Steve Squeri | Chairman and CEO |
Jeff Campbell | EVP and CFO |
Edmund Reese | Head, IR |
Bob Napoli | William Blair & Company |
Chris Brendler | Buckingham Research |
Sanjay Sakhrani | KBW |
Bill Carcache | Nomura Securities |
Ryan Nash | Goldman Sachs |
Eric Wasserstrom | UBS |
Mark DeVries | Barclays Capital |
Don Fandetti | Wells Fargo Securities |
Moshe Orenbuch | Credit Suisse |
Chris Donat | Sandler O'Neill |
Craig Maurer | Autonomous Research |
Okay, ladies and gentlemen, thank you for standing by and welcome to the American Express Q2 2018 Earnings Conference Call. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session. [Operator Instructions]. I'd now like to turn the conference over to our host, to Mr.