 Bread Financial Holdings, Inc. NYSE:BFH Q1 2022 Earnings Conference Call April 28, 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 Jeffrey Adelson - Morgan Stanley, Research Division, Research Associate Robert Napoli - William Blair Company Bill Carcache - Wolfe Research David Scharf - JMP Securities Michael Young - Truist Securities Reginald Smith - JPMorgan Chase Co. Mengxian Jiao - Deutsche Bank Operator Good morning, and welcome to Bread Financials First Quarter 2022 Earnings Conference Call. My name is Victoria, and Ill be coordinating your call today. 