 Capital One Financial Corporation NYSE:COF.PK Q3 2022 Earnings Conference Call October 27, 2022 5:00 PM ET Company Participants Jeff Norris Senior Vice President-Finance Richard Fairbank Chairman and Chief Executive Officer Andrew Young Chief Financial Officer Conference Call Participants Kevin Barker Piper Sandler Ryan Nash Goldman Sachs Betsy Graseck Morgan Stanley Sanjay Sakhrani KBW Moshe Orenbuch Credit Suisse Arren Cyganovich Citi Don Fandetti Wells Fargo Rick Shane JPMorgan Bill Carcache Wolfe Research Mihir Bhatia Bank of America Dominick Gabriele Oppenheimer Operator Good day, and thank you for standing by. Welcome to the Third Quarter 2022 Capital One Financial Earnings Conference Call. 