Mike Milotich | Senior Vice President of Investor Relations |
Al Kelly | Chairman & Chief Executive Officer |
Vasant Prabhu | Vice Chairman & Chief Financial Officer |
Lisa Ellis | MoffettNathanson |
Matt O'Neill | Goldman Sachs |
Darrin Peller | Wolfe Research |
James Friedman | Susquehanna |
Craig Maurer | Autonomous Research |
Tien-Tsin Huang | JPMorgan |
David Togut | Evercore |
Dave Koning | Baird |
Harshita Rawat | Bernstein |
Welcome to Visa's Fiscal Third Quarter 2020 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, Mr.