Kathryn Miller | SVP of IR |
Brian Doubles | President and CEO |
Brian Wenzel | EVP and CFO |
Arren Cyganovich | Citi |
Don Fandetti | Wells Fargo |
Mihir Bhatia | Bank of America |
Ryan Nash | Goldman Sachs |
Kevin Barker | Piper Sandler |
Rick Shane | JPMorgan |
Sanjay Sakhrani | KBW |
John Pancari | Evercore ISI |
Jeff Allison | Morgan Stanley |
John Hecht | Jefferies |
Dominick Gabriele | Oppenheimer |
Good morning, and welcome to the Synchrony Financial Second Quarter 2023 Earnings Conference Call. Please refer to the company's Investor Relations website for access to their earnings materials. Please be advised that today's conference call is being recorded. Currently, all callers have been placed in a listen-only mode. The call will be opened up for your questions following the conclusion of the management's prepared remarks.