 Discover Financial Services NYSE:DFS Q2 2022 Earnings Conference Call July 21, 2022 8:00 AM ET Company Participants Eric Wasserstrom - Head, Investor Relations Roger Hochschild - Chief Executive Officer John Greene - Chief Financial Officer Conference Call Participants Moshe Orenbuch - Credit Suisse Bill Carcache - Wolfe Research Sanjay Sakhrani - KBW Rick Shane - JPMorgan Ryan Nash - Goldman Sachs Mark DeVries - Barclays John Pancari - Evercore ISI Betsy Graseck - Morgan Stanley Meng Jiao - Deutsche Bank Kevin Barker - Piper Sandler Mihir Bhatia - Bank of America Dominick Gabriele - Oppenheimer Bob Napoli - William Blair Don Fandetti - Wells Fargo Arren Cyganovich - Citi Operator Good morning. My name is Katie and I will be your conference operator today. 