Brian Vereb | Head of Investor Relations |
Ralph Andretta | President and Chief Executive Officer |
Perry Beberman | Executive Vice President and Chief Financial Officer |
Sanjay Sakhrani | KBW |
Robert Napoli | William Blair |
Moshe Orenbuch | Credit Suisse |
Vincent Caintic | Stephens |
Jeff Adelson | Morgan Stanley |
Bill Carache | Wolfe Research |
Mihir Bhatia | Bank of America Merrill Lynch |
David Scharf | JMP |
Dominick Gabriele | Oppenheimer |
John Hecht | Jefferies |
Regi Smith | JPMorgan Chase |
Good morning, and welcome to Bread Financials’ Fourth Quarter Earnings Conference Call My name is Charlie, 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. The floor is yours.