Operator Good day, ladies and gentlemen, and welcome to the NCR Corporation fourth-quarter fiscal year 2020 earnings conference call. Today's call is being recorded. And at this time, I would like to turn things over to Mr. Michael Nelson, vice president of investor relations. Please go ahead. Vice President of Investor Relations Good afternoon and thank you for joining our fourth-quarter and full-year 2020 earnings call. Joining me on the call today are Mike Hayford, president and CEO; Owen Sullivan, COO; and Tim Oliver, CFO. Before we get started, let me remind you that our presentation and discussions will include forward-looking statements. These statements reflect our current expectations and beliefs, but they're subject to risks and uncertainties that could cause actual results to differ materially from those expectations.