Stephen Squeri | Chairman, Chief Executive Officer |
Jeffrey Campbell | Chief Financial Officer |
Vivian Zhou | Head of Investor Relations |
Sanjay Sakhrani | KBW |
Don Fandetti | Wells Fargo |
Mark DeVries | Barclays |
Rick Shane | JPMorgan |
Bill Carcache | Nomura |
Bob Napoli | William Blair |
Moshe Orenbuch | Credit Suisse |
Betsy Graseck | Morgan Stanley |
Eric Wasserstrom | UBS |
Ryan Nash | Goldman Sachs |
Craig Maurer | Autonomous |
Ladies and gentlemen, thank you for standing by. Welcome to the American Express, Q1 2020 Earnings Call. At this time all participants are in a listen-only mode. Later we will conduct a question-and-answer session. [Operator Instructions].