Greg Ketron | Director, IR |
Margaret Keane | CEO |
Brian Wenzel | EVP & CFO |
Brian Doubles | President |
John Hecht | Jefferies |
Moshe Orenbuch | Crédit Suisse |
Don Fandetti | Wells Fargo |
Ryan Cary | Bank of America |
Betsy Graseck | Morgan Stanley |
David Scharf | JMP Securities |
Vincent Caintic | Stephens |
Dominick Gabriele | Oppenheimer |
Sanjay Sakhrani | KBW |
Welcome to the Synchrony Financial First Quarter 2020 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.