American Express Company

Welcome to the American Express Q3 2026 Earnings Call.

At this time, all participants are on a listen-only mode until we conduct a question and answer session later on. As a reminder, today's call is being recorded. I will now turn the call over to Kartik Ramachandran, Head of Investor Relations.

Thank you, Donna, and thank you all for joining today's call. Today's question contains forward-looking details about the companies' future business and financial performance. These are based on management current expectations and are subject to risks and uncertainties. Factors that could cause actual results or differ materially from the statements are included in today's presentation slides and in our report on file with the SEC. Today's discussion also contains non-GAAP financial measures. Comparable GAAP financial measures are included in this quarter's earnings materials as well as the prior period earnings materials discussed today. All of these are posted on our website at ir.americanexpress.com. We'll begin today with Steve Squeri, Chairman and CEO, followed by Christophe Le Caillec, Chief Financial Officer. After their remarks, we'll move to Q&A. With that, I'll turn it over to Steve.