Kathryn Miller | SVP, Director IR |
Margaret Keane | Chief Executive Officer |
Brian Doubles | President |
Brian Wenzel | Executive Vice President & Chief Financial Officer |
Ryan Nash | Goldman Sachs |
Sanjay Sakhrani | KBW |
Moshe Orenbuch | Credit Suisse |
Mihir Bhatia | Bank of America |
Don Fandetti | Wells Fargo |
Betsy Graseck | Morgan Stanley |
Bill Carcache | Wolfe Research |
John Hecht | Jefferies |
Welcome to the Synchrony Financial Fourth Quarter 2020 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.