 Discover Financial Services NYSE:DFS Q3 2022 Earnings Conference Call October 25, 2022 9:00 AM ET Company Participants Eric Wasserstrom Head-Investor Relations Roger Hochschild Chief Executive Officer John Greene Chief Financial Officer Conference Call Participants Ryan Nash Goldman Sachs Moshe Orenbuch Credit Suisse Sanjay Sakhrani KBW John Hecht Jefferies John Pancari Evercore Betsy Graseck Morgan Stanley Robert Napoli William Blair Don Fandetti Wells Fargo Mihir Bhatia Bank of America Rick Shane JPMorgan Bill Carcache Wolfe Research Kevin Barker Piper Sandler Mark DeVries Barclays Bill Ryan Seaport Research Partners Dominick Gabriele Oppenheimer Operator Good morning. My name is Katie, and I will be your conference operator today. 