Warren Kneeshaw | IR |
Ajay Banga | President & CEO |
Sachin Mehra | CFO |
Darrin Peller | Wolfe Research |
Tien-tsin Huang | JP Morgan |
Lisa Ellis | MoffettNathanson |
Harshita Rawat | Bernstein |
Ramsey El-Assal | Barclays |
Brett Huff | Stephens |
Christopher Donat | Sandler O'Neill |
Ashwin Shirvaikar | Citi |
Don Fandetti | Wells Fargo |
Robert Napoli | William Blair |
James Friedman | Susquehanna |
Craig Moore | Autonomous Research |
Ladies and gentlemen, thank you for standing by and welcome to Mastercard Incorporated's Third Quarter 2019 Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speakers presentation, there will be a question-and-answer session. [Operator Instructions]. I will now like to hand the conference over to your speaker today Warren Kneeshaw, Head of Investor Relations.