|Greg Ketron||Director of Investor Relations|
|Margaret Keane||President & Chief Executive Officer|
|Brian Doubles||Executive Vice President & Chief Financial Officer|
|Moshe Orenbuch||Credit Suisse|
|Don Fandetti||Wells Fargo|
|Betsy Graseck||Morgan Stanley|
|Matthew O'Neill||Autonomous Research|
Welcome to the Synchrony Financial Fourth 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.