Jeff Norris | Senior Vice President of Global Finance |
Richard Fairbank | Chairman and Chief Executive Officer |
Scott Blackley | Chief Financial Officer |
Ken Bruce | Bank of America Merrill Lynch |
Moshe Orenbuch | Credit Suisse |
Ryan Nash | Goldman Sachs |
Sanjay Sakhrani | KBW |
Eric Wasserstrom | UBS |
Donald Fandetti | Wells Fargo |
Richard Shane | JP Morgan |
Robert Napoli | William Blair |
Steven Wharton | JP Morgan |
Betsy Graseck | Morgan Stanley |
Christopher Donat | Sandler O’Neil |
Chris Brendler | Buckingham Research |
Welcome to the Capital One Second Quarter 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.