Eric Wasserstrom | Vice President, Head of Investor Relations |
Roger Hochschild | Chief Executive Officer |
John Greene | Chief Financial Officer |
John Pancari | Evercore ISI |
Sanjay Sakhrani | KBW |
Ryan Nash | Goldman Sachs |
Don Fandetti | Wells Fargo |
Bob Napoli | William Blair |
Mark DeVries | Barclays |
Manu Srivareerat | UBS |
Rick Shane | JPMorgan |
Bill Carcache | Wolfe Research |
Meng Jiao | Deutsche Bank |
Moshe Orenbuch | Credit Suisse |
Mihir Bhatia | Bank of America |
Betsy Graseck | Morgan Stanley |
Good afternoon. My name is Stephanie. And I will be your conference operator today. At this time, I would like to welcome everyone to the Second Quarter 2021 Discover Financial Services Earnings Conference Call. All lines have been placed on mute to prevent any background noise.