American Express Company ( NYSE: AXP ) Q2 2008 Earnings Call July 21, 2008 5:00 PM ET Executives Ron Stovall – Senior Vice President of Investor Relations Kenneth Chenault – Chairman and Chief Executive Officer Daniel T. Henry – Chief Financial Officer & Executive Vice President Analysts Meredith Whitney – Oppenheimer & Co. Christopher Brendler – Stifel Nicolaus & Co. Robert Napoli – Piper Jaffray David Hochstim – Bear Stearns Sanjay Sakhrani – Keefe, Bruyette & Woods Brad Ball – Citigroup [Unidentified Analyst] Mike Taiano – Sandler O'Neill & Partners L.P. Eric Wasserstrom – UBS Moshe Orenbuch – Credit Suisse Scott Valentin – Friedman, Billings, Ramsey & Co. Operator Welcome to the American Express 2008 second quarter earnings conference call.