Gregory Ketron | SVP & MD, IR |
Margaret Keane | CEO & Director |
Brian Wenzel | EVP & CFO |
Brian Doubles | President |
Ryan Cary | Bank of America Merrill Lynch |
Moshe Orenbuch | Crédit Suisse |
Sanjay Sakhrani | KBW |
Donald Fandetti | Wells Fargo Securities |
Ryan Nash | Goldman Sachs Group |
Betsy Graseck | Morgan Stanley |
Richard Shane | JPMorgan Chase & Co. |
Bill Carcache | Nomura Securities |
John Hecht | Jefferies |
Welcome to the Synchrony Financial Fourth Quarter 2019 Earnings Conference Call. My name is Vanessa, and I will be your operator for today's call. [Operator Instructions]. Please note that this conference is being recorded.
I will now turn the call over to Mr.