Synchrony Financial at Sanford C Bernstein Strategic Decisions Conference Transcript
Good morning, everyone. And thanks for joining us. This is Brian Foran from Autonomous. I cover the regional banks and credit card stocks. Delighted to have Synchrony here with us for the 9 a.m. slot. Both Margaret Keane, the CEO, and Brian Wenzel, the CFO, are joining us today.
We're going to structure the conversation in 3 parts: first, Margaret and Brian are going to go through some opening remarks; then I'll move to a little bit of Q&A; and the third part, we will take investor Q&A as well. Hopefully, everyone has been through the drill at this point, but if you're logged in via the conference website, you should see 2 links on the left-hand side of your screen. One of those links is going to be the Pigeonhole system, where you can enter a question or vote on a question. So if you see a question you like and you want to move it to the top of the stack, you can do that as well. The second link is going to be for a Procensus poll. This is where you can answer a couple of questions on the stock and key issues to
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