Brian Doubles | Chief Executive Officer |
Brian Wenzel | Chief Financial Officer |
Kathryn Miller | Investor Relations |
Betsy Graseck | Morgan Stanley |
John Hecht | Jefferies |
Rick Shane | JP Morgan |
Don Fandetti | Wells Fargo |
Sanjay Sakhrani | KBW |
Bill Carcache | Wolfe Research |
John Pancari | Evercore |
Mark Devries | Barclays |
Welcome to the Synchrony Financial Third Quarter 2021 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.