Toby Willard | VP, IR |
Jeff Campbell | EVP and CFO |
Don Fandetti | Wells Fargo |
Ken Bruce | Bank of America/Merrill Lynch |
Betsy Graseck | Morgan Stanley |
Craig Maurer | Autonomous Research |
Bill Carcache | Nomura |
Sanjay Sakhrani | KBW |
Chris Donat | Sandler O’Neill |
Moshe Orenbuch | Credit Suisse |
Ryan Nash | Goldman Sachs |
Ashish Sabadra | Deutsche Bank |
Mark DeVries | Barclays |
Ladies and gentlemen, thank you for standing by and welcome to the American Express Fourth Quarter 2017 Earnings Call. At this time, all lines are in a listen-only mode. And later, we will conduct a question-and-answer session. [Operator Instructions] And as a reminder, today’s call is being recorded. I would now like to turn the conference over to our host, Vice President of Investor Relations Mr.