Kathryn Miller | SVP, IR |
Brian Doubles | President, CEO |
Brian Wenzel | EVP, CFO |
Moshe Orenbuch | Credit Suisse |
Ryan Nash | Goldman Sachs |
Betsy Graseck | Morgan Stanley |
Sanjay Sakhrani | KBW |
John Hecht | Jefferies |
Don Fandetti | Wells Fargo |
Mihir Bhatia | Bank of America |
Rich Shane | JPMorgan |
Kevin Barker | Piper Sandler |
Arren Cyganovich | Citi |
Brian Foran | Autonomous Research |
Good morning, and welcome to the Synchrony Financial First Quarter 2022 Earnings Conference Call. My name is Brandon, and I'll be your operator for today. [Operator Instructions]. Please note, this conference is being recorded. And I will now turn the call over to Kathryn Miller, Senior Vice President of Investor Relations, and you may begin.