Brian Vereb | executive |
Ralph Andretta | executive |
Perry Beberman | executive |
Mihir Bhatia | analyst |
Jeffrey Adelson | analyst |
Sanjay Sakhrani | analyst |
Moshe Orenbuch | analyst |
Bill Carcache | analyst |
Vincent Caintic | analyst |
John Pancari | analyst |
Terry Ma | analyst |
Reginald Smith | analyst |
Good morning, and welcome to Bread Financial's Second Quarter 2024 Earnings Conference Call. My name is Towanda, 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. Sir, the floor is yours.