Jeff Norris | Senior Vice President, Finance |
Richard Fairbank | Chairman and Chief Executive Officer |
Scott Blackley | Chief Financial Officer |
Ryan Nash | Goldman Sachs |
Sanjay Sakhrani | KBW |
Moshe Orenbuch | Credit Suisse |
Betsy Graseck | Morgan Stanley |
Rick Shane | JPMorgan |
Don Fandetti | Wells Fargo |
John Hecht | Jefferies |
Brian Hogan | William Blair |
Eric Wasserstrom | UBS |
Welcome to the Capital One Fourth Quarter 2019 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. This conference is being recorded.