Eric Wasserstrom | Head of Investor Relations |
Roger Hochschild | Chief Executive Officer |
John Greene | Chief Financial Officer |
Moshe Orenbuch | Credit Suisse |
Sanjay Sakhrani | KBW |
John Hecht | Jefferies |
Mark DeVries | Barclays |
Betsy Graseck | Morgan Stanley |
Rick Shane | JPMorgan |
Bob Napoli | William Blair |
John Pancari | Evercore ISI |
Bill Carcache | Wolfe Research |
Mihir Bhatia | Bank of America |
Kevin Barker | Piper Sandler |
Don Fandetti | Wells Fargo |
Arren Cyganovich | Citi |
Good morning. My name is Todd, and I will be your conference operator today. At this time, I would like to welcome everyone to the Fourth Quarter and Full Year 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.