Brian Vereb | Head, IR |
Ralph Andretta | CEO, President & Director |
Perry Beberman | EVP & CFO |
Sanjay Sakhrani | KBW |
Robert Napoli | William Blair & Company |
Mihir Bhatia | Bank of America Merrill Lynch |
Bill Carcache | Wolfe Research |
Jeffrey Adelson | Morgan Stanley |
John Pancari | Evercore ISI |
David Scharf | JMP Securities |
Reginald Smith | JPMorgan Chase & Co. |
Good morning, and welcome to Bread Financial's Third Quarter Earnings Conference Call. My name is Drew, and I'll be coordinating your call today. [Operator Instructions]. It's now my pleasure to introduce Mr. Brian Vereb, Head of Investor Relations at Bread Financial.