 Synchrony Financial NYSE:SYF Q2 2022 Results Conference Call July 18, 2022 8:00 AM ET Company Participants Kathryn Miller - Senior Vice President, Investor Relations Brian Doubles - President and Chief Executive Officer Brian Wenzel - Executive Vice President and Chief Financial Officer Conference Call Participants Ryan Nash - Goldman Sachs Moshe Orenbuch - Credit Suisse Betsy Graseck - Morgan Stanley John Pancari - Evercore ISI Sanjay Sakhrani - KBW Mihir Bhatia - Bank of America Brian Foran - Autonomous Research Kevin Barker - Piper Sandler Mark DeVries - Barclays Operator Welcome to the Synchrony Financial Second Quarter 2022 Earnings Conference Call. My name is Vanessa, and I will be your operator for todays call. 