Brian Vereb | executive |
Ralph Andretta | executive |
Perry Beberman | executive |
Sanjay Sakhrani | analyst |
Robert Napoli | analyst |
Mihir Bhatia | analyst |
Jeffrey Adelson | analyst |
David Scharf | analyst |
Bill Carcache | analyst |
Dominick Gabriele | analyst |
Reginald Smith | analyst |
Good morning, and welcome to Bread Financial's Third Quarter Earnings Conference Call. My name is Bruno, and I'll be coordinating your call today. [Operator Instructions] It is now my pleasure to introduce Mr. Brian Vereb, Head of Investor Relations at Bright Financial. The floor is yours.