Jeff Norris | SVP, Global Finance |
Scott Blackley | CFO |
Richard Fairbank | Chairman and CEO |
Sanjay Sakhrani | KBW |
Don Fandetti | Wells Fargo |
Rick Shane | JPMorgan |
Eric Wasserstrom | UBS |
Moshe Orenbuch | Credit Suisse |
Ryan Nash | Goldman Sachs |
Kevin St. Pierre | KSP Research |
Betsy Graseck | Morgan Stanley |
John Hecht | Jefferies |
John Pancari | Evercore ISI |
Welcome to the Capital One Second 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.