Stephen Squeri | Chairman and CEO |
Vivian Zhou | Head of Investor Relations |
Jeffrey Campbell | Chief Financial Officer |
Ryan Nash | Goldman Sachs |
Betsy Graseck | Morgan Stanley |
Mihir Bathia | Bank of America |
Robert Napoli | William Blair |
Eran | Citi |
Richard Shane | JPMorgan |
Dominick Gabriele | Oppenheimer |
Lisa Ellis | MoffettNathanson |
Min Zhao | Deutsche Bank |
Mark DeVries | Barclays |
Sanjay Sakhrani | KBW |
Donald Fandetti | Wells Fargo |
And ladies and gentlemen, thank you for standing by. Welcome to the American Express Q3 2021 earnings call. At this time, all participants are in listen-only mode. Later we will conduct a question-and-answer session. [Operator instructions] As a reminder, today's call is being recorded.