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Q4 2019 Discover Financial Services Earnings Call Transcript
Good afternoon. My name is Erica, and I will be your conference operator today. At this time, I would like to welcome everyone to the Fourth Quarter 2019 Discover Financial Services Earnings Conference Call. (Operator Instructions) I would now like to turn the call over to Mr. Craig Streem, Head of Investor Relations. Please go ahead.
Thank you, Erica. Welcome, everybody, to our call this afternoon. We will begin, as usual, on Slide 2 of the earnings presentation, which you can find in the Financials 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 the presentation. Our call today will include formal remarks from our CEO, Roger Hochschild, covering 2019 full year and fourth quarter highlights, and
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