Greg Ketron | Director, Investor Relations |
Margaret Keane | President and CEO |
Brian Doubles | Executive Vice President and CFO |
Bill Carcache | Nomura |
Rick Shane | JPMorgan |
Mark DeVries | Barclays |
Don Fandetti | Wells Fargo |
Ryan Nash | Goldman Sachs |
Betsy Graseck | Morgan Stanley |
Sanjay Sakhrani | KBW |
Moshe Orenbuch | Credit Suisse |
John Hecht | Jefferies |
Welcome to the Synchrony Financial Third Quarter 2017 Earnings Conference Call. My name is Vanessa, and I will be your operator for today’s call. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session. Please note that this conference is being recorded.