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Operator Ladies and gentlemen, thank you for standing by, and welcome to the Cardlytics fourth-quarter 2020 earnings conference call. [Operator instructions] I would now like to hand the conference over to Kirk Somers, chief legal and privacy officer. Please go ahead. Kirk Somers Chief Legal and Privacy Officer Good morning, and welcome to Cardlytics fourth-quarter and full-year 2020 financial results call. Before we begin, let me remind everyone that today s discussion will contain forward-looking statements based on our current assumptions, expectations, and beliefs, including expectations about future financial performance or results; our financial guidance for the first quarter in the year 2021; our ability to achieve our key long-term priorities; the launch of U.S. Bank; growth in FI MAUs or monthly active users; the increase in our connectivity to our MAUs; the return to year-over-year growth; the launch of our new user experience; the increase in ARPU or average revenu

Lynne laubeYoussef squaliYoussef squali truistChris shutlerChris shutler william blairKirk somersSandy christiansenWilliam blairExchange commissionCardlytics incDosh holdings incUs bankWells fargoDosh holdingsRisk factorsExecutive officer