Jeff Norris | Senior Vice President, Global Finance |
Rich Fairbank | Chairman and Chief Executive Officer |
Scott Blackley | Chief Financial Officer |
Don Fandetti | Wells Fargo |
Sanjay Sakhrani | KBW |
Ryan Nash | Goldman Sachs |
Bill Carcache | Nomura |
Eric Wasserstrom | UBS |
Moshe Orenbuch | Credit Suisse |
Rich Shane | J. P. Morgan |
Betsy Graseck | Morgan Stanley |
Welcome to the Capital One Third Quarter 2018 Earnings Conference Call. All lines have been placed on mute to prevent any background noise. After the speakers' remarks, there will be a question-and-answer period. [Operator Instructions] Thank you. I would now like to turn the call over to Mr.