Jen Thompson | Director, Investor Relations |
Andy Cecere | Chairman, President & Chief Executive Officer |
Terry Dolan | Vice Chairman & Chief Financial Officer |
John McDonald | Autonomous Research |
Betsy Graseck | Morgan Stanley |
Ken Usdin | Jefferies |
Mike Mayo | Wells Fargo Securities |
Scott Siefers | Sandler O'Neill |
Erika Najarian | Bank of America. |
Vivek Juneja | JPMorgan |
Matt O'Connor | Deutsche Bank |
Saul Martinez | UBS |
Gerard Cassidy | RBC |
Welcome to U.S. Bancorp’s Third Quarter 2019 Earnings Conference Call.
Following a review of the results by Andy Cecere, Chairman, President and Chief Executive Officer, and Terry Dolan, U.S. Bancorp’s Vice Chairman and Chief Financial Officer, there will be a formal question-and-answer session. [Operator Instructions]