Greg Ketron | Director of Investor Relations |
Margaret Keane | President and Chief Executive Officer |
Brian Doubles | President |
Brian Wenzel | Chief Financial Officer |
Sanjay Sakhrani | KBW |
Bill Carcache | Nomura |
Don Fandetti | Wells Fargo |
Betsy Graseck | Morgan Stanley |
Bill Ryan | Compass Point |
Rick Shane | JPMorgan |
Matthew O'Neill | Autonomous Research |
Dominick Gabriele | Oppenheimer |
Eric Wasserstrom | UBS |
Moshe Orenbuch | Credit Suisse |
Welcome to the Synchrony Financial Third 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.