Eric Wasserstrom | executive |
John Owen | executive |
John Greene | executive |
Richard Shane | analyst |
Moshe Orenbuch | analyst |
Ryan Nash | analyst |
Mihir Bhatia | analyst |
Sanjay Sakhrani | analyst |
Bill Carcache | analyst |
John Pancari | analyst |
Donald Fandetti | analyst |
Jeffrey Adelson | analyst |
Terry Ma | analyst |
John Hecht | analyst |
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 2023 Discover Financial Services Earnings Conference Call. [Operator Instructions] I will now turn the call over to Mr. Eric Wasserstrom, Senior Vice President of Corporate Strategy and Investor Relations. Please go ahead.