Jeff Norris | Senior Vice President, Global Finance |
Rich Fairbank | Chairman and Chief Executive Officer |
Scott Blackley | Chief Financial Officer |
Rick Shane | JPMorgan |
Sanjay Sakhrani | KBW |
Bill Carcache | Wolf Research |
John Hecht | Jefferies |
Don Fandetti | Wells Fargo |
Ryan Nash | Goldman Sachs |
Moshe Orenbuch | Credit Suisse |
Betsy Graseck | Morgan Stanley |
Bob Napoli | William Blair |
Good day, ladies and gentlemen. Welcome to the Capital One Fourth 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] Thank you.