Bread Financial Holdings, Inc.

Good morning, and welcome to BRID Financial's third quarter 2024 earnings conference call. My name is Michelle, and I'll be coordinating your call today. At this time, all parties have been placed on listen-only mode. Following today's presentation, the floor will be open for your questions. To register a question, please press star followed by 1-1. It is now my pleasure to introduce Mr. Brian Barrett, head of investor relations at BRID Financial. The floor is yours.

Thank you.

Copies of the slides we'll be reviewing and the earnings release can be found in the investor relations section of our website at breadfinancial.com. On the call today, we have Ralph Andretta, President and Chief Executive Officer, and Perry Beaverman, Executive Vice President and Chief Financial Officer. Before we begin, I would like to remind you that some of the comments made on today's call and some of the responses to your questions may contain forward-looking statements. These statements are based on management's current expectations and assumptions and are subject to the risks and uncertainties described in the company's earnings release and other filings with the SEC. Also on today's call, our speakers will reference certain non-GAAP financial measures, which we believe will provide useful information for investors. Reconciliation of those measures to GAAP are included in our quarterly earnings materials posted on our investor relations website. With that, I would like to turn the call over to Ralph Vendretta.