Brian Vereb | Head, IR |
Ralph Andretta | CEO, President & Director |
Perry Beberman | EVP & CFO |
Sanjay Sakhrani | KBW |
Jeffrey Adelson | Morgan Stanley, Research Division, Research Associate |
Robert Napoli | William Blair & Company |
Bill Carcache | Wolfe Research |
David Scharf | JMP Securities |
Michael Young | Truist Securities |
Reginald Smith | JPMorgan Chase & Co. |
Mengxian Jiao | Deutsche Bank |
Good morning, and welcome to Bread Financial's First Quarter 2022 Earnings Conference Call. My name is Victoria, and I'll be coordinating your call today. [Operator Instructions]. It is now my pleasure to introduce Mr. Brian Vereb, Head of Investor Relations and Bread Financial.