Jeff Norris | Senior Vice President of Global Finance |
Richard Fairbank | Chairman and Chief Executive Officer |
Scott Blackley | Chief Financial Officer |
Moshe Orenbuch | Credit Suisse |
Sanjay Sakhrani | Keefe Bruyette & Woods Inc. |
Donald Fandetti | Wells Fargo Securities, LLC |
Richard Shane | JP Morgan Chase & Co. |
Ryan Nash | Goldman Sachs & Company, Inc. |
Betsy Graseck | Morgan Stanley |
Eric Wasserstrom | UBS Investment Bank |
Kenneth Bruce | Bank of America Merrill Lynch |
Chris Brendler | Buckingham Research Group |
Welcome to the Capital One Q1 2018 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.