Greg Ketron | Director, Investor Relations |
Margaret Keane | Chief Executive Officer |
Brian Doubles | President |
Brian Wenzel | Executive Vice President & Chief Financial Officer |
John Hecht | Jefferies |
Moshe Orenbuch | Credit Suisse |
Mihir Bhatia | Bank of America |
Rick Shane | JPMorgan |
Betsy Graseck | Morgan Stanley |
Bill Carcache | Wolfe Research |
Vincent Caintic | Stephens |
Sanjay Sakhrani | KBW |
Good morning and welcome to the Synchrony Financial Third Quarter 2020 Earnings Conference. 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 this conference is being recorded.