American Express (AXP) Q1 2012 Earnings Call April 18, 2012 5:00 pm ET Executives Rick Petrino - Daniel T. Henry - Chief Financial officer, Executive Vice President and Member of Operating Committee Donald Fandetti - Research Analyst Kenneth Bruce - Research Analyst Analysts Brian Foran - Nomura Securities Co. Ltd., Research Division Donald Fandetti - Citigroup Inc, Research Division David S. Hochstim - The Buckingham Research Group Incorporated John W. Stilmar - SunTrust Robinson Humphrey, Inc., Research Division Bradley G. Ball - Evercore Partners Inc., Research Division Robert P. Napoli - William Blair & Company L.L.C., Research Division Craig J. Maurer - Credit Agricole Securities (USA) Inc., Research Division Sanjay Sakhrani - Keefe, Bruyette, & Woods, Inc., Research Division Richard B. Shane - JP Morgan Chase & Co, Research Division Mark C. DeVries - Barclays Capital, Research Division Kenneth Bruce - BofA Merrill Lynch, Research Division Moshe Orenbuch - Crédit Suisse AG, Research Division PresentationOperator
Ladies and gentlemen, thank you for standing by, and welcome to the American Express First Quarter 2012 Earnings Release. [Operator Instructions] As a reminder, today's call is being recorded. I will now like to turn the conference over to Rick Petrino. Please go ahead. Rick Petrino Thank you. Welcome, and thanks, everyone, for joining today's call. Before I turn it over to Dan Henry, I want to remind you that the discussion today contains certain forward-looking statements about the company's future financial performance and business prospects, which are subject to risks and uncertainties and speak only as of today. The words believe, expect, anticipate, estimate, optimistic, intend, plan, aim, will, should, could, likely and similar expressions are intended to identify forward-looking statements. Factors that could cause actual results to differ materially from those forward-looking statements, including the company's financial and other goals, are set forth within today's earnings press release and earnings supplement, which were filed in an 8-K report and in the company's 2010 10-K report already on file with the SEC.