Q3 2020 Discover Financial Services Earnings Call Transcript
Good morning. Good afternoon. My name is Maria, and I will be your conference operator today. At this time, I would like to welcome everyone to the Third Quarter 2020 Discover Financial Services Earnings Conference Call. (Operator Instructions)
Thank you. I will now turn the call over to Mr. Craig Streem, Head of Investor Relations. Please go ahead.
Thank you, Maria, and good morning, everybody. Welcome to today's call. We will begin this morning on Slide 2 of our earnings presentation, which you can find in the financial section of our Investor Relations website, investorrelations.discover.com.
Our discussion today contains certain forward-looking statements that are subject to risks and uncertainties that may cause actual results to differ materially. Please refer to our notices regarding forward-looking statements that appear in today's earnings press release and presentation.
Our call today will include remarks from our CEO, Roger Hochschild; and John Greene, our Chief
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