Kathryn Miller | SVP, IR |
Brian Doubles | President and CEO |
Brian Wenzel | Senior Executive VP and CFO |
Sanjay Sakhrani | KBW |
John Hecht | Jefferies |
Don Fandetti | Wells Fargo |
Betsy Graseck | Morgan Stanley |
Rick Shane | JPMorgan |
Moshe Orenbuch | Credit Suisse |
Mark Devries | Barclays |
Dominick Gabriele | Oppenheimer |
Bill Carcache | Wolfe Research |
Welcome to the Synchrony Financial Second quarter 2021 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 been recorded. I will now turn the call over to Kathryn Miller, Senior Vice President of Investor Relations, you may begin.