Craig Streem | Head-Investor Relations |
Roger Hochschild | Chief Executive Officer |
John Greene | Executive Vice President, Chief Financial Officer |
Mark DeVries | Barclays |
Betsy Graseck | Morgan Stanley |
Don Fandetti | Wells Fargo |
Sanjay Sakhrani | KBW |
Eric Wasserstrom | UBS |
Ryan Nash | Goldman Sachs |
David Scharf | JMP Securities |
Rick Shane | JPMorgan |
Bill Carcache | Nomura Instinet |
Bob Napoli | William Blair |
Chris Donat | Sandler O'Neill |
John Hecht | Jefferies |
Meng Jiao | Deutsche Bank |
Brian Foran | Autonomous |
Jon Arfstrom | RBC Capital Markets |
Good afternoon. My name is Erica, and I will be your conference operator today. At this time, I would like to welcome everyone to the Third Quarter 2019 Discover Financial Services Earnings Conference Call. All lines have been placed on mute to prevent any background noise. After the speakers' remarks, there will be a question-and-answer session.