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Operator Welcome to the Synchrony Financial First Quarter 2021 Earnings Conference Call. My name is Vanessa, and I will be your operator for today s call. [Operator Instructions] I will now turn the call over to Jennifer Church, Vice President of Investor Relations. You may begin. Jennifer Church Vice President of Investor Relations Thank you, and good morning, everyone. Welcome to our quarterly earnings conference call. In addition to today s press release, we have provided a presentation that covers the topics we plan to address during our call. The press release, detailed financial schedules, and presentation are available on our website, synchronyfinancial.com. This information can be accessed by going to the Investor Relations section of the website.

United statesBrianj wenzelMoshe orenbuchAshley homestoreSanjay sakhraniBrian wenzelSuisse analsytSanjay sakhrani keefe bruyette woods incCredit suisseJennifer church viceJennifer churchSynchrony financialSynchrony financial first quarterVice presidentInvestor relationsBrian doubles