Eric Wasserstrom | executive |
John Owen | executive |
John Greene | executive |
Sanjay Sakhrani | analyst |
Bill Carcache | analyst |
Ryan Nash | analyst |
John Hecht | analyst |
Jeffrey Adelson | analyst |
Richard Shane | analyst |
Mihir Bhatia | analyst |
Robert Napoli | analyst |
Kevin Barker | analyst |
Nicholas Holowko | analyst |
Dominick Gabriele | analyst |
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 Third Quarter 2023 Discover Financial Services Earnings Conference Call. [Operator Instructions]
I will now turn the call over to Mr.