Greg Ketron | Director of Investor Relations |
Margaret Keane | President and Chief Executive Officer |
Brian Doubles | President |
Brian Wenzel | Chief Financial Officer |
Moshe Orenbuch | Credit Suisse |
John Hecht | Jefferies |
Rick Shane | JPMorgan |
Ryan Nash | Goldman Sachs |
Bill Carcache | Nomura |
Don Fandetti | Wells Fargo |
Betsy Graseck | Morgan Stanley |
Kevin St. Pierre | KSP Research |
Sanjay Sakhrani | KBW |
Good morning and welcome to the Synchrony Financial Second Quarter 2019 Earnings Conference Call. My name is Brandon and I'll be your operator for today. 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.