|Mike Milotich||SVP, IR|
|Al Kelly||Vice Chairman and CEO|
|Vasant Prabhu||Vice Chairman and CFO|
|Bob Napoli||William Blair|
|Bryan Keane||Deutsche Bank|
|Dan Perlin||RBC Capital Markets|
|Jason Kupferberg for||Bank of America|
|Darrin Peller||Wolfe Research|
Welcome to Visa's Fiscal Fourth Quarter and Full Year's 2020 Earnings Conference Call. [Operator Instructions] 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. Mike Milotich, Senior Vice President of Investor Relations.