Jeff Norris | SVP, Finance |
Richard Fairbank | Chairman and CEO |
Scott Blackley | CFO |
Sanjay Sakhrani | KBW |
Moshe Orenbuch | Credit Suisse |
Betsy Graseck | Morgan Stanley |
Eric Wasserstrom | UBS |
Don Fandetti | Wells Fargo |
Rick Shane | JP Morgan |
Kevin Barker | Piper Jaffrey |
Brian Hogan | William Blair |
Brian Foran | Autonomous |
Chris Donat | Sandler O’Neill |
Welcome to the Capital One Third 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.