Vivian Zhou | Head-Investor Relations |
Steve Squeri | Chairman and Chief Executive Officer |
Jeff Campbell | Chief Financial Officer |
Sanjay Sakhrani | KBW |
Betsy Graseck | Morgan Stanley |
Mark DeVries | Barclays |
Rick Shane | JPMorgan |
Ryan Nash | Goldman Sachs |
Chris Donat | Piper Sandler |
Mihir Bhatia | Bank of America |
Lisa Ellis | MoffettNathanson |
Bob Napoli | William Blair |
Bill Carcache | Wolf Research |
Don Fandetti | Wells Fargo |
Craig Maurer | Autonomous Research |
Ladies and gentlemen, thank you for standing by. Welcome to the American Express Q4 2020 Earnings Call. [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. Vivian Zhou.