Jeff Norris | Senior Vice President of Finance |
Richard Fairbank | Chairman and Chief Executive Officer |
Andrew Young | Chief Financial Officer |
John Pancari | Evercore ISI |
Ryan Nash | Goldman Sachs |
Sanjay Sakhrani | KBW |
Don Fandetti | Wells Fargo |
Rick Shane | JPMorgan |
Moshe Orenbuch | Credit Suisse |
Bill Carcache | Wolfe Research |
Betsy Graseck | Morgan Stanley |
John Hecht | Jefferies |
Good day, ladies and gentlemen. Welcome to the Capital One First Quarter 2021 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.