 Synchrony Financial NYSE:SYF Q1 2022 Results Conference Call April 18, 2022 8:00 AM ET Company Participants Kathryn Miller - SVP, IR Brian Doubles - President, CEO Brian Wenzel - EVP, CFO Conference Call Participants Moshe Orenbuch - Credit Suisse Ryan Nash - Goldman Sachs Betsy Graseck - Morgan Stanley Sanjay Sakhrani - KBW John Hecht Jefferies Don Fandetti - Wells Fargo Mihir Bhatia - Bank of America Rich Shane - JPMorgan Kevin Barker - Piper Sandler Arren Cyganovich - Citi Brian Foran - Autonomous Research Operator Good morning, and welcome to the Synchrony Financial First Quarter 2022 Earnings Conference Call. My name is Brandon, and Ill be your operator for today. 