Jeff Norris | SVP of Global Finance |
Richard Fairbank | Chairman and Chief Executive Officer |
Scott Blackley | Chief Financial Officer |
Ryan Nash | Goldman Sachs |
Sanjay Sakhrani | KBW |
Don Fandetti | Wells Fargo |
Betsy Graseck | Morgan Stanley |
Chris Brendler | Buckingham |
Rick Shane | JPMorgan |
Bill Carcache | Nomura Instinet |
Ashish Sabadra | Deutsche Bank |
Chris Donat | Sandler O'Neill |
Moshe Orenbuch | Credit Suisse |
John Pancari | Evercore |
Ken Bruce | Bank of America |
Welcome to the Capital One Q4 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. [Operator Instructions] Thank you. I would now like to turn the call over to Mr.