Eric Wasserstrom | Head-Investor Relations |
Roger Hochschild | Chief Executive Officer |
John Greene | Chief Financial Officer |
Ryan Nash | Goldman Sachs |
Moshe Orenbuch | Credit Suisse |
Sanjay Sakhrani | KBW |
John Hecht | Jefferies |
John Pancari | Evercore |
Betsy Graseck | Morgan Stanley |
Robert Napoli | William Blair |
Don Fandetti | Wells Fargo |
Mihir Bhatia | Bank of America |
Rick Shane | JPMorgan |
Bill Carcache | Wolfe Research |
Kevin Barker | Piper Sandler |
Mark DeVries | Barclays |
Bill Ryan | Seaport Research Partners |
Dominick Gabriele | Oppenheimer |
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 Third Quarter 2022 Discover Financial Services Earnings Conference Call. All lines have been placed on mute to prevent any background noise. [Operator Instructions] I will now turn the call over to Mr.