Stephen Squeri | executive |
Christophe Le Caillec | executive |
Donald Fandetti | analyst |
Ryan Nash | analyst |
Bill Carcache | analyst |
Jeffrey Adelson | analyst |
Richard Shane | analyst |
Moshe Orenbuch | analyst |
Sanjay Sakhrani | analyst |
Dominick Gabriele | analyst |
Craig Maurer | analyst |
Mihir Bhatia | analyst |
Ladies and gentlemen, thank you for standing by. Welcome to the American Express Q4 2023 Earnings Call. Later, we will conduct a question-and-answer session. [Operator Instructions] As a reminder, today's call is being recorded. I will now turn the conference over to our host, Head of Investor Relations, Mr. Kartik from Chandran.