Brian Vereb | Head of Investor Relations |
Ralph Andretta | President & Chief Executive Officer |
Perry Beberman | Executive Vice President & Chief Financial Officer |
Sanjay Sakhrani | KBW |
Robert Napoli | William Blair |
Mihir Bhatia | Bank of America Merrill Lynch |
Jeff Adelson | Morgan Stanley |
Bill Carcache | Wolfe Research |
Dominick Gabriele | Oppenheimer |
Reggie Smith | JPMorgan |
David Scharf | JMP |
Alexander Villalobos | Jefferies |
John Pancari | Evercore ISI |
Good morning, and welcome to Bread Financial's Second Quarter Earnings Conference Call. My name is Emily, and I'll be coordinating your call today. At this time, all parties have been placed on a listen-only mode.
Following today’s presentation, the floor will be open for questions. [Operator Instructions]