Q4 2021 Discover Financial Services Earnings Call Transcript
Good morning. My name is Britney, and I will be your conference operator today. At this time, I would like to welcome everyone to the Fourth Quarter and Full Year 2021 Discover Financial Services Earnings Conference Call. (Operator Instructions).
I would now like to turn the call over to Mr. Eric Wasserstrom, Head of Investor Relations. Please go ahead.
Thank you, Britney, and good morning, everyone. Welcome to this morning's call. I'll begin on Slide 2 of our earnings -- as defined 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 our fourth quarter 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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