Whenever I ask customers what they look for in choosing a business partner, the answer has little to do with size and much to do with value. At MasterCard, we deliver that value through our people. It's about the knowledge and insights we bring to the table, our unique and powerful consulting capabilities and our dedicated account teams delivering customized solutions — all of this together.

Our success is driven by the roles we play at The Heart of Commerce™ — as visionaries, advisors, partners, advocates, ambassadors, trailblazers and, above all, as catalysts for change and growth. With the world accelerating toward electronic payments, our employees deliver more value than ever: driving sales and efficiencies for merchants, convenience and satisfaction for consumers, better control and compliance for businesses and, of course, growth opportunities for our customer financial institutions. Clearly, our employees drove our performance in 2007.