Vivian Zhou | Head of Investor Relations |
Stephen Squeri | Chairman and Chief Executive Officer |
Jeffrey Campbell | Chief Financial Officer |
Don Fandetti | Wells Fargo |
Betsy Graseck | Morgan Stanley |
David Togut | Evercore ISI |
Bill Carcache | Wolfe Research |
Richard Shane | JP Morgan |
Robert Napoli | William Blair |
Jamie Friedman | Susquehanna |
Mark DeVries | Barclays |
Meng Jiao | Deutsche Bank |
Craig Maurer | Autonomous Research |
Sanjay Sakhrani | Keefe, Bruyette & Woods |
Ladies and gentlemen, thank you for standing by and welcome to the American Express, Q3 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] As a reminder, today’s call is being recorded. I would now like to turn the conference over to our host, Head of Investor Relations, Ms.