Greg Ketron | Director, IR |
Margaret Keane | President and CEO |
Brian Doubles | EVP and CFO |
John Hecht | Jefferies |
Donald Fandetti | Wells Fargo |
Sanjay Sakhrani | KBW |
Bill Carcache | Nomura |
Rick Shane | JPMorgan |
Mark DeVries | Barclays |
Eric Wasserstrom | UBS |
Matthew O'Neill | Autonomous Research |
James Friedman | Susquehanna Financial |
Chris Brendler | Buckingham |
Dominic Gabriel | Oppenheimer |
Moshe Orenbuch | Credit Suisse |
Welcome to the Synchrony Financial Third Quarter 2018 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.