Eric Wasserstrom | Head of Investor Relations |
Roger Hochschild | CEO |
John Greene | Chief Financial Officer |
Moshe Orenbuch | Credit Suisse |
Mark DeVries | Barclays |
John Hecht | Jefferies |
Richard Shane | JPMorgan |
Sanjay Sakhrani | Keefe, Bruyette, & Woods |
Betsy Graseck | Morgan Stanley |
Kevin Barker | Piper Sandler |
Don Fandetti | Wells Fargo |
Dominick Gabriele | Oppenheimer |
Robert Napoli | William Blair |
Mihir Bhatia | Bank of America |
Bill Carcache | Wolfe Research |
Mengxian Jiao | Deutsche Bank |
William Ryan | Seaport Research Partners |
Good morning. My name is Britney, and I'll be your conference operator today. At this time, I would like to welcome everyone to the Fourth Quarter and Full Year 2021 Discover Financial Services Earnings Conference Call. All lines have been placed on mute to prevent any background noise. After the speakers’ remarks, there will be a question-and-answer session.