Greg Ketron | Director of Investor Relations |
Margaret Keane | President & Chief Executive Officer |
Brian Doubles | Executive Vice President & Chief Financial Officer |
Sanjay Sakhrani | KBW |
Terry Ma | Barclays |
Rick Shane | JPMorgan |
Chris Brendler | Buckingham |
Matthew O'Neill | Autonomous Research |
Dominick Gabriele | Oppenheimer |
David Scharf | JMP Securities |
John Hecht | Jefferies |
Welcome to the Synchrony Financial First Quarter 2019 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.