].