 Synchrony Financial NYSE:SYF Q3 2022 Earnings Conference Call October 25, 2022 8:00 AM ET Company Participants Kathryn Miller - SVP, IR Brian Doubles - President, CEO Director Brian Wenzel - EVP CFO Conference Call Participants Ryan Nash - Goldman Sachs Group Moshe Orenbuch - Crédit Suisse Mihir Bhatia - Bank of America Merrill Lynch Sanjay Sakhrani - KBW Kevin Barker - Piper Sandler Co. Betsy Graseck - Morgan Stanley Richard Shane - JPMorgan Chase Co. John Hecht - Jefferies Operator Welcome to the Synchrony Financial Third Quarter 2022 Earnings Conference Call. My name is Vanessa, and I will be your operator for todays call. 