Jeff Norris | Senior Vice President, Global Finance |
Richard Fairbank | Chairman and Chief Executive Officer |
Scott Blackley | Chief Financial Officer |
Eric Wasserstrom | UBS |
Sanjay Sakhrani | KBW |
Don Fandetti | Wells Fargo |
Ryan Nash | Goldman Sachs |
Chris Brendler | Buckingham |
Rick Shane | JP Morgan |
Betsy Graseck | Morgan Stanley |
Kevin Barker | Piper Jaffray |
Moshe Orenbuch | Credit Suisse |
Chris Donet | Sandler O' Neil |
Welcome to the Capital One First Quarter 2019 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.