Craig Streem | Head-Investor Relations |
Roger Hochschild | Director, Chief Executive Officer and President |
John Greene | Chief Financial Officer |
Sanjay Sakhrani | KBW |
Rick Shane | JP Morgan |
Don Fandetti | Wells Fargo |
Bill Carcache | Wolfe Research |
Ryan Nash | Goldman Sachs |
Moshe Orenbuch | Credit Suisse |
Kevin Barker | Piper Sandler |
Robert Napoli | William Blair |
Mihir Bhatia | Bank of America |
Betsy Graseck | Morgan Stan |
Meng Jiao | Deutsche Bank |
Mark DeVries | Barclays |
Dominick Gabriele | Oppenheimer |
Bill Carcache | Wolfe Research |
Good morning and my name is Maria.And I will be your conference operator today. At this time, I would like to welcome everyone to the Third Quarter 2020 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. [Operator Instructions].