 Bread Financial Holdings, Inc. NYSE:BFH Q3 2022 Earnings Conference Call October 27, 2022 8:30 AM ET Company Participants Brian Vereb - Head, IR Ralph Andretta - CEO, President Director Perry Beberman - EVP CFO Conference Call Participants Sanjay Sakhrani - KBW Robert Napoli - William Blair Company Mihir Bhatia - Bank of America Merrill Lynch Bill Carcache - Wolfe Research Jeffrey Adelson - Morgan Stanley John Pancari - Evercore ISI David Scharf - JMP Securities Reginald Smith - JPMorgan Chase Co. Operator Good morning, and welcome to Bread Financials Third Quarter Earnings Conference Call. My name is Drew, and Ill be coordinating your call today. 