Jeff Norris | SVP of Global Finance |
Scott Blackley | CFO |
Richard Fairbank | Chairman and CEO |
Sanjay Sakhrani | KBW |
Betsy Graseck | Morgan Stanley |
Ryan Nash | Goldman Sachs |
Rick Shane | JPMorgan |
Bill Carcache | Wolf Research |
Don Fandetti | Wells Fargo |
Moshe Orenbuch | Credit Suisse |
Brian Foran | Autonomous |
Welcome to the Capital One Third Quarter 2020 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.