Welcome to the Fiserv 2020 Fourth Quarter Earnings Conference Call. [Operator Instructions] At this time, I would now like to turn the conference over to Peter Poillon, Senior Vice President of Investor Relations at Pfizer. Peter Poillon -- Senior Vice President of Investor Relations Thank you, Ivy, and good afternoon, everyone. With me on the call today are Frank Bisignano, our President and Chief Executive Officer; and Bob Hau, our Chief Financial Officer. Our earnings release and supplemental materials for the quarter are available on the Investor Relations section of fiserv.com. Our remarks today will include forward-looking statements about, among other matters, the impact of the COVID-19 pandemic on our business, expected operating and financial results, strategic initiatives and expected benefits and synergies from the First Data acquisition. Forward-looking statements may differ materially from actual results and are subject to a number of risks and uncertainties. You should refer to our earnings release for a discussion of these risk factors.