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Capital One Financial (COF) Richard D. Fairbank on Q3 2015 Results - Earnings Call Transcript


Welcome to the Capital One Third Quarter 2015 Earnings Conference Call. Today's call is being recorded. All lines have been placed on mute to prevent any background noise. After the speakers' remarks, there will be a question-and-answer period. Thank you.

I would now like to turn the call over to Mr. Jeff Norris, Senior Vice President of Global Finance. Sir, you may begin.

Jeff Norris - Investor Relations

Thanks very much, Lauren, and welcome, everybody to Capital One's third quarter 2015 earnings conference call. As usual, we are webcasting live over the Internet. To access the call on the Internet, you can log on to Capital One's website at and follow the links from there.

In addition to the press release and financials, we've included a presentation summarizing our third quarter 2015 results. With me this evening are Mr. Rich Fairbank, Capital One's Chairman and Chief Executive Officer; and Mr. Steve Crawford, Capital One's Chief Financial Officer. Rich and Steve are going to walk you through this presentation. To access a copy of the presentation and press release, please go to Capital One's website, click on Investors, and then click on...