Greg Ketron | Director, IR |
Margaret Keane | President and CEO |
Brian Doubles | EVP and CFO |
Moshe Orenbuch | Credit Suisse |
Ryan Nash | Goldman Sachs |
Don Fandetti | Wells Fargo |
Bill Carcache | Nomura |
Betsy Graseck | Morgan Stanley |
Chris Brendler | Buckingham Research |
Sanjay Sakhrani | Keefe, Bruyette & Woods, Inc. |
Rick Shane | JPMorgan |
Mark DeVries | Barclays Capital |
John Hecht | Jefferies |
Welcome to the Synchrony Financial First Quarter 2018 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.