Brighterion, a Mastercard company, was founded in 2000 and acquired by Mastercard in 2017. Building on our experience in preventing financial crime, Brighterion was engaged by Mastercard in 2006 to deploy our AI-based fraud solution for payments amongst its issuing banks. Mastercard integrated that technology across its Decision Intelligence platform in 2016. Today, Brighterion provides real-time artificial intelligence technology to 74/100 of the largest U.S. banks and more than 2,000 companies worldwide. This ability to implement AI internationally on an unprecedented scale is due to our distributed architecture and patented, self-learning technology. Our AI and machine learning secures more than 100 billion transactions annually to help leading organizations manage the credit risk lifecycle and predict delinquency, prevent payments and acquirer fraud, detect healthcare fraud, waste and abuse, and more. Our AI solutions are built on a strategic, five pillar foundation that prioritizes ethics and inclusivity as much as growth and efficiency. Each pillar of Brighterion and Mastercard AI is thoughtfully crafted to uphold a level of integrity when implementing AI at scale. Our longtime experience in strategic implementation of AI and building trust has led to our five pillars of AI. Brighterion has been granted several patents, including our unique Smart Agent technology with self-learning processes. The company has received multiple awards including the 2021 Business Transformation 150, 2020 Fortress Cyber Security Award for Threat Detection, an Emerging Payments Award and an Innovation World Series Award. Brighterion was designated a 2017 Cool Vendor by Gartner, Inc.