Toby Willard | Vice President, Investor Relations |
Kenneth Chenault | Chairman and Chief Executive Officer |
Stephen Squeri | Vice Chairman |
Jeff Campbell | Executive Vice President and Chief Financial Officer |
Sanjay Sakhrani | KBW |
Craig Mauer | Autonomous Research |
Ryan Nash | Goldman Sachs |
Betsy Graseck | Morgan Stanley |
Don Fandetti | Wells Fargo |
Mark DeVries | Barclays |
Chris Brendler | Buckingham |
Ken Bruce | Bank of America Merrill Lynch |
Moshe Orenbuch | Credit Suisse |
Rick Shane | JP Morgan |
Bob Napoli | William Blair |
David Togut | Evercore ISI |
Ladies and gentlemen, thank you for standing by and welcome to the American Express Third Quarter 2017 Earnings Call. At this time, all lines are in a listen-only mode. Later, there will be an opportunity for your questions and instructions will be given at that time. [Operator Instructions] And as a reminder, this conference is being recorded. I'll now turn the conference over to Toby Willard, the Vice President, Investor Relations.