Brian Vereb | executive |
Ralph Andretta | executive |
Perry Beberman | executive |
Mihir Bhatia | analyst |
Sanjay Sakhrani | analyst |
Moshe Orenbuch | analyst |
Bill Carcache | analyst |
Jeffrey Adelson | analyst |
Reginald Smith | analyst |
John Pancari | analyst |
Good morning, and welcome to Bread Financial First Quarter Earnings Conference Call. My name is Shannon, and I will be coordinating your call today. [Operator Instructions] It is now my pleasure to introduce Mr. Brian Vereb, Head of Investor Relations at Bread Financial.
Thank you.