Edmund Reese | IR |
Steve Squeri | Chairman and CEO |
Jeff Campbell | CFO |
Sanjay Sakhrani | KBW |
Don Fandetti | Wells Fargo |
Jill Shea | Citi |
Betsy Graseck | Morgan Stanley |
Anthony Cyganovich | Evercore ISI |
Bob Napoli | William Blair |
James Friedman | Susquehanna |
Moshe Orenbuch | Credit Suisse |
Rick Shane | JPMorgan |
Mark DeVries | Barclays |
Bill Carcache | Nomura |
Jeff Cantwell | Guggenheim Securities |
Chris Donat | Sandler O'Neill |
Ladies and gentlemen, thank you for standing by and welcome to the American Express Third Quarter 2018 Earnings Conference Call. At this time, all participants are in a listen-only mode. And later, we will conduct a question-and-answer session. [Operator Instructions] And I’ll now turn the meeting over to our host, Head of Investor Relations, Mr. Edmund Reese.