Greg Ketron | Director, IR |
Margaret Keane | Chief Executive Officer |
Brian Wenzel | EVP & Chief Financial Officer |
Brian Doubles | President |
Sanjay Sakhrani | KBW |
Moshe Orenbuch | Crédit Suisse |
John Hecht | Jefferies |
Betsy Graseck | Morgan Stanley |
Don Fandetti | Wells Fargo |
Rich Shane | JPMorgan |
Mihir Bhatia | Bank of America |
Good morning, and welcome to the Synchrony Financial Second Quarter 2020 Earnings Conference. My name is Brandon and I will 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. [Operator Instructions] Please note this conference is being recorded.