Steve Squeri | Chairman and CEO |
Jeff Campbell | EVP and CFO |
Edmund Reese | IR |
Don Fandetti | Wells Fargo |
Sanjay Sakhrani | Keefe, Bruyette & Woods |
Ken Bruce | Bank of America Merrill Lynch |
Chris Donat | Sandler O’Neill |
Mark DeVries | Barclays Capital |
Moshe Orenbuch | Credit Suisse |
Craig Maurer | Autonomous Research |
John Hecht | Jefferies |
David Togut | Evercore ISI |
Brian Hogan | William Blair |
Betsy Graseck | Morgan Stanley |
Eric Wasserstrom | UBS |
Chris Brendler | Buckingham Research |
Bill Carcache | Nomura |
Dominick Gabriele | Oppenheimer |
Ladies and gentlemen, thank you for standing by. Welcome to the American Express Fourth Quarter 2018 Earnings Call. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session. [Operator Instructions].