Capital One Financial (COF) Q1 2012 Earnings Call April 19, 2012 5:00 pm ET Executives Jeff Norris - Gary L. Perlin - Chief Financial Officer Richard D. Fairbank - Founder, Executive Chairman, Chief Executive Officer and President Analysts David S. Hochstim - The Buckingham Research Group Incorporated Sanjay Sakhrani - Keefe, Bruyette, & Woods, Inc., Research Division John W. Stilmar - SunTrust Robinson Humphrey, Inc., Research Division Christopher Brendler - Stifel, Nicolaus & Co., Inc., Research Division Brian Foran - Nomura Securities Co. Ltd., Research Division Craig J. Maurer - Credit Agricole Securities (USA) Inc., Research Division Donald Fandetti - Citigroup Inc, Research Division Moshe Orenbuch - Crédit Suisse AG, Research Division Ryan M. Nash - Goldman Sachs Group Inc., Research Division Daniel Furtado - Jefferies & Company, Inc., Research Division Betsy Graseck - Morgan Stanley, Research Division PresentationOperator
Good evening, everyone, and welcome to the Capital One First Quarter 2012 Earnings Conference Call. [Operator Instructions] I would now like to turn the call over to Mr. Jeff Norris, Managing Vice President of Investor Relations. Sir, you may begin. Jeff Norris Thanks very much, Lynette. Welcome, everyone, to Capital One's First Quarter 2012 Earnings Conference Call. As usual, we are webcasting live over the Internet. To access the call on the Internet, please log on to Capital One's website at capitalone.com and follow the links from there. In addition to the press release and financials, we've included a presentation summarizing our first quarter 2012 results. With me today are Mr. Richard Fairbank, Capital One's Chairman and Chief Executive Officer; and Mr. Gary Perlin, Capital One's Chief Financial Officer. Rich and Gary will walk you through this presentation.