Rosie Perez | Head, IR |
Steve Squeri | Chairman and CEO |
Jeff Campbell | CFO |
Don Fandetti | Wells Fargo |
Mark DeVries | Barclays |
Betsy Graseck | Morgan Stanley |
Bob Napoli | William Blair |
Moshe Orenbuch | Credit Suisse |
Sanjay Sakhrani | KBW |
Jason Kupferberg | Bank of America |
Rick Shane | JP Morgan |
David Togut | Evercore ISI |
James Friedman | Susquehanna |
Chris Donat | Piper Sandler |
Craig Maurer | Autonomous Research |
Ladies and gentlemen, thank you for standing by. Welcome to the American Express Q4 2019 Earnings Call. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session. Please note that the instructions for entering the queue have changed.