Welcome to the American Express Q4 2024 earnings call. At this time, all participants are in a listen-only mode. Later, we ...

Ladies and gentlemen, thank you for standing by. My name is Abby and I'll be your conference operator today. (Operator Instructions) Thank you. And I would now like to turn the conference over to ...

Welcome to the Capital One Q4 2024 earnings call. Please be advised that today's conference is being recorded. After the ...