 Synchrony Financial NYSE:SYF Q4 2022 Earnings Conference Call January 23, 2022 8:00 AM ET Company Participants Kathryn Miller - SVP, IR Brian Doubles - President, CEO Director Brian Wenzel - EVP CFO Conference Call Participants Moshe Orenbuch - Credit Suisse Ryan Nash - Goldman Sachs Donald Fandetti - Wells Fargo Sanjay Sakhrani - KBW Erika Najarian - UBS Arren Cyganovich - Citigroup Betsy Graseck - Morgan Stanley Kevin Barker - Piper Sandler John Hecht - Jefferies Richard Shane - JPMorgan Operator Good morning, and welcome to the Synchrony Financial Fourth Quarter 2022 Earnings Conference Call. Please refer to the companys Investor Relations website for access to their earnings materials. 