Jeff Norris | Senior Vice President, Global Finance |
Rich Fairbank | Chairman and Chief Executive Officer |
Scott Blackley | Chief Financial Officer |
Don Fandetti | Wells Fargo |
Eric Wasserstrom | UBS |
Ken Bruce | Bank of America Merrill Lynch |
Betsy Graseck | Morgan Stanley |
Sanjay Sakhrani | KBW |
Moshe Orenbuch | Credit Suisse |
Chris Brendler | Buckingham Research Group |
Rich Shane | JP Morgan |
Bill Carcache | Nomura |
John Hecht | Jefferies |
John Pancari | Evercore |
Welcome to the Capital One Fourth 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.