 Discover Financial Services NYSE:DFS Q1 2022 Earnings Conference Call April 28, 2022 8:00 AM ET Company Participants Eric Wasserstrom - Head of IR Roger Hochschild - CEO John Greene - CFO Conference Call Participants Bill Carcache - Wolfe Research Sanjay Sakhrani - KBW Moshe Orenbuch - Credit Suisse Betsy Graseck - Morgan Stanley John Pancari - Evercore ISI Ryan Nash - Goldman Sachs Mark DeVries - Barclays Kevin Barker - Piper Sandler Don Fandetti - Wells Fargo Rick Shane - JPMorgan Robert Napoli - William Blair Mihir Bhatia - Bank of America Merrill Lynch John Hecht - Jefferies Meng Jiao - Deutsche Bank Operator Good morning. My name is Ashley, and Ill be your conference operator today. 