Warren Kneeshaw | Head, IR |
Michael Miebach | CEO |
Sachin Mehra | CFO |
Craig Maurer | Autonomous Research |
Ramsey El-Assal | Barclays |
Tien-tsin Huang | J.P. Morgan |
Dan Dolev | Mizuho |
Jason Kupferberg | Bank of America |
Darrin Peller | Wolfe Research |
Lisa Ellis | MoffettNathanson |
Timothy Chiodo | Credit Suisse |
Don Fandetti | Wells Fargo |
Ladies and gentlemen, thank you for standing by, and welcome to the Mastercard Q4 and Full Year 2020 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] As a reminder, this call is being recorded. [Operator Instructions] I would now like to hand the conference over to your speaker today, Warren Kneeshaw, Head of Investor Relations.