Brian Vereb | executive |
Ralph Andretta | executive |
Perry Beberman | executive |
Vincent Caintic | analyst |
Mihir Bhatia | analyst |
Sanjay Sakhrani | analyst |
Moshe Orenbuch | analyst |
Jeffrey Adelson | analyst |
Reginald Smith | analyst |
Bill Carcache | analyst |
Dominick Gabriele | analyst |
John Pancari | analyst |
John Hecht | analyst |
Good morning, and welcome to Bread Financial's Fourth Quarter Earnings Conference Call. My name is Emily, 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 Bread Financial.