 Capital One Financial Corporation NYSE:COF.PK Q2 2022 Earnings Conference Call July 21, 2022 5:00 PM ET Company Participants Danielle Dietz - Managing Vice President, Global Finance Andrew Young - Chief Financial Officer Richard Fairbank - Chairman Chief Executive Officer Conference Call Participants Ryan Nash - Goldman Sachs Kevin Barker - Piper Sandler Bill Carcache - Wolfe Research Rick Shane - JPMorgan Sanjay Sakhrani - KBW Don Fandetti - Wells Fargo Moshe Orenbuch - Credit Suisse Arren Cyganovich - Citi Betsy Graseck - Morgan Stanley Dominick Gabriele - Oppenheimer Operator Good day, everyone, and welcome to the Capital One Second Quarter 2022 Earnings Conference Call. All lines have been placed on mute to prevent any background noise. 