Jeff Norris | Senior Vice President of Global Finance |
Richard Fairbank | Chairman and Chief Executive Officer |
Scott Blackley | Chief Financial Officer |
Betsy Graseck | Morgan Stanley |
Ryan Nash | Goldman Sachs |
Rick Shane | J.P. Morgan |
Sanjay Sakhrani | KBW |
Don Fandetti | Wells Fargo |
Eric Wasserstrom | UBS |
Moshe Orenbuch | Credit Suisse |
John Hecht | Jefferies |
Bob Napoli | William Blair |
Welcome to the Capital One Second Quarter 2020 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]. Today's conference is being recorded. Thank you.