Eric Wasserstrom | Head of Investor Relations |
Roger Hochschild | Chief Executive Officer |
John Greene | Chief Financial Officer |
Sanjay Sakhrani | KBW |
Moshe Orenbuch | Credit Suisse |
Bob Napoli | William Blair |
Rick Shane | JPMorgan |
Jeff Adelson | Morgan Stanley |
Dominick Gabriele | Oppenheimer |
Mark DeVries | Barclays |
Good morning. My name is Chelsea, and I will be your conference operator today. At this time, I would like to welcome everyone to the First Quarter 2023 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.