Eric Wasserstrom | Head of IR |
Roger Hochschild | CEO |
John Greene | CFO |
Moshe Orenbuch | Credit Suisse |
Sanjay Sakhrani | KBW |
Rick Shane | JPMorgan |
Mark DeVries | Barclays |
Betsy Graseck | Morgan Stanley |
Bill Carcache | Wolfe Research |
Don Fandetti | Wells Fargo |
Kevin Barker | Piper Sandler |
Bob Napoli | William Blair |
John Hecht | Jefferies |
Mihir Bhatia | Bank of America |
Meng Jiao | Deutsche Bank |
Dominick Gabriele | Oppenheimer |
Good morning. My name is Maria, and I will be your conference operator today. At this time, I would like to welcome everyone to the Fourth Quarter and Fiscal Year 2020 Discover Financial Services Earnings Conference Call. [Operator Instructions] Thank you. I will now turn the call over to Mr.