Roger Hochschild | CEO |
John Greene | Chief Financial Officer |
Eric Wasserstrom | Head of Investor Relations |
John Pancari | Evercore ISI |
Ryan Nash | Goldman Sachs |
Don Fandetti | Wells Fargo |
Betsy Graseck | Morgan Stanley |
Bill Carcache | Wolfe Research |
Sanjay Sakhrani | KBW |
Mihir Bhatia | Bank of America |
Unidentified Analyst | Citi |
Mark De Vries | Barclays |
Moshe Orenbuch | Credit Suisse |
Dominick Gabriele | Oppenheimer |
Bill Ryan | Seaport Research |
Good afternoon. My name is Ashley and I will be your conference operator today. At this time, I would like to welcome everyone to the Third Quarter 2021 Discover Financial Services Earnings Conference Call. All lines have been placed on mute to prevent any background noise. After the speaker's remarks there will be a question-and-answer session.