 Discover Financial Services NYSE:DFS Q4 2022 Results Conference Call January 19, 2023 8:00 AM ET Company Participants Eric Wasserstrom - Head of Investor Relations Roger Hochschild - Chief Executive Officer John Greene - Chief Financial Officer Conference Call Participants Moshe Orenbuch - Credit Suisse Sanjay Sakhrani - KBW John Hecht - Jefferies Mark DeVries - Barclays Betsy Graseck - Morgan Stanley Rick Shane - JPMorgan Bob Napoli - William Blair John Pancari - Evercore ISI Bill Carcache - Wolfe Research Mihir Bhatia - Bank of America Kevin Barker - Piper Sandler Don Fandetti - Wells Fargo Arren Cyganovich - Citi Operator Good morning. My name is Todd, and I will be your conference operator today. 