Jeff Norris | Capital One Financial Corp. |
R. Scott Blackley | Capital One Financial Corp. |
Richard D. Fairbank | Capital One Financial Corp. |
Sanjay Sakhrani | Keefe, Bruyette & Woods, Inc. |
Ryan M. Nash | Goldman Sachs & Co. |
Donald Fandetti | Wells Fargo Securities LLC |
Richard B. Shane | JPMorgan Securities LLC |
Christopher Roy Donat | Sandler O'Neill & Partners LP |
Christopher Brendler | The Buckingham Research Group, Inc. |
Bill Carcache | Nomura Securities |
Moshe Ari Orenbuch | Credit Suisse Securities (NYSE:USA) LLC |
Elizabeth Lynn Graseck | Morgan Stanley & Co. LLC |
Welcome to the Capital One Q3 2017 earnings conference call. All lines have been placed on mute to prevent any background noise. After the speakers' remarks, there will be a question-and-answer period.
As a reminder, please limit yourself to one question and one follow-up. Thank you.