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Operator Ladies and gentlemen, thank you for standing by. Welcome to the American Express Q1 2023 Earnings Call. At this time all participants are in a listen-only mode.

United statesSanjay sakhraniKerri bernsteinJeff campbellSteve squeriInternational card servicesAmerican express companyCall transcript aprilExpress companyInvestor relationsKerri bernstein thankChief financial officerJeff withSteve squeri thanksCard servicesGold business platinum