Vivian Zhou | Head of Investor Relations |
Stephen Squeri | Chairman and Chief Executive Officer |
Jeff Campbell | Vice Chairman and Chief Financial Officer |
Ryan Nash | Goldman Sachs |
Betsy Graseck | Morgan Stanley |
Mihir Bhatia | Bank of America Merrill Lynch |
Bill Carcache | Wolfe Research |
Chris Donat | Piper Sandler |
Moshe Orenbuch | Credit Suisse |
Bob Napoli | William Blair |
Arren Cyganovich | Citi |
Rick Shane | JPMorgan |
Mark DeVries | Barclays |
Lisa Ellis | MoffettNathanson |
Don Fandetti | Wells Fargo |
Sanjay Sakhrani | KBW |
Ladies and gentlemen, thank you for standing by. Welcome to the American Express Q4 2021 Earnings Call. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session. [Operator Instructions].