 Bread Financial Holdings, Inc. NYSE:BFH Q2 2022 Results Conference Call July 28, 2022 8:30 AM ET Company Participants Brian Vereb - Head, IR Ralph Andretta - CEO, President Director Perry Beberman - EVP CFO Conference Call Participants Robert Napoli - William Blair Sanjay Sakhrani - KBW Bill Carcache - Wolfe Research Jeff Adelson - Morgan Stanley Mihir Bhatia - Bank of America Reggie Smith - JPMorgan John Pancari - Evercore Dominick Gabriele - Oppenheimer Co Operator Good morning, and welcome to Bread Financials Second Quarter Earnings Conference Call. My name is Amber, and I will be coordinating your call today. 