 American Express Company NYSE:AXP Q3 2022 Earnings Conference Call October 21, 2022 8:30 AM ET Company Participants Kerri Bernstein - Head, Investor Relations Steve Squeri - Chairman Chief Executive Officer Jeff Campbell - Chief Financial Officer Conference Call Participants Ryan Nash - Goldman Sachs Sanjay Sakhrani - KBW Mark DeVries - Barclays Betsy Graseck - Morgan Stanley Bob Napoli - William Blair Rick Shane - JPMorgan Dominick Gabriele - Oppenheimer Moshe Orenbuch - Credit Suisse Don Fandetti - Wells Fargo Bill Carcache - Wolfe Research Lisa Ellis - MoffettNathanson Mihir Bhatia - Bank of America Operator Ladies and gentlemen, thank you for standing by. Welcome to the American Express Q3 2022 Earnings Call. 