Jeff Norris | Senior Vice President of Finance |
Andrew Young | Chief Financial Officer |
Richard Fairbank | Chairman & Chief Executive Officer |
John Pancari | Evercore ISI |
Moshe Orenbuch | Credit Suisse |
Kevin Barker | Piper Sandler |
Rick Shane | JPMorgan |
Betsy Graseck | Morgan Stanley |
Don Fandetti | Wells Fargo |
Sanjay Sakhrani | KBW |
Ryan Nash | Goldman Sachs |
Bill Carcache | Wolfe Research |
Bob Napoli | William Blair |
Good day, ladies and gentlemen and welcome to the Capital One Second Quarter 2021 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 conference over to Mr.