Brian Vereb | Head, IR |
Ralph Andretta | CEO, President & Director |
Perry Beberman | EVP & CFO |
Robert Napoli | William Blair |
Sanjay Sakhrani | KBW |
Bill Carcache | Wolfe Research |
Jeff Adelson | Morgan Stanley |
Mihir Bhatia | Bank of America |
Reggie Smith | JPMorgan |
John Pancari | Evercore |
Dominick Gabriele | Oppenheimer & Co |
Good morning, and welcome to Bread Financial's Second Quarter Earnings Conference Call. My name is Amber, and I will be coordinating your call today. At this time, all participants placed in a listen-only mode. [Operator Instructions] It is now my pleasure to introduce Mr. Brian Vereb, Head of Investor Relations at Bread Financial.