Greg Ketron | Director, Investor Relations |
Margaret Keane | President and Chief Executive Officer |
Brian Doubles | Executive Vice President and Chief Financial Officer |
Sanjay Sakhrani | Keefe, Bruyette & Woods, Inc. |
John Hecht | Jefferies |
Moshe Orenbuch | Credit Suisse |
Bill Carcache | Nomura |
Ryan Nash | Goldman Sachs |
Mark DeVries | Barclays Capital |
Rick Shane | JPMorgan |
Betsy Graseck | Morgan Stanley |
Ashish Sabadra | Deutsche Bank |
Welcome to the Synchrony Financial Fourth Quarter 2017 Earnings Conference Call. My name is Vanessa, and I will be your operator for today’s call. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session. Please note that this conference is being recorded.