Eric Wasserstrom | Head, Investor Relations |
Roger Hochschild | Chief Executive Officer |
John Greene | Chief Financial Officer |
Moshe Orenbuch | Credit Suisse |
Bill Carcache | Wolfe Research |
Sanjay Sakhrani | KBW |
Rick Shane | JPMorgan |
Ryan Nash | Goldman Sachs |
Mark DeVries | Barclays |
John Pancari | Evercore ISI |
Betsy Graseck | Morgan Stanley |
Meng Jiao | Deutsche Bank |
Kevin Barker | Piper Sandler |
Mihir Bhatia | Bank of America |
Dominick Gabriele | Oppenheimer |
Bob Napoli | William Blair |
Don Fandetti | Wells Fargo |
Good morning. My name is Katie and I will be your conference operator today. At this time, I would like to welcome everyone to the second quarter 2022 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.