Craig Streem | Head-Investor Relations |
Roger Hochschild | Director, Chief Executive Officer and President |
John Greene | Chief Financial Officer |
Sanjay Sakhrani | KBW |
Bob Napoli | William Blair |
Don Fandetti | Wells Fargo |
Moshe Orenbuch | Credit Suisse |
Betsy Graseck | Morgan Stanley |
Mark DeVries | Barclays |
Meng Jiao | Deutsche Bank |
Kevin Barker | Piper Sandler |
Good morning and my name is Cristal. I will be your conference operator today. At this time, I would like to welcome everyone to the Second Quarter 2020 Discover Financial Services Earnings Conference Call. [Operator Instructions] Thank you. I will now like to turn the call over to Mr.